davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these XXXX items. The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX and XXXX XXXX TX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My bussiness partner and me went to XXXX XXXX XXXX  and get the cashier check and deposit into my citibank account and the money was clear, and we went back to XXXX XXXX ask them to wire more money into my citibank checking account because we try to make a large withdraw from XXXX XXXX  and they dont have enough fun so i was thinking about them wire to my citibank account so i can make a large withdraw..after all the fund clear with proof of XXXX XXXX wire statement, and citibank didnt want to give me 30k withdraw and they close my account and not send me my remain ballance back since i need the money for investment please help me
Consumer complaint received 2024-01-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC (NE)

I asked for an appraisal theyre refusing to give me an appraisal, and I found paperwork and their rules and regulations that say Im allowed to get an appraisal to pay off my grandmas reverse mortgage
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017, I filed a dispute with TransUnion in regards to an account that was being reported negatively. I have been seeking validation on this account for over 2 years with no physical proof that this account has been verified. TransUnion simply stated " Verified as accurate '', yet I have not been provided with any such documents by TransUnion proving this to be true. TransUnion has continually failed to show actual proof of the original documents of a signed agreement that was used in the alleged opening date validating the account belongs to me.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

illegal hard inquiries and use of my Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Fraudulent charges were made to two Synchrony home cards from XXXX XXXX in XXXX, NY. Both cards originate from the Synchrony company and were used to make large purchases at the XXXX XXXX store over two months. Once I closed one card they then used another card to make further purchases. These two cards have never been out of my possession or used physically at any store location to make any purchases.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper experienced a data breach in late 2023. As a result, they suspended the ability to schedule payments. During this time, they had a notice that clearly stated that late payments would not incur penalties. 

Due to their website issues, the payment I scheduled was never drafted, and I had to schedule another payment. Despite Mr. Cooper 's promise, I was charged a late fee, and, worse, my otherwise-perfect credit history was tarnished with a late payment. This is causing me undue hardship as I am currently trying to apply for loans, and I have a very recent 30 day late which is making me appear less credit worthy. 

Mr. Cooper should honor their promise and fix my credit report. The late fee shouldn't have been charged either, but the credit report issue is causing me hardship. 

I have contacted Mr. Cooper about this directly and not received a response. I have disputed this late payment with XXXX and XXXX, but Mr. Cooper has verified the late payment as valid.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

First National Bank of Omaha today re-aged my original bankruptcy date from XX/XX/XXXXto XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Management Services, Inc. (TN)

XXXX is reporting inaccurated and false collections on my consumer report from American Management Service the original creditor is XXXX XXXX ( acct # XXXX ). I do not nor have I ever had a contract with this collection agency or the original creditor. I requested a copy of the original contract from both parties and neither was able to do so. I also did my research on American Management Service which is not only not authorized to collect a debt in the state of Tennessee but in any state. Proof is attached with this complaint.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MO)

I got a new credit card with XXXX XXXX XXXX, all is good, but when I went to register my card on the app to make payments, it had me set up an account. It DID NOT just open an account in order for me to view/manage/pay my account balance, it ran my credit AGAIN and added ANOTHER inquiry. I did not otherwise for them to run my credit twice.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (IL)

I wasnt aware, nor had I been notified by the finance company at any time that my last payment XX/XX/XXXX was a balloon payment. Upon attempting to make my payment through the app I learned the entire balance of {$1600.00} was due in full. The loan was paid in full XX/XX/XXXX. The company never sent me a letter notifying me of the ballon payment, nor that it was coming due. Illinois is a restricted balloon payment state. The finance company never notified me that a balloon payment would be due on XX/XX/XXXX. My contract does not specify anywhere that there is a balloon payment. 

I then reached out to the finance company on XX/XX/XXXX to notify them I was having an issue making my payment online and they informed me that the total balance of the loan was due. I asked for proof of notice or where I could find this balloon payment specified in my contract. I was told the most the company could do for me was give me an 15 day extension for the remaining balance which was 2 payments. I then made my regular payment of {$510.00}. The finance company never confirmed the 15 day extension in writing. 

I made the next payment by the XXXX day and asked again for an extension to pay the remaining balance of {$620.00} to pay the car loan off as I did not want late payments on my credit report. The finance company refused and is reporting 2 - 30 day late payments on XXXX for the months of XXXX and XX/XX/XXXX. One 30 day late for XXXX XXXX XX/XX/XXXX. XXXX 30 day late for XX/XX/XXXX.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (WI)

It is unclear when my student loan payment is due. Additionally, it is unclear when student loan interest begun. I was not notified of when interest begun accruing on my loans. I previously asked for information on the SAVE program because I was interested in learning more about how that program addresses accrued interest when compared to the PAYE program. However, MOHELA failed to timely respond to my question asked on XXXX until XXXX and XXXX ( see XXXX XXXX delivered by MOHELA on XXXX ) AFTER interest appears to have started. Furthermore, the loan payment date is XXXX and XXXX which is different than the next loan payment due date reflected on studentaid.gov which is XXXX. It appears to be a slimy business for a loan service provider to notify a borrower of SAVE payment plan only after payment have begun in a message dated XXXX when the inquiry was made in XX/XX/2023. I am concerned that I paid interest for a XXXX plan I would not otherwise have paid due to enrolling in SAVE program that could account for interest as forgiven amount which is my understanding I think. My loan balance documentation will show that on XXXX there was no indication that most of my loans would resume. However, on XXXX interest had already accrued without any notification by MOHELA. Additionally, I did not receive any information on the SAVE program in response to my XXXX inquiry until XXXX and XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may know any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have two loans managed by XXXX XXXX XXXX. During my divorce ( XX/XX/XXXX-XX/XX/XXXX ) I once was unable to maintain sufficient balance in my account to make my monthly payments ( XX/XX/XXXX). My loans were on autopay, and after three failed attempts to pay they cancelled my auto pay. I have since been able to make my payments, but XXXX XXXX XXXX refuses to allow me to resume auto pay for these loans. This results in late payments when I accidentally am not timely enough to recall to make these payments manually. 

I feel that their refusal to allow me to resume using autopay is a strategy to increase their fees and interest earned from loan holders whom they've identified as struggling to manage their debt burden.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company was requested to provide a full record of accounting per ( ucc 9-210 ). They have not provided any note or signature on anything that is original. I do not know who these companies are nor did i give any consent. This is fraudulent concealment.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> my wife and I reserved a car in XXXX through XXXX and XXXX XXXXXXXX as the vendor for the reservation. The total we were quoted was {$180.00} USD and {$31.00} was paid up front. Upon my wife 's arrival to XXXX, the vendor tried to convince my wife to add on additional packages. She declined and DID NOT sign anything agreeing to extra packages. We received a copy of the contract as proof of this. However, the vendor added the extra packages and forged my wife 's initials in the areas noting agreement for the added packages. I opened a dispute for the difference between what the vendor charged us and the {$140.00} we were supposed to pay upon pick-up. Chase has found every route possible to avoid finding the dispute in my favor. They first closed the dispute because I already received a credit ( this referred to the credit around gas since we returned the car with a full tank ). After a phone call, Chase acknowledged the mistake and re-opened the dispute. Another 2-3 closing and re-opening of the disputes and Chase has once again ignored the fraudulent activity of the vendor. I have provided numerous documents multiple times and Chase continues to close the dispute and re-open it. Chase needs to resolve this dispute in my favor because the facts of this are extremely obvious.