davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am reiterating this complaint to draw attention to the circumstances surrounding my identity theft. Once more, these adverse accounts remain unresolved. In adherence to legal mandates, your obligation extends to the removal of these negative accounts, as well as all the items enumerated below. Consequently, I respectfully urge swift action for their removal from each bureau. Your cooperation in this matter is sincerely appreciated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$29000.00} XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$18000.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XX/XX/2014 XXXX Bankruptcy Court Discharged
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

There is a fraudulent account reported on my credit file. 

Account Name : JPMCB Card Account Number : XXXX Account open date : Someone has opened an fraudulent account on my name using my Identity for this account for which I am not responsible. 

Please remove this account from my credit file. 

I challange the company to provide me the proof for opening of this account by me.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (MD)

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to seek assistance regarding an ongoing issue with a charged-off account reported by XXXX on my credit reports maintained by XXXX and Experian. Over the past several months, I have repeatedly disputed the accuracy of this charge-off, as it appears to be misrepresented on my credit report and I have not received the necessary IRS Form 1099-C from XXXX. Despite my efforts, each dispute has been concluded by XXXX, XXXX, and Experian with the determination that the account status is " accurate. '' However, the evidence or detailed findings supporting these conclusions have not been provided to me, raising concerns about the thoroughness and validity of the investigations conducted by these entities. The lack of transparency and failure to provide substantial evidence for their determinations have left me in a precarious position, affecting my financial integrity and credit standing. It seems there is a disconnect between the reported information and the actual investigative processes that are supposed to ensure the accuracy of credit reporting. I believe that the handling of my disputes by XXXX, XXXX, and Experian may not be in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information and the investigation of disputed data. Therefore, I am seeking the intervention of the CFPB to ensure that a fair and thorough investigation is conducted and that I am provided with the necessary documentation and justification for the charged-off account 's status on my credit reports. I appreciate the CFPBs attention to this matter and look forward to your support in resolving this issue.
Consumer complaint received 2023-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX. XXXX Spoke to XXXX , she informed me she would mail out a form for me to fill out & then she would ensure account was deleted for identity fraud. 

XXXX XXXX I called to follow up and spoke to supervisor and he informed me account was sold to XXXX XXXX XX/XX/XXXX. 

I informed him that it was not my account.

I then was told I needed to call this company and have them delete it.

I spoke with the company, they told me they would delete it, but account is still reporting to all credit companies.
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC (CA)

On XXXX XXXX XXXX I signed a XXXX percent partial claim for XX/XX/XXXX and XXXX XXXX  mortgage payment. The total was {$6500.00}. 

On XXXX XXXX  I was approved for California HFA program and funds were sent to Loancare to cover the past due {$6500.00}. 

However, Loancare is trying to double dip because they still have the old partial claim for {$6500.00}. 

I asked for them to release the lien since they were paid from the California HFA program already. 

Loan care is double dipping.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

I submitted a XXXX  application in XX/XX/XXXX, I was told that I forgot to sign a page and need to submit that page. submitted page, never herard anything. I called several times and have waited more than XXXX hours to speak to someone and the disconnect the line. I recently logged into my account to see that I have a past due balance, when I was in forbearance till XX/XX/XXXX.
Consumer complaint received 2023-06-19
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. (AR)

This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit 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
Consumer complaint received 2024-04-04
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. (TN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I received an email on XXXX XXXX XXXX from MOHELA informing me that : XXXX. I was not required to make payments from XXXX through XXXX as I was supposed to be on forbearance. Yet I still received bills during this time. 

XXXX. When I was billed, I was not billed with at least 21 days notice. 

This email came 3 months late and then on a holiday when no one can even be reached to discuss the matter. I had to call today and was on hold for XXXX hours to reach an agent. 

The recourse is the extra payments were applied to my ever growing loan balance or I could request a refund. The refund is expected to take at minimum XXXX business days but maybe even XXXX. 

This is absolutely unacceptable. They have XXXX  the payment and forbearance process, taken unnecessary payments instantly and then they want to take 3 months to send a refund?! 

This company needs to be fined and placed out of business.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I'm a XXXX  resident who owes student loans and have been on the PSLF plan for the last 9 years. My loans were transferred to Mohela last year, and I've talked to them approximately XXXX times on the phone since XXXX. To date, they refuse to generate a correct bill for me to be able to pay my loans. I have repeatedly submitted my income-drive repayment applications at the direction of their phone representatives. Only on one occasion did they come up with the correct amount to bill me for pursuant to the Department of Education calculator ( {$150.00} ). 10 days later, they canceled that plan and told me I owed {$3200.00}. They then instructed me to send another IDR application in. They now say I owe {$250.00}. I told them that amount was incorrect and they had me submit another IDR application, which they promptly canceled as a duplicate application. They also had to put me in administrative forbearance from XXXX through XXXX because they illegally sent me a bill ( for the incorrect amount ) less than 21 days prior to the due date. They have stated repeatedly that this administrative forbearance will count towards PSLF. Half of my XXXX loans are now showing as ineligible for PSLF. I have called so many times and can not make any progress whatsoever. They told me I should make a XXXX payment but my account shows that I owe nothing and I never received a bill for XXXX. I have filed a complaint with the XXXX XXXX XXXX ombudsman as well and was told I would receive a response within 15 calendar days, but did not. To date, I have made every single student loan payment on time and have never had any problems with my accounts, but I literally CAN NOT get Mohela to generate a bill for me. I have spent hours talking to them and am at my wit 's end. I've been a local government employee for 9 years and simply want to have a bill generated so that I can make my student loan payment as I've always intended to.
Consumer complaint received 2022-12-06
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. (NY)

