davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX  XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My forbearance ended in XX/XX/XXXX and deferment was approved at that time as well. According to the terms of the deferment letter I will resumed regular monthly mortgage payments of {$1300.00} starting XX/XX/XXXX and the past due amount will be deferred to the back end of my loan terms. But the servicer, Lakeview Loan ServicingXXXX , to this day has not updated my account according to the deferment terms. I've called every month since XX/XX/XXXX to inquire about this issue and every time they tell me it'll be fix in XXXX weeks. I continue to get collection calls from them. It has been 4 months and they still haven't updated my account according to the deferment terms. They are currently showing my account as delinquent with a past due amount instead of deferred as agreed. Now they have applied the recent four payments for XX/XX/XXXX to XX/XX/XXXX towards the past due months at the start of my forbearance which is XX/XX/XXXX to XX/XX/XXXX. Attached is the Deferral Agreement and the latest mortgage statement showing the past amount during forbearance has not been updated as current.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (GA)

I notified Harvard Collection Services LLC on XX/XX/XXXX regarding a class action law suit against XXXX XXXX XXXX XXXX XXXX XXXX which was the supplier of my XXXX XXXX XXXX account. I informed them that these charges were inflated charges that resulted in a class action law suit for several claimants, myself included. I spoke to XXXX XXXX, today XX/XX/XXXX at XXXXXXXX XXXX and she informed me that she received my documentation and my account has been placed in dispute status of XX/XX/XXXX. However, despite my account being placed in dispute status, Harvard Collection Services continue collection actions as I received a letter ( dated for XX/XX/XXXX ) today XX/XX/XXXX. According to the Consumer Financial Protection Bureau and the provisions of the Fair Debt Collection Practices Act, the collection agency must stop all collection activity once a dispute has been received and the required verification has been provided to the consumer. Their continuance to collect this invalid debt is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My student loan servicer MOHELA is doing a poor job on handling my student loan payment process : 1. I made a payment on Federal student loan on XX/XX/2022 for {$5200.00} and that was the time my loan was undergoing a transition from Fed Loan to MOHELA. MOHELA lost the payment. I have kept calling them for the last 1.5 years about this, and recently I found that they raised my loan from {$25000.00} to {$30000.00} because they think they found the missed payment and refunded it to me since it was made during COVID and I can ask for refund. ( I still haven't received anyway, it's been half a month now ). My problem is that I have never borrowed {$30000.00} ; the missing {$5200.00} was made my loan was {$25000.00}. So I was charged extra for finding that missing payment back. And last week, I called their customer service, they said that they are going to adjust the amount after investigation in 7 days. Still haven't seen the adjusted amount, but the repayment under {$30000.00} is already on its way. 
2. My school starts on XX/XX/XXXX, and my in-school deferment couldn't make until the end of XXXX, this will make me pay for {$700.00} at least until in-school deferment could be notified.
Consumer complaint received 2022-04-13
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. (CA)

Sent countless letters to XXXX regarding multiple debts on my credit report for correction and or proof item is mine ; XXXX never sent me anything and I believe an investigation was never performed. It also took XXXX more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (DC)

In XXXX, I purchased a TV from BestBuy and the experience from beginning to end has bene terrible. When I purchased the TV, the BB agent told me about their Citibank credit card which was XXXX % APR for a year, so I signed up. I checked my account today and noticed that BB has been charging me interest on purchases so I called and the person that I spoke with said that the XXXX % APR only applies to certain promotional purchases. 

This is extremely sneaky and deceptive. This is not what I was told and if they told the truth from the beginning, I would have never signed up. I want the {$96.00} interest they have taken from me.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to file a complaint against transunion for false and derogatory reports on my transunion account. This matter has made my credit score go tremendously down and I tried disputing the debts theyre saying I owe but havent been able to make any progress
Consumer complaint received 2022-04-13
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. (LA)

I contacted experian to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also XXXX  under the civil law ( 15USC 1692k )
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I accepted a zero-percent promotional credit card offer with Citibank in XXXX, XXXX. After making all my payments on time, I sent Citi payment in full of {$6500.00} on XX/XX/XXXX, to pay off that promotional balance in full ( otherwise that balance would be subject to interest charges beginning XX/XX/XXXX ). However, instead of paying off that promotional balance in full, they used a portion of it to pay off XXXX zero-percent flex-pay loans in the amount of {$550.00} I opened last month. I requested that Citi re-allocate my {$6500.00} payment to first pay off my XXXX, XXXX promotional balance in full, but they refused.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance One, Inc. (IL)

