davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, Transunion, and XXXX to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-21
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

They called my phone almost everyday since XX/XX/XXXX. The employee 's name is XXXX, she leaves a message to return her call to her or one of her associates but never states the reason for her call. I finally returned the call today XX/XX/XXXX at XXXX. I get the automated service that asked questions to verify who I am and that I have an active mortgage account with Carrington Mortgage. 

After verifying I get a live person that I asked to speak to XXXX. This associate continued to ask more questions that did not pertain to my concern of continued calls from them. I politely stated my reason for calling, which was for them to stop calling me everyday because I'm current with my mortgage and I communicate with Carrington Mortgage via my online account. 
The associate said if you don't continue to answer her questions she wouldn't reveal why they were constantly calling me everyday and if I would hang up that they would continue to call me after I specifically ask them to stop calling me and communicate with me via mail or online.
Consumer complaint received 2023-06-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I went to the bank to open the account but after processing my information, the relationship banker is unable to open the account without giving me any information, they are only giving me the phone number to contact BOFA. I called this number with the option XXXX and the representative told me I have to go to the bank to open the account online which I have already done. I went back to the bank but the banker refused to help me.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I used XXXX points to buy a HomePod through " Chase XXXX XXXX Rewards Store, '' Order Number XXXX, on XX/XX/2023. Product was defective because it did not sync with a brand-new AppleTV, so a few days after I received it, I called customer service number XXXX to return it. A representative advised that a return shipping label would be sent to me within 7 days. 

Approx. 10 days later, I called back as I had not received a return shipping label. I was now advised that I needed a " Case ID '' from XXXX. So, I called XXXX and obtained same on a XXXX call with XXXX and Chase XXXX XXXX XXXX XXXX I was now told by Chase XXXX XXXX XXXX rep that a return shipping label would be sent within 7 days. 

Approx. 10 days later ( yesterday ), I called back as I had still not received a return shipping label. I was advised by a representative that she did not know why a return label had not been sent and she could not process XXXX, but that a representative that could process same would call me back by end of day. None called. I also asked this representative whether the business " Chase XXXX XXXX Rewards Store '' was a Chase company or an XXXX company so I could potentially send a letter to its Registered Agent, and she advised that it was an XXXX company. This appears to be untrue. 

Today, I called Chase XXXX XXXX Rewards Store again and was now advised by " XXXX '' XXXX XXXX that the XXXX " Case ID '' does not work, so I needed to call XXXX again and start the whole process over again, and that she could not send a return shipping label. XXXX XXXX also advised that Chase XXXX XXXX XXXX XXXX is a Chase company, not an XXXX company. So, I google 'd returns to Chase XXXX XXXX XXXX XXXX and discovered a whole XXXX XXXX of other people who experienced the same run-around when trying to return products to the Chase XXXX XXXX Rewards Store, and they ultimately gave up. 

https : XXXX? XXXX This abusive treatment of consumers should be stopped.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern : I have recently review of my consumer report and have identified numerous accounts with inaccuracies. Pursuant to Title 15 U.S.C. 1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. The consumer reporting agencies have assumed a vital responsibility to report consumer information to the best of their ability with maximum accuracy. Please delete these accounts. Thanks! Please see attachment proof of inaccuracies. 
XXXX. XXXX  XXXX XXXX delete this account for inaccuracies because the date last reported, date last active and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX XXXX XXXX XXXX the date last reported, date last active and historical data have different dates the consumer reporting agencies have different data remove this account immediately see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 

XXXX. XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


XXXX. XXXX XXXX Account number XXXX delete this account for inaccuracies because the date last reported, date last active, date open and historical data have different dates the consumer reporting agencies should not have different information see attachment for proof. 


Your prompt attention and resolution to this matter
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

In XX/XX/, I submitted a complaint to the CFPB about Moheal 's inability to answer basic questions about my student loans. ( XXXX ). I received an unexplained forbearance placed on my account in XX/XX/. XXXX did not notify me in any way, and they did not clarify if this forbearance would count towards my Public Service Loan Forgiveness ( PSLF ) credits. I messaged Moheala through their online portal and received no response. 

I decided to call Moheala and ask. In my complaint, I pointed out that Moheala provided me with terrible information from a brand-new employee who had no idea what she was doing ( no fault to her, as this is a training issue with Moheala ). The employee told me the SAVE program did not count for PSLF. However, she was wrong. She After several hours on the phone, I still never received my answer. I submitted my CFPB complaint, and two months later, I received an email response about my complaint. I logged in to see what Moheala would say, and to my surprise, there was no response. The file attached to my complaint was labeled " threat detected '' and " corrupt. '' There was no response. Of course, I don't agree with this bc there wasn't anything done, but CFPB closed my complaint. 

Fast forward to XX/XX/. A letter arrived from Mohela on XX/XX/XXXX. This letter, which took over two weeks to get to me, arrived, and guess what? 

The information Moheala mailed was utterly wrong. In the letter, Moheala writes that this was in response to my CFPB complaint ( that's right ). Moheala continues by saying that my complaint to CFPB was to REMOVE this forbearance because of my Borrower Defense to Repayment ( BDTR ) application. I have not filed a BDTR for these loans and do not have a BDTR on file. 

Further down the letter, Moheala notes my account was placed on forbearance because of BDTR and that they went ahead and notified the Dept of Education to remove this forbearance. 

My questions and complaints have always been about the SAVE program and PSLF. I never once mentioned BDTR. Moheala is incompetent. This organization is supposed to be one of the agencies that represent the DOE and collect millions of student loans. The company can not even address simple common questions with a mess up. People expect Moheala and the other student loan servicers to have their act together, but it's clear that this isn't the case. Moheala can not perform their duties to service the student loans, and it's an embarrassment. 

I still never received an answer from Moheala as to whether the forbearance will count for my PSLF. Thankfully, the Department of Education addressed this and has released it.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I found out both my business and personal accounts were closed on or around XX/XX/XXXX. They didnt inform me before and locked my online account, I called them and they said my accounts would be closed. My business account has balance more than {$12000.00}, and added my personal accounts have the moneybalance more than {$8000.00}. I called to chase 2 times a week until so far, they said they were reviewing my funds and their legal team were doing some review. And the rep said there was no time frame for the review, sometimes may take couple weeks or couple months. I didnt receive any letter for closing accounts and they give me no reasons. I have no money to run my business and my life! Could you please help me ask CHASE return my funds back? If you need any cooperation for my case, please let me know. Thank you!
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Holding Company, Inc. (IL)

I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CO)

Navy Federal Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX blatantly infringe upon federal regulations, as stipulated by multiple statutes. 

Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim.

Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims.

Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as discharged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

In addition to reporting us to the XXXX credit bureaus, refusing to help us by acknoweledging our hardship due to the unforseen circumstances regarding job loss and devastating illness, and erroneously stating that we are two months behind on our mortgage when in fact-we are one month behind -- -- Nationstar has added at least fifteen late payment fees to our account. Each fee is $ XXXX-which -as of today would total an extra {$1100.00} on top of what we currently owe. How does Nationstar think that we can afford to pay these exorbidant late fees when we are struggling to make our mortgage payments -- specifically the payment that is one month behind -- that Nationstar continuously adds the {$75.00} per month late charge to? Nationstar staunchly defends it 's mercenary actions of gauging and blatantly disrespecting its customers by spouting company policy. They say they are there to help, but the only help that is offered would serve only Nationstar -- and not the consumer. I understand why Nationstar has earned it 's publicly documented " XXXX '' rating with the XXXX.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer- generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SERVICES XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYEMENTSTO PAID ON TIME Thank you for your attention `to this matter sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (NC)

LoanDepot charged for insurance for XX/XX/XXXX to XX/XX/XXXX. Proof of insurance was provided via email on XX/XX/XXXX. A partial amount of XXXX was refunded on XX/XX/XXXX but remaining amount of XXXX was not refunded till XX/XX/XXXX. This company kept money for no reason and did not provide any explanation. See document XXXX Also insurance purchased back in XX/XX/XXXX has not been refunded even when insurace company provided an invoice to them in XX/XX/XXXX ( see page 7 of document XXXX ). The invoice was sent directly to loandepot which they did not pay and purchased their own insurance. 


Company has been sending letters saying address is not correct on the insurance policy but they have an error in their systems where address is being truncated due to 30 character limit. they are also threating purchase of insurance due to this address issue. This is a deceptive practice. Company is also not paying the insurance company directly and has never paid them- they are not honoring the committments of the escrow account. they automatically purchase third party insurance routinely. Attaching insurance policy provided to them in XXXX which has correct property addess ( Page 5 ). - document XXXX Recently letter were received again saying property address is incorrect and notice that insurance will be purchased for me even after providing proof of insurance w correct address. See document XXXX