davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, XXXX, and Transunion. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXXXXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX  accounts # XXXXXXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

15 U.S.C 166B A creditor may not treat a payment on an account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$2500.00} ; US DEPT ED XXXX Balance Owed XXXX {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

US BANK REPRESENTATIVE DENIES FICTITIOUS LOAN SCHEME PLUS STATES MY EVIDENCE AND COMMUNICATIONS WILL BE OBSTRUCTED FROM REVIEW On Monday, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX wrote : Re : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Dear XXXX XXXX : Thank you for your inquiry directed to the Consumer Financial Protection Bureau ( CFPB ) and subsequently forwarded to U.S. Bank N.A . ( U.S. Bank ). I have been asked to address your questions or concerns on behalf of U.S. Bank and appreciate the opportunity to do so. 



Our records show we responded to your inquiries on 2 separate occasions response dated XX/XX/XXXX, and XX/XX/XXXX. Please refer to those communications, as we do not have any additional information to provide to you. Those communications clearly stated our role and identified a more appropriate contact for your inquiries. 



We disagree with your legal assertions and do not acknowledge your correspondence as satisfaction or settlement of the debt owed, nor do we acknowledge that your correspondence has any legal significance or that it forms the basis for any contract or agreement. Your account is governed by your loan documents and the Trusts governing documents. The statements contained within your correspondence in no way alter or change the nature or terms of your loan documents and your contractual obligation to repay the balance owed on the account in full is neither discharged nor forgiven. 



As the previous letters to you by U.S. Bank have provided you with the servicer contact for your issues and we have no additional information to provide to you any future correspondence by you will be forwarded directly to the servicer for a response. Accordingly, direct all future correspondence to the servicer representative assigned to this matter Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX U.S. Bank XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXX XXXX, MN XXXX XXXX www.usbank.com
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I am part of the cohort of XXXX borrowers who were transferred to Mohela. In XXXX of XXXX, I discovered my loans were not properly consolidated. In XXXX of XXXX, I submitted an application to consolidate my loans, provided income information to calculate my XXXX plan under XXXX, and resubmitted my XXXX employment information to update my eligible payment count. 

In XXXX of XXXX, I received a notice that was backdated indicating that I was in administrative forebearance for XXXX of XXXX. I also received a notice that I had missed a payment for XXXX even though I did not make a payment as I was in administrative forebearance. I spoke to a Mohela representative on XX/XX/XXXX, and asked that the payments I made during that period be applied to my XXXX and XXXX statements. I confirmed that my other paperwork was processing. My XXXX statement was allegedly adjusted. 

In XXXX, I received a statement with an incorrect payment amount. I spoke to a representative on XX/XX/XXXX. My request to apply the payments from XXXX and XXXX of XXXX had been canceled as had the XXXX paperwork for the XXXX plan. She resubmitted my request. My XXXX paperwork was still processing. My XXXX statement was supposed to be in administrative forbearance while they fixed it. 

Now in XXXX my statement reflects a missed payment for XXXX. The statement amount is still incorrect. I am still in a 10 year repayment plan instead of XXXX, which raises my monthly payment from just under {$700.00} a month to almost {$3000.00} a month. My XXXX paperwork was finally processed, and my counts are inaccurate. 

I have spent hours on the phone with Mohela the past three months with no resolution to this issue. I would like my XXXX paperwork run so that my statement reflects the XXXX plan. I do not want to be held responsible for a " missed '' payment that was supposed to be in administrative forebearance. I want my XXXX  counts accurate. I am unable to spend hours on the phone every week speaking to customer service representatives " in training '' who can not fix this issue or blatantly lie to me about actions they do not take.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2012 with a balance of {$39000.00}.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WI)

Signed up for 0 % APR balance transfer. 
I have all documents from promotions and official agreements. 
American Express customer service claims that other interest fees applied and charged me every month for interest that was not in the agreement. 
When attempting to resolve for the third month in a row, an official case was opened, and when they concluded they were right they put the balance back and then added 4 cents to the balance due to poor accounting. 

I also have all monthly statements and they do not keep accurate balances from month to month. With last month 's balance, interest charged, amount paid, and any other fees on the statement, they will create a new balance that does not match what should be calculated. 

When finally closing the account, the service representative said everything was paid in full and I would not be charged anything anymore. The next month they sent me one last bill for interest that I was promised would not happen. 

XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$1.00} + {$0.00} XX/XX/XXXX {$1.00} + {$28.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} + {$0.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$52.00} Totaling {$100.00} in additional payments due to American Express 's poor accounting and billing. 

