davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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: National Credit Systems,Inc. (CA)

I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life. 

Fraudulent Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX National Credit Systems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (OR)

On XX/XX/year> I noticed that i had an unauthorize inquiry for XXXX on my consumer report. Reporting this unauthorized inquiry is in violation of the FCRA. USC 15 1681b, 15 USC 1692G.
Consumer complaint received 2019-04-04
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: Byrider Franchising, LLC (FL)

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police report.
Consumer complaint received 2019-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I paid in full on one of my student loans ( Loan XXXX ) with Navient on XX/XX/2019and still have one outstanding loan ( Loan XXXX ) in the amount of. Navient has continuously deducted from my bank account the full payment amounts for both loans on XX/XX/2019 & XX/XX/2019. Navient takes the monthly payment amount of {$110.00}, of which {$87.00} was for the paid off loan, and holds it as a credit. The open loan gets its payment of {$24.00} amount applied to the interest and principal amount and continues to charge interest daily while holding my credited amount of {$87.00} for 30-60 days before reallocating it to the only open account left. I have had to contact them numerous times to correct this issue and to close out the paid in full account to stop this but have yet to resolve the issue. The paid off account is still open and Navient still deducts the monthly payment of {$87.00} and holds it while charging interest on the other loan instead of applying the payment to the final loan. This seems intentional since Navient can charge my interest on the open loan with a higher balance than applying the full credited payment to the loan, which would result in less interest charged. This is not right! I should be charging them interest for holding my credited balance and not applying it properly.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I utilized a convenience check to transfer {$5600.00} on XX/XX/19. The Bank has been sending me convenience check offers repeatedly as part of the monthly statement as well as separate direct mail pieces. In the offer, it states that you would get a 0 % interest for a one year period but will pay a 3 % balance transfer fee. I understood that and accepted the cost. However, since the transfer took place, the Bank has been assessing interest charges despite this 0 % offer and the fact that I've continued to pay off all purchases made during each statement month to avoid interest charges. The interest being charged on purchases was 11.74 % in the most recent statement. The Bank did not properly disclose that they would charge interest on current purchases if you use their convenience checks. This is deceptive advertising.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (IL)

On XX/XX/2019 I filed a dispute with Moneylion bank about unauthorized transactions Ive sent them police reports & etc. I reported my card stolen & just received it XX/XX/2019. Now that Im calling checking on the update of my dispute theyve locked my account. I have funds in my account that I cant use that they are holding hostage! They keep telling me that I cant close my account or they cant send me my money because they are protecting it which is ridiculous! Ive been trying to close this account for 2 days now & theyre still telling me no they cant close it. What type of company holds your money hostage because they are incompetent!
Consumer complaint received 2019-11-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I was told to response and receive by USPS mail a letter from Credit Acceptance. A pre agreed to amount I paid {$200.00} whenever I received letter and I did. This month XX/XX/XXXX the agency reported that I missed a payment and I did not. As per agreed I called in and was on an endless circuit which returned and never connected me to pay so I mailed payment before its due. Therefore I dispute the claim I missed a payment. I want that " missed payment '' corrected since it negatively impacts my credit immediately.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX I have attempted 3 times to have my annual credit report mailed to me from TransUnion and they keep refusing to send it. 

My first attempt on XX/XX/XXXX, I wrote them asking for my credit report. I sent a copy of my valid Driver 's License with correct address and a copy of my Social Security Card along with my request. They wrote back with a letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. 

My second attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report. I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with the exact same letter dated XX/XX/XXXX stating they could not send me my report due to my mailing address not being listed in their records and that I must send proper documentation in another request to receive my credit report. This made no sense to me as I sent them the documentation that they requested verifying my mailing address. 

My third attempt on XX/XX/XXXX, I wrote them asking for my credit report sending them the documentation they requested to receive my report ( this time circling the items on the request document that met the requirements they were asking for ). I sent them a copy of my valid Driver 's license with correct address, a recent utility bill ( less than 2 months old ) with my name/correct address, and a copy of my social security card along with my request. They wrote back with a new letter dated XX/XX/XXXX stating that one or more of the documents provided was illegible. 

I disagree that any of the documentation that I sent was illegible. They keep refusing to send me my credit report that is my right to ask for once a year and that they are required to send per the Fair Credit Reporting Act ( FCRA ). They are breaking the law and being unnecessarily meticulous.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MN)

The following is a report of a mortgage initially opened on XX/XX/XXXX with JP Morgan Chase Mortgage. The mortgage was closed and paid in full on XX/XX/XXXX. 

On XX/XX/XXXX ( one year after the loan was paid in full ) JP Morgan Chase reported two greater than 30 day late payments that they report occurred in XX/XX/XXXX and XX/XX/XXXX. We did not make these payments past the due date. 

We have been damaged by higher insurance rates and credit costs as a result of their defamatory reports. 

JPMCB - HOME LENDING  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.
Consumer complaint received 2019-11-05
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)

Hello I reached out to you all back in XX/XX/XXXXabout some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

Please see attached filed. 

