davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

Mr. Cooper purchased my home loan the last week of XX/XX/XXXX. I paid my mortgage payment of XX/XX/XXXX to my pervious mortgage servicer because I had not received any notification. A letter from Mr. Cooper dated XX/XX/XXXX was sent to me, but I did not receive it until XX/XX/XXXX. I followed the instruction in the letter to setup an online account. I discovered at that time, they had my account reported as " Past Due. '' I contacted them immediately and told them that I made the XX/XX/XXXX payment to the previous servicer. I was told they would not charge a late fee, but that I would be reported to the credit bureau if a payment was not received by XX/XX/XXXX. I made two XXXX payments and now I am responsible for the XXXX payment. I provided them with an account history, payment confirmation, and a bank statement and they still will not credit me for the XX/XX/XXXX payment. I have sent chat messages and made several phone calls and they have not resolved the issue. I provided the account history and payment confirmation from the previous servicer on XX/XX/XXXX through the secured messaging system on the Mr. Cooper website. I provided these same documents again along with a bank statement with the mortgage payment highlighted on XX/XX/XXXX through an email to XXXX after a CSR name " XXXX '' told me that nothing has been done with the previously submitted documents. I am always one payment behind because they will not give me credit for the XX/XX/XXXX mortgage payment. I can not afford to lose {$1300.00} because they purchased my loan and sent notice of this action after I paid the XX/XX/XXXX payment to the previous mortgage servicer. They refuse to work with me and only threaten to report me to the credit bureau if I don't continue making this extra payment month after month. I have provided all requested documents and made the extra payments to give them extra time to complete their work. They chose to buy my loan, and even though I had no choice in the matter, I am being threaten with Past Due notices and warnings about my credit when it all goes back to their negligence.
Consumer complaint received 2021-01-15
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. (CA)

XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?
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: Nelnet, Inc. (PA)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/NELNET # 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 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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?
Consumer complaint received 2023-05-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/2023 I had a direct deposit made into my account from an investment account. My intention was to use those funds to purchase a vehicle that we had ordered from the manufacturer and were under contract with the dealership for. In the same manner we had used previously for a different vehicle purchase we had the money transferred into our account with USAA FSB with the intention of ordering a cashiers check to complete our purchase. When I called to initiate the cashiers check I was told that they were unable to complete my request. I was told that it was their " policy '' that my account did not qualify for a cashiers check, when asked why as we had banked with them for more than 14 years. I was told that in XXXX I had XXXX NSF due to an automatic payment I had forgot about and had already made that payment to the company. I asked where I could review this policy as to the reason 's they can restrict my access to a cashiers check and they have been unable and unwilling to provide that documentation. USAA does not have local branches so we are unable to go into a location and discuss in person. We are now in potential violation of the contract we signed with the dealership because they did not previously disclose restrictions on cashiers check requests. XXXX more, in the phone conversation that took place on XX/XX/2023 the banking representative told me that they probably shouldn't have told me the reason they couldn't give me access to my money, and because she did she would probably get in trouble for it. I am concerned that they are keeping secrets from me regarding my own money.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc. (MI)

I have tried to call this company several times regarding this account. American first finance is reporting my account as a charged off account. I am confused how something is charged off and you are still taking payments from me every two weeks. 
- Also previously before this I spoke with American first finance and asked them for my buyout information and they were suppose to debit the account while I was in New York for the pandemic. That has never happened. 
- also I have submitted proof. Please see the attachments.
Consumer complaint received 2023-01-16
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. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX  also said they can't find anything on this account. Please help
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

there is a wrong info on this report and inaccurate information on Experian. The other two companies XXXX and XXXX has already removed this erroneous account from my report, for some reason Experian will not budge. II have sent them over 10 letters to supply the documents proving that what they report is true and they have refused to do so. yet Experian will not delete the account off my report even though they are not following the law.. They will not send me proof of there reporting. 

XXXX XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Lease Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$7000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Experian CO CO CO OK OK OK OK OK OK OK OK 30 60 OK OK OK OK OK OK 30 OK OK OK OK XXXX
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX I placed an order with XXXX XXXX XXXX XXXX  using a coupon. Somehow someway, it made my entire transaction free, I was only asked to enter my debit card number to pay for shipping. I entered my information and authorized them to debit my Chase account in the amount of XXXX. 
On XX/XX/XXXX I got a notification from my bank ( Chase ), letting me know I made a purchase totalling XXXX which I didn't. I immediately logged in to find out what it was, and it was a charge from XXXX XXXX XXXX XXXX. I went back to look at my confirmation email and that was not the amount I agreed to pay. I contacted Chase Immediately to have the charge reversed, I contacted XXXX XXXX XXXX XXXX ( total bust ). Chased reversed the transaction and told me they would contact me if they needed more information. They contacted me and asked me to call, which I did, I sent the email I received from XXXX XXXX XXXX XXXX showing the amount I was supposed to pay, which was XXXX. They told me I would be updated and contacted if they needed something else from me. 
XXXX XXXX I noticed the money was reversed to XXXX XXXX XXXX XXXXXXXX XXXX I contacted Chase again and spoke to a XXXX for the Claims department. He told me that the reason the charge was reversed and my claimed closes, is because during the investigation, they found the purchase was made in store, therefore I had authorized the XXXX transaction. I reassured him the transaction was made online, and that i didnt authorized that charge, he didn't believe me. I asked him to review the faxes I sent. He finally said he was requesting to reopen the claim.he told me it would take 3 days to do so. 
XXXX XXXX Contacted Chase yet again to check on the status of the claim, I was told by another supervisor that they would not be re-opening my claim, because I didn't have proof I used a coupon. I was never told that before, the only thing I was asked to provide was the email conformation showing the amount I was supposed to be charged. I am a single mother on a fixed income, I don't have the extra money for unauthorized transactions. Chase is on the wrong and they are not willing to admit their mistake.
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: Experian Information Solutions Inc. (GA)

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 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 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 2023-01-16
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: Experian Information Solutions Inc. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mine XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XX/XX/XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mineXX/XX/XXXX
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

the following are inquiries on my credit report that I do not recognize and did not authorize. 

: 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc. (FL)

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was currently planning to acquire a house for my family and this fraudulent inquiry on my consumer report really affected me a lot that I can't even move forward with my life. For your record, this has caused me so much trouble. This needs to be removed from my report.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Since XX/XX/XXXX, Ive set my payments to Bank of America to pay {$150.00}, twice a month, one of the default autopay options from their website. I left it to autopilot for over a year now, and recently checked my account. I see now that Ive been charged a {$39.00} late fee every month since at least XX/XX/XXXX and likely before, despite paying every month on time and well over my minimum. 

I called BofA, and according to them, this is because payment was due on the XXXX. But Ive been paying them using their default bi-monthly autopay on the XXXX and the XXXX, and had they chosen to credit the payment on the XXXX to the following month ( for instance, a payment on XX/XX/XXXX going to my XXXX bill ), and the XXXX to the current month ( XXXX in this example ), then I would not have been charged somewhere around {$660.00} in late fees. 

They appear to have chosen to allocate the payment to the prior month in order to maximize their collection of late fees. 

I have attached every bank statement going back to XX/XX/XXXX, and can request back statements going back further if needed.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have recently contacted the company regarding my discharge under the XXXX XXXX XXXXXXXX case. However, Mohela, the company responsible for managing my student loans, has claimed that they were not informed about my involvement in the case and were only instructed to put my account in forbearance. Despite this, my student aid account has been displaying " processing discharge '' since XX/XX/year>. However, Mohela sent me a letter via the portal about refunds I should receive that is now no longer in the message portal. I have spoken with someone before we seen I am due discharge but told me its processing so for other agents to say the Dept of Ed hasn't sent them anything is untrue. In fact, I uploaded the letter from the Dept of Ed myself and Mohela denied it. This misinformation seriously affects my credit score, as it is being reported to the credit bureaus. Additionally, the balance is increasing due to accrued interest. This situation has to be rectified immediately.