I can also provide dates and times for calls to customer service to verify I tried to solve the issue and was lied to by their representatives that I would not be charged.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IA)

on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. an original contract with a wet signature from the original creditor with a wet signature. the name address and and phone number of the original creditor. an itemized payment history associated with the account as to determine what is owed and/or that may be contested. proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas I am more than sure that the company has claimed numerous payments. I mailed this letter on XX/XX/2023, it has been about 50 days since I received what appears to be the last bill, with no itemized statement of the prior bill no original contract, and nothing on whether they are even allowed to collect this alleged debt they are not licensed in the state of Iowa.
Consumer complaint received 2023-05-19
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: PENTAGON FEDERAL CREDIT UNION (SC)

I am formally requesting that you Validate all tradeline listings by Pentagon- XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

I have notified both Upstart and XXXX that the late payment was wrongly submitted. I have provided documentation of police reports, ftc number and cyber crime along with notice that my bank account was closed. All of this is because of ID theft and fraudulent activity which has resulted in accounts being closed and causing problems beyond my control. Ive never missed a payment in over 20 years on my credit report. This is the first time and again because I was victim of identity theft. I notified the company and was making attempts to pay this but bank account was closing.
Consumer complaint received 2024-01-14
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (OH)

This is not my account I have no knowledge of this account and they are reporting on my credit report without any not notification or communication to me. They are in violation of FDCPA rules and laws. This is not my account. I have never heard of it. There are rules before reporting on a credit report. They are in violation I have made them aware.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted XXXX XXXX XXXX to inspect and clean our chimney. The site seemed professional and had pictures of their service trucks and workers in uniforms. We were told cleaning would be {$150.00}, in line with what we have paid in the past. On XX/XX/XXXX a late model minivan pulls up to the house, a young man ( maybe XXXX yrs old ) in a disheveled hoodie and jeans comes to our house carrying an old vacuum cleaner and asked to borrow a broom and dustpan. I was very nervous and uncomfortable with him in my house. He didn't inspect the chimney, his vacuum blew dirt all over the family room and tried to upsell me to fix " cracks ''. I told him no, said I would pay for cleaning and wanted him to leave. 

He showed me the bill for {$150.00}, I gave him my credit card to pay and I asked for a copy of the invoice and receipt. He walked away got into his minivan and drove off. Then approximately 30 minutes later I received via email a receipt for {$750.00}! I felt like I was scammed/defrauded. I tried to call the company but nobody answered the phone. 

I then immediately called Bank of America, explained what happened and feared that I was just a victim of fraud and not to pay the fraudster the {$750.00}. Pay the {$150.00} as that is what I agreed to but in no event pay {$750.00}. I was told that Bank of America needed to let the charge go through and I could then dispute. I said that makes no sense, I agreed to pay {$150.00}, they may have committed fraud and Bank of America should not pay it. They said that is their process, they need to pay the full {$750.00} to the merchant. 

Bank of America let the charge go through, I sent them a letter as per their request putting the above in writing ... and on XX/XX/XXXX received a letter saying my claim for {$600.00} was declined BECAUSE I DID NOT PROVIDE BANK OF AMERICA WITH A COPY OF THE ORIGINAL SALES SLIP OR OTHER DOCUMENTATION INDICATING THE MERCHANT CHARGED THE INCORRECT AMOUNT!!! I told Bank of America right after this fraud happened that I was shown an invoice for {$150.00}, I gave my card to pay that, when I asked for my receipt the fraudster drove off and then sent me the fraudulent receipt for {$750.00}. 

My husband and I have been very loyal customers with Bank of America for the last 15+ years and to be treated this way ... after getting defrauded ... is despicable. Bank of America touts on their website that " [ y ] oure protected by Bank of Americas {$0.00} Liability Guarantee : Fraudulent transactions made using Bank of America credit and debit cards are covered by our {$0.00} Liability Guarantee as long as you report them promptly ''. I would really appreciate it if you would compel Bank of America to live up to their " {$0.00} Liability Guarantee '' for me and to ensure they don't treat any of their other customers going forward in this manner. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 usc 1681 604 ( 4 ) 2. In accordance with the written instructions of consumer to whom it relates. 15 usc 1681 602 ( a ) 4 .there is no need to insure that consumers reporting agency exercise there grave responsibility with fairness, impartiality and respect for consumers right to privacy. XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
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. (NY)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX