davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I used to be a customer until they sold my account. I didn't know nothing about Loan modification and was told by a Representative that my same loan would continue but it would be cheaper. Didn't know I would have to start over from day one after 10 years
Consumer complaint received 2024-03-14
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. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 seven 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.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (NY)

I received an unsolicited health information letter from the University XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX in XX/XX/XXXX. I did not read the letter. I did not complete a questionnaire. I did not sign anything. I did not check any boxes. I threw the letter into the trash as I do all unsolicited mail. Now, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX, a collection agency, is demanding payment for {$16.00}.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I applied to renew my PA XXXX license in which I was denied due to bank of america reporting to XXXX that my account as " abuse ''. As a direct result I am unable to open a new bank, new line of credit or renew my XXXX license as stated. Prior to me switching banks I opened a request to investigate a payloan who debited me multiple times until they were successful to get the money which threw my entire account off. Multiple representatives told me there is no way to stop them once they have my account number and routing number. Upon researching online I noticed bank of america has come up more than any other bank with this process tarnishing millions of consumers. On XX/XX/XXXX, I requested information from Bank Of America about this via certified mail with no response after 35 days. This should be removed immediately.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

This debt engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM 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 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 2021-09-06
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: Experian Information Solutions Inc. (MN)

These inquiries i do not recognize or authorized and would appreciate them being removed. 

XXXX- XX/XX/21, XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX- XX/XX/21, XX/XX/21 XXXX XXXX- XX/XX/21 XXXX- XX/XX/21 XXXX XXXX- XX/XX/21 XXXX XXXX- XX/XX/21, XX/XX/21 XXXX- XX/XX/21 XXXX XX/XX/21 XXXX- XX/XX/21
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (TX)

This is our first home and when we visited the XXXX XXXX ( XXXX ) model home we were shared information about their upcoming community Smooth stream at the time of the sale we were told by the sales person that this is part of XXXX XXXX XXXX. On XX/XX/XXXX we were shared a governing document which we signed and send it back and we also gave {$49000.00} check as earnest money deposit under the impression that we were purchasing a home in The XXXX city. On XX/XX/XXXX we signed the pre contract document. In all of the documents the city information was used as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. The closing date for this property was shared with us XX/XX/XXXX. 
We decided to go with builders lender XXXX XXXX XXXX XXXX funding as part of sales agreement being a first-time home buyer after receiving the appraisal report we had the option to decide whether we should proceed with the purchase of this property or not. We were given an appraisal report with the valuation of home being at {$600000.00}. On XX/XX/XXXX I signed the appraisal acknowledgement report and sent it back to the lender. The closing date was pushed to XX/XX/XXXX due to the property not being ready for closing. The closing for this property happened on XX/XX/XXXX title company was XXXX XXXX XXXX company. In all the loan and closing document the address for this property was used as XXXX XXXX XXXX XXXX The XXXX TX XXXX with the city information being XXXX XXXX. After closing at the time of transferring the utility service we found out that this property is actually located in XXXX but since the USPS uses zip code for mailing information the builder and lender used XXXX XXXX as city information. This property is located in XXXX XXXX township not the city when I tried to solve this with the builder and asked them to address this issue they refused and pointed me to the governing document. When I asked them to show me document with signature showing that we agreed to the fact that although this property is located in XXXX but we agreed to use XXXX XXXX as city information. 
We were trying to cope with the fact that we were cheated by deceptive tactics used by the builder and lender. The worst was yet to come we tried to re-finance this property on XX/XX/XXXX and on XX/XX/XXXX an appraisal was performed by XXXX XXXX and this property was appraised to the value of {$500000.00}. The builder and lender not only used deceptive techniques to sell us a property making it look like it is located it The XXXX XXXX and appraised the property to inflate the value of home higher than the actual value and being a first time home owner not giving us an opportunity to back out at the time of first appraisal performed for this property before closing.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Closing Statement card XXXX. XX/XX/XXXX Adjustment Purchases. CREDIT $ XXXX XXXX Payment $ XXXX Finance Refund $ XXXX $ XXXX TOTAL CREDITS APPLIED $ XXXX ALL COME FROM MERCHANTS AND ME MERCHANTS CREDITS TURN INTO NEW CHARGES XX/XX/XXXX {$190.00} USAA BEGAN FRAUD INVESTIGATIONS XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These purchase dates are XX/XX/XXXX Why did USAA DELAY FRAUD INVESTIGATION 9 MONTHS? These purchases were reported Unauthorized XX/XX/XXXX. USAA LEFT ME LIABLE FOR UNAUTHORIZED CHARGES OF XX/XX/XXXX Then charged them again as New Purchases??????? USAA IS THE CROOK This has been reported ID THEFT
Consumer complaint received 2018-05-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with USAA and XXXX XXXX XXXX XXXX. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So USAA and XXXX XXXX decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized
Consumer complaint received 2021-09-06
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. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2020-01-09
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and XXXX XXXX?
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (MD)

