davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Before my identity was stolen because of the data breach because of XXXX, the credit reporting agency. My credit was XXXX. When my identity was stolen it went all the way down to XXXX. After working tirelessly on this by myself although I was supposed to be getting help from the identity restoration specialist I have a question. When does this end when am I going to be protected by the laws that govern the state of California? When I turn in police reports when I turn in all of the stuff I have been told to why isn't that good enough? Because of this nightmare I have been denied my social security XXXX claim and this is your fault because I could not do my taxes because someone else was turning in taxes in my name and now social Security is treating me poorly. And do you think that you can get anybody on the phone at your company nope. The most important grievance that I have and that I need to have rectified is, how come I get to work up to a measly XXXX points when I was at XXXX prior to the theft why can't I have my credit score back you are the ones who got it stolen and y whole life had been ruined because of you. I did my part to show you what happened and I made my charges against the person who stole it how come you're not helping me now ever you've never helped me I want my credit score back it's your fault that it's like this I think that you need to give it back to me and wipe all the stuff off the credit report that I have because I have proven that it is not mine.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

Received an email stating I applied for a credit card with Chase bank. I do not bank with them. I attempted to contact Chase bank and was asked for my ssn. I contacted who I do bank with and was told it may just be a phish and only worry if a new charge shows up Im unaware of. I still am concerned and the capital one fraud check list led me to here.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On or about XX/XX/ I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct # XXXX. This isn't the first or 2nd time, Citizens Bank keeps reporting improper on my consumer report
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TN)

On XX/XX/, I waited on hold for 77mins to speak with a customer service representative from Mohela . I had concerns regarding the status of my XXXX application as well as questions regarding bill correspondence I received on 2 separate occasions. First bill from Mohela dated XX/XX/, stated my bill would be {$98.00}, due on XX/XX/. The second bill from Mohela dated XXXX. Stated my bill would be {$190.00}, due on XXXX 
When I finally spoke with the Mohela representative, he did not have a explanation for the discrepancies with the two bills, nor did he have information regarding a realistic timeline as to when my XXXX application and payment counts will be concluded. 
I feel like Mohela is purposely misleading consumers on the time it takes to count payments towards loan forgiveness. And that they discourage consumer concerns by have ridiculously long wait times to speak with a live representative.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (VA)

I applied for an American Express credit card on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXX XXXX attorney in fact For ; XXXX XXXX
Consumer complaint received 2023-05-02
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. (MD)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX BalanceOwed : {$0.00}, XXXX  XXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX  XXXX Balance Owed : {$410.00}, XXXX XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit Cards Credit Card Opened by Thief Company or Organization : XXXX XXXX  Date Fraud Begin : XX/XX/XXXX Total Fraudulent Amount : {$1000.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (NY)

I am formally complaining against SPRING OAKS CAPITAL LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SPRING OAKS CAPITAL LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SPRING OAKS CAPITAL LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

I attempted to rent to own a cello from XXXX XXXX XXXX at a function for my daughters school. When we arrived only 1 staff for atleast XXXX parents n kids. Salesperson never filled out paperwork just asked me to sign it as he would have to call the store for cello terms as not many kids select the cello, and he would get back to me with it so we could agree to proceed. Maybe he was busy i dont know but he never did and soon he told us the function was closing we had to leave and he would call us as he was still swamped. He never called, he never brought her music book for learning and multiple times we were double and triple charged.I did contact store, they said Id have to drive 45 mins one way to get her book, I said no as everyone else was given theirs with the instrument. My daughter never got taught, nor learned to play due to this. Also, they sold the debt to Kinum ( debt collection agency ) even though I had also informed XXXX XXXX XXXX that the rent to own agreement was void as the salesperson never completed, a price, cash price, payment due date or term. Under State and Federal law any finance agreement or rental agreement must have these outlined and with the contract being left blank and never filled in, the debt and contract are void under law and invalid for collection of any kind. I also, informed Kinum of this, both parties stated they dont care and resort to blaming each other in order to have this debt removed as its invalid. I have suffered damages by both parties since XXXX. As neither will remove this debt d4espite knowing its unlawful.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Before my identity was stolen because of the data breach because of Equifax, the credit reporting agency. My credit was XXXX. When my identity was stolen it went all the way down to XXXX. After working tirelessly on this by myself although I was supposed to be getting help from the identity restoration specialist I have a question. When does this end when am I going to be protected by the laws that govern the state of California? When I turn in police reports when I turn in all of the stuff I have been told to why isn't that good enough? Because of this nightmare I have been denied my social security XXXX claim and this is your fault because I could not do my taxes because someone else was turning in taxes in my name and now social Security is treating me poorly. And do you think that you can get anybody on the phone at your company nope. The most important grievance that I have and that I need to have rectified is, how come I get to work up to a measly XXXX points when I was at XXXX prior to the theft why can't I have my credit score back you are the ones who got it stolen and y whole life had been ruined because of you. I did my part to show you what happened and I made my charges against the person who stole it how come you're not helping me now ever you've never helped me I want my credit score back it's your fault that it's like this I think that you need to give it back to me and wipe all the stuff off the credit report that I have because I have proven that it is not mine.
Consumer complaint received 2023-11-03
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. (TX)