I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I have tried several times to close my account with this service provider, but to no avail. There is no online option to close to account. When I call their customer service center, they handle me all the way to the point where they need to close the account, and then " by chance '' drop the call. When calling again, I get the runaround and am unable to close the account.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hello. My name is XXXX XXXX and on XX/XX/2021, I noticed a fraudulent activity for the amount of {$2000.00} withdrawn from my Chase checking account via XXXX. Within an hour of noticing, I contacted Chase regarding this fraud. The chase representative informed me that it would take 10 days for the claim to get processed. Within those 10 days, I received a text alert stating that a new recipient [ XXXX ] was added or edited to my XXXX contacts. I proceeded to contact chase regarding this matter. A Chase representative informed me to send a screenshot of the text alert to XXXX. A representative also informed me that my claim was denied and closed. Being shocked by the news, I spoke to another representative and she informed me to fax all the proof that my email and social media was hacked that same day to the Chase fraud department. About a week later, I contacted Chase again regarding an update on my fraud claim. During this phone call, I again was informed that my claim was denied and closed. I have been a loyal chase customer for over a decade and a previous J.P Morgan employee. I truly can not believe the lack of customer service from Chase. I am a dissatisfied customer and I would truly appreciate if I can obtain support and assistance from you with appealing the decision from chase bank to deny my fraudulent claim. In an effort to rectify this issue, I will be filing a police report and re-appealing the decision. Feel free to contact me via email at XXXX or via phone XXXX XXXX XXXX XXXX. Thank you in advance.
Consumer complaint received 2017-08-29
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. (GA)

This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.
Consumer complaint received 2021-08-23
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: CCS Financial Services, Inc. (NY)

Credit Collection/XXXX  XXXX is reporting a fraud account on my credit I dont know what this account is and I dont recognize the doctor affiiliated with this company. Please remove this account from my credit XXXX is a fraud account. I never opened this account nor did I use this account. 
Please see the attached FTC report and my driver license and remove this account from my credit
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (IL)

U.S.C. 1681b section 2 - XXXX  XXXX Bankruptcy # 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 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc. (AZ)

Back in XX/XX/2021 someone obtained my personal information, applied for and received a loan with Moneylion through my XXXX  XXXX checking account. XXXX XXXX has since investigated and resolved the matter returning all money back to me. 
However Moneylion is impossible to contact and I have been trying for months to resolve this through the credit bureaus with no progress. It is starting to affect my Credit and anything you can do to help would be greatly appreciated.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TX)

N accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2016-01-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC (IL)

I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX  # XXXX ...., XXXX XXXX # XXXX ...XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX # XXXX ...XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Consumer complaint received 2022-04-13
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX XXXX they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XX/XX/2019.  During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm deeply troubled by the presence of this XXXX payment on my account, as I've consistently made XXXX payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2019-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (LA)

I called the collection agency and was told I have a debt for lumbar back problem for going to the hospital they gave me the date of me being on XXXX XXXX covered under XXXX XXXX XXXX XXXX which pays 100 % and I never went to a hospital in XXXX about a back. Problem during these dates
Consumer complaint received 2019-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

In the latter part of XX/XX/XXXX, I was notified by my current mortgage holder Wells Fargo, that my loan was being transferred to XXXX XXXX XXXX and beginning in XX/XX/XXXX i would begin making payments ( which include Homeowners and real estate taxes ) to them. Soon after taking over my loan, I was sent a notice dated XX/XX/XXXX stating my account had an escrow account of {$1100.00}, and that they would be raising my mortgage payment from XXXX to XXXX. I called in to XXXX and expressed by disbelief and displeasure at this notice and asked for an explanation of how this was possible considering the amount taken out of my payment for escrow. Based on the information found on my monthly payment notice, i am paying {$230.00} per month for escrow, and have been since XX/XX/XXXX, so in 12 months this would total {$2700.00}. My real estate taxes are {$1700.00} a year and my home owners insurance is {$810.00} a year for a total of {$2600.00} annually. So mathematically, I would have a SURPLUS of {$190.00}. Apparently XXXX and perhaps Wells Fargo, require a 2 month buffer, so add two payments of {$230.00} for a total of {$460.00}, subtract the surplus of {$190.00} and the balanced owed would be {$270.00} NOT {$1100.00}. Also, I have asked for my escrow payment to be removed from my mortgage as I would rather pay it since Wells Fargo or XXXX can't be trusted for accurate accounting. XXXX informed me, that when I had agreed to a loan modification by Wells Fargo, the agreement contained language which prevented me from withdrawing the escrow out of the payment. If this was indeed the case, I wasn't aware of it, and by any means, this agreement would've been with Wells Fargo, not XXXX. XXXX is essentially resorting to extortion, by forcing me to pay an increased payment which should be an illegal practice, when the information clearly shows they are mismanaging my account payments. Also, after my loan modification, my payment was {$630.00} per month, ( escrow {$220.00} ) until XX/XX/XXXX, and Wells Fargo increased my payment for a supposedly escrow shortage after the modification ( to the current amount of {$230.00} ), raising it to {$640.00}. So once again, the accounting doesn't add up, as I have been paying {$230.00} for over a year into my escrow account. Please look into this matter, as we are certainly aware, Wells Fargo is not above breaking the law and taking advantage of their customers. If mortgage companies can force escrow increases for each of their customers, imagine how much extra money is being brought in to the company and making it more profitable on the backs of the public. Apparently XXXX is of the same ilk as Wells Fargo. As I have gone through a separation from my wife, I am a single parent with all the responsibility of paying all bills, and as my credit was hurt during this event, I can not find someone to offer a refinance so I can be rid of XXXX. I appreciate your time into looking at this matter. 
XXXX XXXX XXXX