I file a dispute with XXXX about this company reporting information that is bogus. JEFFERSON CAPITAL SYST Account XXXX is in my credit report I dont know who they are and I don't owe them anything. They claim on my report XXXX XXXX XXXX is the Original Creditor. XXXX never notify me that they sold my account to anyone and they closed my account as a charge off. If they sold my account this should be remove from credit report. Jefferson is in violation od the FCRA.
Consumer complaint received 2020-01-13
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)

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (SC)

FTC Report # XXXX RE : Identity Theft Dear Equifax Please remove the following accounts listed on my credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY. XXXX and XXXX   have already removed these items.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I received a letter in the U S Mail which offered a {$200.00} credit with a new card application after spending {$500.00} in the first 90 days. The letter offers application by phone or online. When attempting to make the application on line no terms were offered which included the {$200.00} credit. After attempting to make the application by telephone I was told that a cell phone was needed to proceed with the application. The agent stated that there are hundreds of offers available but would not confirm the one mailed to me.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Over the past year, I have been working with my numerous student loan servicers ( XXXX, XXXX and MOHELA ) to consolidate my loans and begin utilizing PSLF. I initially requested a refund from XXXX for loans I paid off during the XXXX pandemic in full, for a refund so that they could be consolidated into my current PSLF package. This was recommended by a consultant, with expertise in student loans. I've copied and pasted the notes from my calls with MOHELA below, in which MOHELA dragged their feet on this process, didn't reprocess my student loans despite my request being valid at the time was made, and further not communicating with me for 4 months that my request was denied. 

XX/XX/XXXX Bill @ XXXX Might be able to get these refunded. Found all 3. 
direct plus grad, disbursed- XX/XX/XXXX, paid off XX/XX/XXXX, total loan $ XXXX, payment amount- unknown XXXX XXXX XXXX, XXXX XX/XX/XXXX, paid off XX/XX/XXXX, {$5500.00} original, unknown payment amount XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, paid off XX/XX/XXXX, original {$3300.00}, unknown payment amount. 
Requested refund on payments made during payment pause, as advised by XXXX, not full amount of loans Bill submitted the request with " borrower wants full amnts of payments made to XXXX before being transferred to XXXX. 
Wait until loans are reconsolidated once this is done, apply for SAVE Not sure of timeframe for refund given issues with previous servicer issue. 
If approved, loans will be reinstated. Loan refunds would be sent by check or electronically. I'll just have to check on my account. A letter would be sent to my account inbox. Then, I could reconsolidate the refund. 
Current payment {$250.00} Check every 2 weeks Bill submitted this. I could call in for this if I really wanted to. 

XX/XX/XXXX XXXX @ XXXX Sent as prior servicer refund, may take 90 days, was submitted on XXXXXXXX XXXX # XXXX, verifying that the refund was submitted XX/XX/XXXX adjustment needs to be done, not completed at this time XX/XX/XXXX XXXX checking on status of prior servicer refund IDRs set to renew XX/XX/XXXX. If I dont renew it will go from {$200.00} to {$600.00}. I need to fill this repayment form annually XXXX to transfer me to advance department XXXX XXXX previously flagged this as not allowed, a supervisor reviewed I'm being transferred to a call back from a supervisor for monday. 

XX/XX/XXXX Received call back MOHELA not to refund these loans. Was advised my request was denied in XX/XX/XXXX.
Consumer complaint received 2021-09-06
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: Experian Information Solutions Inc. (NY)

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, XXXX, XXXX, and Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.