My cell phone number was ported from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. XXXX has continued to bill me as if I was a customer. I have been contacting XXXX to dispute the charges since XXXX of XXXX. Attached are bills going back to XXXX of XXXX. As you can see on every bill, ZERO data and gigabits were used for every month I was billed.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a call from someone who identified himself as a Chase representative he told me that thought there could have been suspicious activity on my account regarding a scheduled payment on bill pay. I explained that it was me that I set it up to pay my rent that would be due soon he thanked me and hung up. I tried to access my online account later that day and received an error message that I was locked out, I thought I might have just entered the wrong password and decided to take care of it latter. 
On XX/XX/XXXX appx XXXX i called Chase regarding my locked account and was told i had to go into a branch and provide positive Id in order to have it unlocked. I drove to the XXXX Branch and was told by the teller i had to see the Bank manager, the Bank manager then called me into his office where he told me the bank had no idea why my account was locked, he called someone i skied who he was calling he sternly said its the department that handles these things he was on hold for about 20 minutes then started talking to someone he then told me my account was closed he didntt know why my two options were to open a new account or wait for Chase to mail me my money in the form of a check in 3 to 5 business days. I told the bank manager that I needed that money to pay my rent he just repeated the options. I then told him he needed to get someone on the phone that that was not ok and I wanted my money. He said if I dint leave he would call the Police, I informed him to do so that I would like the documentation. Apps 15 minutes later the Police arrive I explained the entire situation to them and they took a report and told me theres nothing they could do. When I returned to my office I called the 800 number for Chase and was transferred to what they called the Executive Department i spoke to someone named XXXX who said she would make inquiries about getting my money sooner and told me I can call back and if she wasnt there anyone would be able to help me. Around XXXX I called and the lady who answered that XXXX was not there and I needed to talk to someone named XXXX but she wasnt there either, I asked what was XXXX title and she said that only give out first names and transferred the call I left a voice message explaining the urgency of my needing my money returned Immediately. On XX/XX/XXXX I talked at appx XXXX I spoke with XXXX from the Executive Dept., who apologized for the inconvenience and told me that since I verified my identity she has requested that I would be allowed to re-open my account, so I would have access to my money, I informed her that I no longer want to do business with chase and I needed my money to pay my rent, she apologized and said that could take up to 3 to 5 days.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank cleared a check for {$2400.00} and made all the funds available the next day. I sent scammers {$2100.00} and the Bank took the $ from my account. On XX/XX/2019 I deposited a check for {$2400.00} which I didn't know was fake. The Bank cleared the check and all the money was available in my account the next day. I sent the scammers {$2100.00} through XXXX ( a money transfer service provided by the Bank through their app ). On XX/XX/XXXX, the funds were removed from my account because the check was fraudulent. The Bank took zero responsibility in the matter. I sent a letter and an email to the CEO ( Attached in this  complaint ) explaining the unfairness of the situation and his assistant called me. He told me that these fraud cases are very common and happen all the time, to which the Bank never warned me about and never realized that my transactions were odd. I am a Bank of America customer for 13 years, I haven't deposited a check that large in person in years and I haven't used XXXX in about 4 years and the amount was maybe {$300.00} to my mother who also had a Bank of America account at the time. The CEO assistant told me that XXXX does have scam triggers and he doesn't know why it didn't work for me. I have a Bank of America credit card and get alerted for unusual transaction I make and I am constantly asked if I made certain odd purchases even if it's for {$1.00}. How come there's so much security for credit cards and zero security for these super common check scams. Banks are supposed to take care of the customer 's funds ; this is why people trust banks with their money.
Consumer complaint received 2019-11-05
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)

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND XXXX. NOTHING HAS BEEN DONE OR SAID BY EQUIFAX. WHY HASN'T EQUIFAX DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER EQUIFAX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am an employee of XXXX XXXX XXXX. In XX/XX/XXXXshe performed XXXX on me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, performed the XXXX. As a professional courtesy, I was not billed personally for the procedure which was a very nice gesture on their part. A couple of years later I got a bill after the practice was sold. I immediately sent letters of validation to their officers Dr. XXXX XXXX and XXXX XXXX. These letters were not answered. 
My credit report has now been hit by a collection firm called MBA Law, The Law offices of Mitchell D. Bluhm XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

XXXX XXXX has an account opened XX/XX/2017 with a balance of {$2500.00} and this is a fraudulent account. My identity was stolen, completely. Also, XXXX XXXX has an account opened for me on XX/XX/2017 with a balance of {$8500.00} and this is a fraudulent account as well.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETED the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This complaint regards experian i just checked my report with them today and they have my score lower then the other reporting agencies they have on there that it is because of two late payments and 1 collection that is untrue the collection account is correct and I have been paying on that every month the late payments they are showing is false i have not been late especially more then 30 days on any payment for XXXX and XXXX. i pay early and pay twice in most cases the one account on there they are still showing as me owing XXXX dollars which is kickoff when that has been paid since XX/XX/XXXX they are hurting peoples credit by not putting correct information on the report and putting false information instead i am very angry because i have been working hard to pay all these bills only to have them put false information on my report. I would like this information fixed. The other agencies are showing correct info they are the only ones who are not and this has been an ongoing issue