davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (IL)

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 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 1666B : 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 2023-10-19
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. (MI)

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 dept ed XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2020-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AL)

In 2006, I applied for a student loan with AES totaling {$6000.00} and has paid {>= $1,000,000} on the loan ; however, the balance on the loan is {$12000.00}. The interest rate is excessive and can be classified as usuary in the U.S. This is a very suspicious company, as the official owner of the loan can not be identified, and the company is not accommodating as far as lowing interest rate, etc. Each year this loan keeps increasing instead of decreasing, as I have at one time made payments religiously without making a dent in the balance. Something needs to be done about this student loan lender. Pure highway robbery.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair credit reporting act, 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 a account without my written instructions
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (SC)

An unauthorized account was created with XXXX using my email address and another email address of an unknown party. I am unaware of when the account was created but I was contacted XX/XX/XXXX by letter from a collection agency who purchased the account from XXXX. The account has a {$310.00} negative balance. I do not now nor have I ever ( to my knowledge ) had a XXXX account. 

XXXX has denied my claim of fraud/identity theft stating ( according to the collection agency ) that in XXXX I provided them with proof of identity which I did not. This was in the form of a copy of my passport which I have never shared with anyone except customs agents at airports. Copies of what was used to " prove my identity '' in XXXX were not provided to me.
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MA)

XXXX XXXX XXXX XXXX have put a collections account on my credit report that is not mine, " Sunrise Credit/XXXX '' accuse me of being responsible for a XXXX $ debt from XX/XX/XXXX XXXX i have no knowledge of this account and I'm afraid it was opened fraudulently. 
U.S Code 1681-2a states " a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft ... '' I am the victim of identity theft! Please delete these accounts at hand immediately. 
These accounts should not be furnished on my consumer report as they are in violation!!! Under 15 UCC Code 1681b- Permissible purpose of consumer reports ( a ) In general subject to sec ( c ) any consumer reporting agency may furnish consumer report under the following circumstances & no other : ( 2 ). In accordance with the written instruction of the consumer of whom it relates. 
I never gave any consumer reporting agency " Written Consent '' to report anything on my consumer report which violates my rights as a fedraly protected consumer. No Consent Is IDENTITY THEFT. As a consumer i am demanding the deletion of the account mentioned above immediately.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My wife and I got XXXX XXXX  with XXXX in the fall of 2021 and were late on a mortgage payment. My wife is a XXXX XXXX and took months to recover. We were too ill to contact the mortgage company and had a late payment. We notified our loan provider LoanCare in XXXX XXXX XXXX  XXXX and asked that they remove from our credit report. We sent XXXX results XXXX XXXX XXXX but they DO NOT CARE. We never had a mortgage issue with them before this and are current on our mortgage. Cant imagine how awful they are if you are truly struggling. They did nothing to work with us over a simple matter. I called them multiple times to no avail and the decision makers will never talk to you directly. 

Now due to this matter I can not get lending and may lose {$50000.00} in deposit. 

This should not be this difficult to resolve. Banks need more government oversight because without it they are just predictors praying on any weakness.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2022-04-18
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information that Credit Bureaus are reporting in error.

