davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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. (NE)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged THE BUREAUS XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/XXXX I had my bank XXXX XXXX  scheduled to pay XXXX dollars for may car Loan to Huntington Bank, should of paid XXXX but paid XXXX by mistake. I noticed on XX/XX/XXXX they took the XXXX out of my checking account, I called and they took took out the XXXX out on XX/XX/XXXX to send for the XX/XX/22 scheduled Payment. My car payment was not even due till. XX/XX/XXXX, but I pay early. I called Huntington and the payment was applied on XX/XX/XXXX of the XXXX. They told me ( and recording says they record phones so should be able to Listen to it ) they would send me a Cashier Check in 3 business days, and to go ahead and pay my XXXX car payment when due. I asked they keep the XXXX for the car payment and send XXXX and they said no. They said just pay it when due. So I trusted their word and paid the XXXX car payment on XX/XX/XXXX. I called today and my payoff is still Like would be with XXXX payment. I finally get someone who said they are Holding my funds till XX/XX/XXXX to make sure clears. They have had it since XX/XX/XXXX. So now they tell me To email them and send bank statements to show proof I paid it, when they already have the money. My bank statements only show Money taken from account. I took pictures and sent them too. They gave me this number to check # XXXX
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NC)

I am asking for help. I took out Federal loans back in the XXXX 's so I could go to college. I had to given my Dad at the time was in a XXXX Home because of XXXX XXXX. Fast forward, in those days, I took out the XXXX that I could in student loans to get through 4 years of college. I regret that now. Fast forward again, once I got out of school all I could get for work was a basic customer service job with a bank. The monthly student loan payments around that time in the late XXXX 's were too much for me so I called XXXX ( servicer at that time ) for help. They offered the forbearance program which was so easy to enter into. There lies the problem. A basic customer service representative at that time who knew nothing about finances and explained nothing about repercussions for continuous forebearance over a number of years, with a simple click of a button, changed my financial situation forever. Fast forward again, as a young adult out of college I continued to barely make ends meat as a customer service rep. Over the course of 6 years as a basic customer service rep., not knowing the true long term consequences of a long term forebearance plan, my principal student loan balance blew up from $ XXXX to over $ XXXX. That was back in XXXX or XXXX. Ever since, I've been trying to keep up with the payments but for many many years all my monthly payments have done is pay off the accrued interest each month. My loans were moved over to Navient back in XXXX and they operate the same as XXXX. There is little or no understanding of my situation by them. All they offer are income based repayment plans at this point and that offers very little relief because all my monthly payment is doing is paying the accured interest each month. My monthly minimum payment based upon my income the last 2 years or so has been around {$450.00} and again all that payment is does is pretty much pay the loan accrued interest each month. I am crying out for help! I have paid XXXX and Navient thousands and thousands of dollars over the years in trying to keep up with student loan payments and it seems that all Navient wants to do is bury me financially. I still can't believe that it's been almost 25 years since I graduated college and my student balance is pretty close to the student balance I had back in XXXX after my forebearance period ended! How these student loan service providers aren't legally required to cap accrued interest on student loans at some point is absolutely mind boggling! I am now XXXX XXXX XXXX with a XXXX XXXX XXXX son and still making student loan payments that just cover my monthly accrued interest. I don't want to be a grandfather still making student loan payments in my XXXX 's or XXXX 's. Again, I have paid back thousands and thousands of dollars over the last 25 years. Navient will not listen and I am putting in a formal complaint that their business practices are corrupt.Please help!
Consumer complaint received 2021-08-06
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: Amsher Collection Services, Inc. (CA)

I received a collection from an AMSHER COLLECTION SERVICES on XX/XX/XXXX that was placed on all my bureaus. the original Creditor was XXXX. I've spoken to XXXX and this account was closed due to fraud. Someone used my name and social security to open and use this account. AMSHER COLLECTION SERVICES is now trying to collect a debt that is fraudulently against my name. It's also a duplicate attempt at colelction, because on XX/XX/XXXX for the same original creditor, XXXX, a RECEIVABLES PERFORMANCE has also tried to collect a debt in a similar amount. They then sold this debt to AMSHER COLLECTION SERVICES and now the same fraudulent debt is being attempted once again by another company with a brand new collection registering against my name with the bureaus. Meanwhile my score has suffered a XXXX point hit accross all bureaus. Can we please have this removed? Thank you.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NY)

BMW I took over a lease and BMW did not disclose the TAX that would be assessed. The original Lessor paid the entire tax at the start of the lease.