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting XXXX XXXX  Accurate. 
And according to the XXXX XXXX XXXXXXXX XXXX everything has to be XXXX XXXX Accurate. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Mohela sent a super confusing email on XX/XX/XXXX which says regarding the XXXX delayed statement issue " You may also, instead, contact us to request a refund for any payment made during this time. '' The same email says " If you made any payment ( s ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( s ). '' Mohela deducted two payments during this time, one on XX/XX/XXXX and one on XX/XX/XXXX. However, they are still deducting my XXXX and XXXX payments. If I can still receive PSLF credits for the XXXX and XXXX payments while getting a refund, then I want a refund of those two payments. Their statement that if I made payments between XXXX and XXXX then they will be credited towards future payments does not make any sense if they are still pulling my XXXX and XXXX payments.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (KS)

I woke up to an email that said there is a new login to your chime account and one that said the direct deposit form was attached. I don't have a chime account. I tried to log in and change my password but the phone number was not mine. 

I called the company and after speaking to multiple people, they said that their emails only come from XXXX email address. It was not the one that was listed on my emails. The emails themselves were verified legitimate by XXXX and had links that went to the chime website. 

XXXX more emails came to me. One said that a debit card was being sent to a previous address of mine. The other said there was only one step left for XXXX XXXX XXXX card. 

The company refused to look into it. Every email came from the chime.com domain.
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Consumer complaint received 2023-12-28
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: AMERICAN EXPRESS COMPANY (CA)

New Information Reply to American Express response dated XXXX. 


Your letter makes no sense. I am not interested in the history of Amex or XXXX as this has no bearing on my fraud dispute. 
I am not responsible for services or products that I did not receive especially when you have evidence from XXXX dental reports that states under penalty and perjury that most the dental work charged was not performed and does not exist. 
On top of this you have also received a copy of California Superior Small Claims Court judgement for the full limit the court can legally give of {$10000.00}. I want a response that is relevant and addresses my letters which i have never received from your Company. 
I have been an upstanding customer who has paid in full and on time every bill for over 33 years. 
You may have been around 150 years but are not protecting your loyal customers and instead have sold out to crooked merchants and dont seem to care if its fraudulent or not. 
I expect the answers to this letter and my last letter. 
I also expect a phone call back as Ive been promised 7 times via phone. 
Your lack of service and personal response is showing that American Express is no longer the Great co it used to be. 
Lastly I also offered to attend your offices and show you that the work stated by the fraudulent dentist XXXX XXXX has not been done. 
You have refused. 
It is your duty to investigate with due diligence the charges Im disputing and you are not doing so.
Consumer complaint received 2024-06-11
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. (IL)

In order to REMIND XXXX and TransUnion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX XXXX MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy chapter XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-29
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. (IL)

I am writing to express my deep frustration and disappointment regarding the continued presence of a charge off, account included in bankruptcy, and public record entries on my credit report, despite numerous attempts to have them removed. Regrettably, I must inform you that this is now several attempt to address and rectify this issue, yet the problem persists. 

I demand immediate and decisive action to thoroughly investigate these inaccuracies and ensure their complete removal from my credit report. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future and to restore my trust in your company 's integrity. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My confidence in your company 's ability to uphold the highest standards of accuracy and accountability depends on your prompt and effective resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have already had a complaint about Synchrony Bank in XXXX XXXX My account was closed on XXXX after making a {$100.00} payment, way over my minimum balance on time each month. My account was closed on XXXX I am going to dispute the transaction. It implies negatively against your credit. 

I have maintained a credit score of over 700 until my car payment was disconnected from my bank account for after a year. I have worked earnestly to catch my car payment up and that will be reflected on my credit score on XXXX XXXX XXXX  I like to ensure my bills are paid and maintain a good credit score. Its been affected by XXXX points. However, even through XXXX I have managed to ensure it is up to date. 

What are the odds this happened during this time? They seek to have a reason to close your account because you went against them previously for cutting your spending power, making it look like youre utilizing 100 % when I was utilizing between 30 % -40 % prior to the cut. Then close the account on XX/XX/XXXX when my credit score is the lowest its been in years due to the car payment incident. I will be disputing the account closure. Synchrony Bank obviously does not want peoples money, or ones who pay them on time. They do not know the reasoning behind the dip in my score.
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

This is a horrible company and even after a put a stopped payment with my bank from them going in my account, they still keep calling me and harassing me even calling my job. I think this company is a scam and they should be reported