davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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)

My XXXX husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I XXXX XXXX and a XXXX Veteran. Due to my XXXX I gave the property management company XXXX XXXX XXXX two ( 2 ) Reasonable Accommodation Letters that both stated that due to health reasons and my XXXX I would need to move out of my home in which I paid my rent and move in with my daughter in order to have around the clock care according to my medical physician. According to ADA Regulations and the Federal Fair Housing Act with the presentation of my Reasonable Accommodations under the protected class of XXXX, I should have been absolved of any rental obligations once I removed myself from the home. I returned possession of the premises on or about the dates of XXXX XXXX  2023. I did this to avoid any prorated charges that would occur the following month. The apartment was left in move in ready status and a walk out inspection was completed by the staff of XXXX XXXX XXXX. In XXXX  2023 I received a bill for an untrue amount in which I disputed. I believe that my constitutional rights of Due Process have been violated. Instead of XXXX XXXX XXXX clearing this unresolved matter in court in the form of retaliation this property management sold this untrue debt to a collection agency in order to have this debt show up on my credit to further harm my future housing status. As a result I now have been charged a higher mortgage rate for my new home that I just purchased through a XXXX  XXXX XXXX Mortgage.
Consumer complaint received 2023-11-29
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. (IL)

I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this CREDIT UNION 1 account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA CREDIT UNION 1 has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer.

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Consumer complaint received 2022-09-29
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. (FL)

I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft report
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (IL)

In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( Pelican auto Finance ) not one payment was ever reported. In XX/XX/2018 loan was transferred from Pelican Auto Finance to Westlake Financial Services. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( XXXX  , XXXX, XXXX ). Westlake sent a written response stating there is nothing they could do about the current situation. My loan with Westlake Financial is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.
Consumer complaint received 2020-03-02
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: Colony Brands, Inc. (TX)

On XX/XX/2020, Ginnys and XXXX and XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a XXXX XXXX these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries XXXX credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. 

If you have received an item from one of the following - XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX & XXXX, Ginny 's, The Swiss Colony, XXXX XXXX, XXXX XXXX XXXX, XXXX  or XXXX XXXX  XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
Consumer complaint received 2023-02-04
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-12-06
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE A WHOLE LOT THAT I WOULD LIKE TO ACCOMPLISH FOR MY FAMILY AND MYSELF SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AK)

I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XXXX XXXX  MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs. Mohela has no incentive to fix this, as long as the longer they can keep my loans out of repayment the more interest will continue to grow as the SAVE plan only applies to loans in repayment status. 

On XX/XX/XXXX Mohela had me fill out another document that would put my loans into repayment so that they would qualify for the SAVE plan. They said the last representative that had me submit a hand written document requesting my loans enter repayment was incorrect regarding the proper procedure. Several days after submitting this form I saw my loans go back into repayment thus qualifying for the SAVE plan. 

However today XX/XX/XXXX I opened my account and they are no longer in repayment and thus not qualified for the benefits of the SAVE plan. I am currently on hold with Mohela and given the countless times I have called in to have this fixed I think it is going to take an outside organization such as the FTC or CFPB to rectify the scam Mohela is running against student borrowers and defrauding government of programs meant to help out recent XXXX XXXX
Consumer complaint received 2023-02-04
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
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: JPMORGAN CHASE & CO. (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc. (NJ)

My mother and I applied for a mortgage through XXXX XXXX. I was informed by the underwriter my mother and I passed desktop underwriting. I was asked to pay a {$600.00} appraisal fee. I was told after I paid the appraisal fee my mortgage could not be processed due to my student loan debt. XXXX XXXX would not refund me the money for the appraisal fee. 
I was referred to Jersey mortgage by friend and he had no problem approving my mother and myself for a mortgage because we both had XXXX credit scores with a lot of debt. We purchased a home for {$400000.00}. At the time my mother and I had over {$100000.00} in credit card bills and student debts. The mortgage broker said this would not be a problem. Shortly after I closed on my house I lost my job I asked the mortgage broker if there was anyway we could unwind the loan due to the significant drop of income. I was told I was on able to do that I could refinance later on down the road. This put a lot of stress on my mother and my husband and my husband ended up punching me in my face during this whole process and running up my credit cards to support our children. The mortgage broker did not exercise good judgment skills when he issued this mortgage. My mother and I are not mortgage analyst and we trusted that we will be able to afford the house. Im respectfully requesting a thorough investigation on how he mortgage of this amount was approved but the amount of student debt I have not yet to repay. I have done a little research and I know that mine and my mother situation does not conform to FHA guidelines.
Consumer complaint received 2023-02-04
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$71000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( Since XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3000.00} XXXX. I started by having a {$500.00} card with them, then they evaluated my excellent payment history and offered me several times to increase my credit line. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. On XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. When I contacted them by phone, they did not treat me well, as I am XXXX and spoke in XXXX, I felt they discriminated against me because I do not speak much XXXX. I request all my account to be immediately reopened and the credit line restored. My account number is # XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Consumer complaint received 2019-02-01
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: AMERICAN EXPRESS COMPANY (KS)

I noticed that my balance was low so I checked my transactions I noticed 2 charges on my account XXXX XXXX for XXXX and XXXX XXXX for XXXX both charges on XX/XX/XXXX I called american express serve and filed a fraud complaint and I was told that someone used my card to purchase airline tickets online in their name not my name and they let the charges go through anyway so i filed the complaint and ordered a new card. On XX/XX/XXXX I received an email stating that my complaint was declined. How can they let someone use my card in their name and then decline the complaint.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

The payment got deducted from my account. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I'm confused and I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-16
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. (NJ)

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 



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.