I took the lease over so as to save money on deposits and tax charges.

BMW advise that once I assume the vehicle I would just continue to make the monthly payments.

I received a bill for {$700.00}. BMW has yet to provide any paperwork reflecting the TAX charges. When I spoke to the BMW supervisor I advised him that I have assumed many cares in the past and have never paid the tax, When asked why BMW didnt disclose this information when signing the lease assumption? His reply was '' we didn't know how much tax would be charged ''. 

With the original lease the entire breakdown of the charges including the tax was listed. One my lease assumption for it had the only mention of charges for Registration, Tax, Insurance etc. When reading the paperwork it suggests the tax on REGISTRATION.

I demanded the {$700.00} be rescinded since it was not disclosed. The BMW rep advised that if I did not pay it I would be placed in collections. I paid the {$700.00} and demanded a Supervisors call back. To date no return calls were received. When call back to check the status of the call back, The reply was no one will call since there is nothing to discuss. 

Please look into the matter. If need be I have full recordings of the conversation and all paperwork. 

Regards
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (CA)

There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX XXXX {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX {$310.00}
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent a Cease and Desist letter to Portfolio Recovery Associates @ XXXX XXXX XXXX. XXXX, Va XXXX that was received by them XX/XX/2020, according to USPS tracking information, however they keep calling my home even though the debt they are trying to harass me to pay is more than twenty five years old. 
They are calling on average 3-4 times a week.
Consumer complaint received 2021-11-29
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. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.
Consumer complaint received 2022-07-31
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

This complaint pertains to a string of fraudulent ATM withdrawals from my Chase College Checking Account, using stolen information from my debit card. 

Originally, I had received a text form Chase indicating fraudulent activity on my account. I texted back saying I had not withdrawn any money, and they said they would send me a new card, which I never got. Someone had compromised my account and changed my home address and contact information, so the replacement card was sent to an address in Florida without my knowing. This can be seen in the address field of the XX/XX/2020 bank statement attached ( home address at the time was in XXXX, CO ; you can see the address changed between XXXX and XXXX ). 

I then experienced a number of withdrawals from my account from various ATMs around Florida, totaling upwards of {$7000.00} all without me knowing. I found out when I eventually checked my statements. 

I raised a complaint to Chase, who came back and said my card with chip had been used, so they had no way to prove I was not the one who made the withdrawal, even though one of the withdrawals was at a Chase bank branch. I appealed the decision with additional supporting documentation from my employer ( attached badge scan information, I also offered to provide further proof of location ) to prove I was nowhere near Florida at the time of any of the withdrawals. This appeal was denied as well for the same reasons. I finally raised a third complaint in person at Chase, and they treated it as an " escalation, '' also to no avail. This has been a very frustrating experience that has taken many hours of my personal time to contest. 

I believe this case was treated without serious investigation and without urgency, and it goes against Chase 's customer protection policies. Additionally, this problem was a failing of their security systems, and there has been no acknowledgement of this. This money was stolen while in graduate school and made a big difference in my life.
Consumer complaint received 2023-01-20
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. (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. 

The following have violated my rights ; 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 15 USC 1681 SECTION 602A-States that I have a right to privacy 15 USC 1681 SECTION 604A - It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) - States no consumer reporting agency may make a consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report of more than seven years 15 USC 1681 s-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-01
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (OH)

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 Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-03
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. (NJ)

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Consumer complaint received 2021-08-06
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. (FL)

To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, XXXX XXXX
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mandarich Law Group, LLP (CA)

I have disputed a charge that was paid off months ago several times through XXXX and directly with XXXX XXXX XXXX I have uploaded the letter from the law firm XXXX hired to collect the debt ( Mandarin Law Group ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.
Consumer complaint received 2022-07-31
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 

XX/XX/20XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-06-23
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX name XXXX XXXX XXXX account # XXXX, XXXX XXXX name XXXX XXXX XXXX Account # XXXX, XXXX XXXX name 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.