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 accounts ( 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 deletion due to inaccurate reporting in my file. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I reached out to XXXX to correct inaccurate personal information on my credit report. There is an address listed XXXX XXXX XXXX, XXXX XXXX CA XXXX. I asked for this to be removed, but the rep ( XXXX XXXX stated that it can not be removed, because the address is listed by a creditor. When I asked the name of the creditor, he stated American Express. I haven't conducted, nor ever received a statement, or any other business with American Express from that address. Also, American Express has the credit account as a charge-off, but they never sent me a XXXX. American Express is also selling my information to debt collectors without consent ( please see attached letter ). I need American Express to have that inaccurate information deleted off my credit report immediately. American Express is utilizing unfair credit practices.
Consumer complaint received 2023-11-03
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. (CA)

An account from XXXXXXXX XXXX XXXXXXXX XXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from XXXX XXXX  . 

When I contacted the collection company, I was told the account was sold to : ACT Collections : This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXXXXXX XXXX on XXXX to see who holds the collection of this account. XXXX XXXX ( XXXX ) told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXX XXXX back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX Collections XXXX gave me their number and account number. 

On XXXX I called XXXX Collections and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX back in XXXX of XXXX. 

On XXXX I called XXXXXXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXX XXXX  sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXX XXXX back in XXXX. 

XXXXXXXX XXXX removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

According to studentaid.gov, the application I submitted recertifying my income for the XXXX repayment plan on XX/XX/XXXX, is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, XXXX XXXX, XXXX to studentaid.gov. I frankly do not see how this can be. XXXX processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. XXXX ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to MOHELA at that time. I called XXXX XXXX XXXX to inquire why my request from XXXX is supposedly in review. A representative informed me that only MOHELA can close the case. Yet, MOHELA told me that it can not access the request. I have since switched to the XXXX repayment plan. Documentation is attached. My XX/XX/XXXX, recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed on XX/XX/2024 A complaint regarding my credit to consumer protection, and the XXXX XXXX XXXX. Today makes 32 days and according to the federal fair credit act if disputed items are not proven to be mine within 30 days, they must be removed from my credit report. 

and makes and they need to be removed. 

According to the three credit bureaus, they are still working on my complaint, and they need more time. Thats fine but the federal law says they get 30 days and today is 32 days.! Those credit viewers remove these items from my credit report ASAP so we can be done within investigation thank you. 

Please advise. Thank you. Have a good day. 


Thanks XXXX
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (AZ)

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until 80 %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. I submitted a complaint via the CFPB website and the response of Specialized Loan Servicing was to just reiterate their policies and then the complaint was closed. They provided no additional solutions and were not helpful.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/XXXX is paid but is negatively affecting my account as well as open sky credit. 

XX/XX/XXXX is reporting false statements and balances. it is paid off as of today XX/XX/XXXX XXXXXX/XX/XXXX ned to report off. that account should not be on my report.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collection Service Inc (GA) (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United states ) that the foregoing is true and/or correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All in this matter is being investigated by the FTC.