davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is a collection on my credit report called " XXXX XXXX XXXX '' they claim to be from XXXX for insurance on a car.

I never had a car or owned a car and never had insurance on a car. This collection is wrongfully reported on my credit.

I tried disputing it with buearau directly but it's still on my credit report.

This is illegal and being reported illegally.

As per the law, the credit bureau has to verify that this is mine and has to provide me with any documents or signatures or anything showing that this in fact is an account I signed up or reliable for.

I never had such account. And this is highly damaging to me. Please remove this as soon as possible or provide me with all documentations that you obtained to determine that you are allowed to report this on my credit. 

Thank you!
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (TN)

I closed a conventional mortgage refinance loan in XXXX of XXXX with Stockton Mortgage with the " investor '' being Fannie Mae. At the time of the refinance, the loan did require PMI due to originally being made above 80 % of cost/value. On XX/XX/XXXX I submitted a PMI Removal Application per the instructions provided by Stockton Mortgage through email and received a response that they had received and would let me know any further info needed. The next response I received was on XX/XX/XXXX indicating that XXXX had ordered a valuation and that I would be contacted within 7 days to get that scheduled. I did hear promptly from the XXXX and communicated with him through XX/XX/XXXX last of which was confirmation from him that the report was complete and had been provided to his client ( Stockton Mortgage ). On XX/XX/XXXX I emailed XXXX to confirm status of the request and they replied that " the report has not been completed or provided to us by the investor. '' When I heard nothing further, I sent a follow up email to check status on XX/XX/XXXX and on XX/XX/XXXX I received a reply stating " the investor has requested some paperwork from us to review before they complete the report. We will let you know when they have submitted the completed valuation ''. Again, I heard nothing so sent a follow up on XX/XX/XXXX asking about status and received a response on XX/XX/XXXX stating " the process is not completed yet. We will contact you upon completion '' with no further explanation or detail of what further was needed. I received absolutely no communication until I again sent an email on XX/XX/XXXX. I received a reply XXXX stating that " the investor is looking for a copy of the XXXX XXXX and XXXX Deed with the legal description included. We have been trying to obtain this documentation for quite some time now. Would you happen to have these in your file, and if so please forward a copy to us? ". I was able to obtain these documents and send them them by XX/XX/XXXX and asked why they had not requested the documents from me sooner with no response. 

The last email I received on XXXX indicated that the documents were uploaded to the XXXX portal and they would let me know when they heard back from the investor.
Consumer complaint received 2024-03-27
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 am a victim of Identity theft. My Identity was using to get credits and the theft tried to rent an apartment as well with my Identity I listed a couple accounts that was open fraudulently, I want them accounts removed off my credit profile it is affecting me real bad!
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC. (CA)

I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX  XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2023-01-10
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)

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 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (AL)

XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX  XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 Equifax XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.
Consumer complaint received 2022-10-27
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. (PA)

In accordance with the Fair Credit Reporting act 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  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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-19
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. (NC)

Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Credence Resource Management is trying to collect debt from me that i do not owe and they keep harassing me. I do not owe anyone XXXX in order to collect debt from me they need to have a document with my signature on it or it is illegal and i will be filing a lawsuit immediately if they do not remove it.
Consumer complaint received 2023-05-16
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: Lockhart, Morris & Montgomery Inc. (VA)

-On XX/XX/19 Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right.
Consumer complaint received 2023-01-09
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: Meridian Financial Services, Inc. (TX)

XXXX XXXX XXXX is incorrectly assigning a collection that does not below to me. As per previous complaint # XXXX they themselves identify the actual owner of the account XXXX XXXX XXXX XXXX XXXX. 
I request Meridian Financial correct this error and restore my credit profile by removing this collection and updating all credit reporting bureaus of their error. I also request they provide me documentation that this correction has taken place so my filing purpose. 

Attached file shows my father and mother are the owners of the account not I as they claim.
Consumer complaint received 2023-05-16
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: FIFTH THIRD FINANCIAL CORPORATION (LA)

On XX/XX/XXXX XXXX I Went to purchase a XXXX. I received a denial from. I have never owned a car nor have I ever asked a bank tooled me a loan for a vehicle let alone get a repossession.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Consumer complaint received 2023-01-10
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. (IL)

This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

XXXX. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXX, XXXX  AND XXXX  STUDENT LOANS TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

XXXX. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

XXXX. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

XXXX. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Forster & Garbus LLP (NY)

XX/XX/XXXX, my mother was handed a letter for an income execution that was against me sent by Forster & Garbus. XX/XX/XXXX We immediately contacted Forster & Garbus and eventually were informed that this stemmed from XXXX XXXX, a credit card that was opened in my name in XXXX! I informed XXXX XXXX at Forster & Garbus 's Fraud department that I have never had such or credit card. In fact, this was the very first we had even heard of such a credit card. I am a victim of identity theft. Whoever opened this credit card put down an address I've never lived at, and listed an employer for whom I have never worked. Therefore, all prior attempts to contact me never reached me else I would have had a chance back in XXXX to dispute this when it first was filed with the sheriff 's department for income execution. Research shows XXXX XXXX has been a defunct company for more than 10 yrs. 