Im disputing personal information that is reporting inaccurate on my credit files. Ive previously spoken to several individuals referencing this matter as well as sent documentation to each bureau to updates these items. These items are misspelled as well as incorrect names and addresses Ive never been attached to. In XXXX I was advised I was a victim of Identity Theft and was advised to lock my Credit profile through all bureaus, in which Ive so. Ive made over five to six attempts in referencing this matter of inaccurate information on my file. Ive also contacted the Account that the addresses are reporting with file on report. Those companies advised me I dont have an account open with them that I would have to contact the Credit Reporting agencies. 
I would like for this information to be removed and updated to the only livable and correct address Ive supplied to each bureau as well as the correct first and last name as well.
Consumer complaint received 2022-04-18
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. 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 Bank 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 a 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 2022-04-18
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 — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-04-18
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)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXXXXXX XXXX Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX  Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX  ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.
Consumer complaint received 2023-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Company is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) and continues to intentionally cause negligence after company has been informed of such violations.
Consumer complaint received 2022-04-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, XXXX I received an email from XXXX that my order was shipped. I contacted them immediately that I had not ordered anything. XXXX has documentation of my call. I also call Bank of America right after that and informed them that my card was used fraudulently. I was issued a new credit card. Someone attempted to order XXXX XXXX XXXX and XXXX cancelled one order & refused to change the shipping address on one order. 3 orders were accepted ; 2 orders were shipped to an address in XXXX & one to my home address. I was told by a fraud supervisor with Bank of America that the address in XXXX belongs to a company. I returned the item shipped to my address to XXXX, using a XXXX label that they provided.. 
XXXX has been unable to credit my card for the returned item because of the dispute so the charge for the XXXX I returned still appears on my credit card along with the charges for the 2 XXXX that were shipped to XXXX. On the XXXX site it says the item was returned. Despite numerous calls to both XXXX and Bank of America , Bank of America has denied the fraud dispute and I am not only being charged for XXXX XXXX that I didn't order but accruing interest charges. I have appealed the decision to bank of america numerous times & most recently was rejected because : '' while you personally didn't make the charges we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' I am a single person, live alone, do not have anyone else on my account, nor have I authorized anyone to use my card. I am a victim of fraud & of Bank of America 's refusal to accept that these are indeed fraudulent charges. It is now affecting my credit score. I have been with Bank of America since the XXXX XXXX & never even had a late charge.I am getting charged interest now even though a bank of america fraud supervisor named XXXX in XXXX told me not to pay the charges for the XXXX. I am including the orders listed on XXXX with addresses, documenting the one item returned, and some of bank of america 's responses. My credit rating has gone down as a consequence.
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (FL)

XX/XX/2022 I told Network Capitol I didn't want or need a new mortage. However, a week later I received loan documents in the mail. I don't appreciate them proceeding with try to for e me into a loan I didn't want. This is very sneaky and underhanded process and should be stopped immediately Thanks
Consumer complaint received 2022-04-18
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account ( 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 a account without my written instructions.
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

The borrower on the mortgage passed away. He was my stepfather and he had a trust that named my mother as his successor. However, before she could trust the property to me, she passed away. The property went to the next in line. He trusted the property to me. My husband and I are on the title through the county of XXXX. The mortgage company refuses to acknowledge me as the Successor in Interest. I have submitted every form they have asked for. I have submitted both trusts and they refuse to give me any information about the property. They are asking for a Trust Certificate. I even had my attorney on the line with them to find out exactly what they need. I asked why they need a Trust Certificate when I have already submitted both trusts. They never have an answer. They have promised me over 10 times that a Specialist will call me back because they dont know. I have never received a call back. They absolutely refuse to give me any information about the mortgage. It is now in active foreclosure. I want to get it caught up, but they wont tell me how much I need to do so.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account ( 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 a account without my written instructions.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Mohela, the federal servicer of loans eligible for Public Service Loan Forgiveness, appears to be purposefully and willfully misclassifying my application for PSLF. It is apparent that they are conducting business in a manner to exploit both borrowers and the federal government to maximize the interest collected on loans consolidated to them, as evidenced by thousands of similar publicly available complaints relating to what can only be willful ineptitude. 

I consolidated my loans prior to the XX/XX/2022 deadline, and submitted two employment verifications that covered a span of over 10 years. Despite communicating with them dozens of times, they still have not yet verified that two different local governments are eligible public sector entities. Additionally, they periodically send correspondence that states that 1 ) I have had no eligible employment, or 2 ) made no eligible payments, which I believe may be designed to dis-incentivize individuals seeking forgiveness.

The process for verifying eligibility should be simple, but Mohela is making it tremendously difficult, and is continually providing incorrect correspondence that could lead a person to believe they are not actually eligible when they indeed are. In some cases, Mohela staff state on the phone that they " need more time '' or to " give them another 90 days '' even after they have sent letters ( electronically ) that state " You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF ''.

Mohela should be fully investigated.