XX/XX/XXXX, I filled out an Affidavit of Fraud, on XX/XX/XXXX Forster & Garbus decided it was a vaild debt no matter what we had stated. XX/XX/XXXX filed an Identity theft report with identittheft.gov, and put alerts on my credit report. We contacted the State Police regarding the matter but we were informed the statute of limitations was up to even arrest anyone. 

XX/XX/XXXX, Forster and Garbus have now located my actual employer and a wage garnishment is pending. I have requested repeatedly for proof of the debt and informed by Forster & Garbus there is no paper trail. No copies of any such statements, no copy of the alleged credit card application. Oddly enough, this appears no where on my credit reports causing us to wonder if this isn't a scam debt. Despite all this, there is now a pending wage garnishment for {$3100.00} for a debt I never incurred from XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (OR)

On Friday XXXX I went to close all my accounts because I do not believe my online banking was ever fixed when the {$250.00} fraud charge happened in XX/XX/XXXX and then I was supposed to get a credit on the XXXX well that did not happen. I got a statement saying I got one and it did not show on my online banking but it showed on their end. SO I left the XXXX in the account unwilling to pay the fraud charge and waiting for it to be adjusted in my online banking. We had many emails about why it was not showing up and what was the issue and they said they weren't sure but they were working on it and when it was finally added on XX/XX/XXXX for XX/XX/XXXX it did not reduce the amount I owed at allSo i said the hell with this and paid the money and closed ALL my accounts BUT for some GOD known reason the assistant manager DID NOT CLOSE my online banking. WHY she did not do this I do not know So on Tuesday my mom who took over the account that had her checking in it not my stuff and became sole owner of it ended up getting a call that there were 2 transactions from my online banking account trying to wire transfer money to some guy we don't even know for XXXX and XXXX. Not only that I had 2 other banks attached to this account because I would transfer money in to help pay XXXX credit card bill and they tried to wire transfer in XXXX money I dont have in an account. All because they did not close or shut down online banking the Friday before. Yes this could of happened if I kept the account but I was closing it because I did not feel safe keeping it and went in closing it and wanted it closed immediately ALL of it. Now I had to file a police report call my banks closed multiple accounts set up new ones as well as change every single one of my auto payments associated with my cards because you guys failed to do your job and close my online banking when I closed my accounts
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Chase dropped my credit limits on XX/XX/XXXX, on one of the cards they dropped my limit from {$18000.00} to {$2700.00}. At this time, I kept a balance of {$1700.00} which would have been less than 10 % usage. The other changes were from {$10000.00} to {$2500.00} and {$4200.00}. 

Despite having kept an excellent credit history by paying off more than the minimum due and being responsible about my credit use, Chase still decided to reduce my credit limits by these amounts which significantly affected my credit report. My usage went from 10 % to 50 % or more on these cards. I even accidentally maxed out one card paying for online courses because I had not been aware of the decrease. When I asked to have my original limit restored they said they'd have to pull a credit report to begin the process which seems very convenient for them. I explained that my credit took a hit because of their limit decrease so my credit report would be weaker as a result. Its no coincidence that they dropped them by this much because this essentially prevents me from being able to justify a higher credit limit. 

On top of the strategic manipulation of my spending power, the reasons for why they took this action in the first place are lies. They said that I had a high balance - I do not. They said that they might have gotten wrong or outdated information from the Credit Bureaus, that's also not true. 

I have been a long time customer of Chase and am very disappointed to be experiencing this. I'm essentially getting penalized for having a low balance and maintaining my credit. I would like my credit limits restored or close to what they were originally. Additionally, I've paid all my balances in full so there should be 0 excuses about my balances in the future.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

In early XXXX  2024, the Department of Education ( ED ) announced recertification would be extended to fall 2024, at the earliest. My loan recertification date was XX/XX/2024, and MOHELA required me to recertify my income by XX/XX/2024 ( see attached file - " XXXX - XXXX '' ). So ED made this announcement after my recertification was already due to MOHELA. 

On XX/XX/XXXX, MOHELA sent me a letter stating they processed this recertification ( see attached - " XX/XX/XXXX Income Driven Repayment '' ), after ED announced the extension. So MOHELA processed that recertification after the ED 's announcement. ED 's website says payments that increased due to recertification would be reverted to the previous payment amount. MOHELA still has not reverted my new payment amount ( {$650.00} ) to the previous, lower amount ( {$570.00} ), per ED 's guidance. 

I called MOHELA on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who did not have a timeline for when payment amounts would be reverted. I called MOHELA again on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who said there is no timeline for when payment amounts would be reverted. XXXX also told me they would not put me in administrative forbearance, despite this being ED/MOHELA 's mistake, so I will now be forced to pay the higher payment amount starting with the month of XXXX until they fix this mistake and revert my payment amount. I am counting on PSLF, so I am essentially being forced to pay the higher, incorrect amount ( based on ED 's new guidance ) and if I don't, these months won't count towards PSLF.