davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows inquiries that I did not authorize!. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not authorize or give permission at no time } XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time } XXXX. { XXXX XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX  XXXX  ) inquired on ( XX/XX/XXXX ) ( I did not give authorization or give permission at no time ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation. I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose. 
Please investigate and update these items as soon as possible. 
I am asking that these inquiries be removed and deleted from my credit file immediately. 

Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jonathan C. Frank & Associates, LLC (IN)

On XX/XX/XXXX, 2017, I received a phone call from a XXXX XXXX, claiming to be from Jonathan C Frank and Associates. He claimed that he had two charges in his office that they were going to file reference to a bad check and check deception. He did not say where they were going to file this. He goes on further that I owed XXXX on a loan I received from a company called XXXX. I asked for his address, which he gave as XXXX XXXX XXXX, XXXX Texas. I then asked him to send me validation of the debt before I will speak with him about any debt that I owe and to stop calling me. He then started to yell, stating that he wo n't argue with me, he doesnt have to send me anything, and he will file criminal charges against me and someone will be at my house to arrest me. I was called from XXXX. I XXXX that number and learned that this is an attempted scam to defraud people and steal their identity. 

I looked up Jonathan C Frank on the Texas Bar Association website and saw that he is a licensed attorney. I attempted to contact his phone number listed of XXXX. I did not get an answer. He is not listed as a debt collector either on his bar information or via the Secretary of State in Texas. 

He does have a website of http : //www.jonathancfrank.com/, however, a whois search revealed that this is registered to an unknown person in Utah. XXXX searches also revealed that this may be a fake site using XXXX XXXX 's information.
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 — Account status incorrect
Company: Navient Solutions, LLC. (FL)

To whom this may concern Navient is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Outsource Services, Inc. d/b/a National Acceptance Company (FL)

I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.
Consumer complaint received 2017-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
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: EQUIFAX, INC. (MO)

This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX account number XXXX This home equity line was opened in XX/XX/XXXXand was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I have a savings account with CITI bank ( XXXX, Florida ) among other accounts with the same bank. 
While longing in my online banking I was offered a promotion saying if I keep certain amount of money in my savings account for 3 months I get {$50.00}. I did it. Never received the reward. I contacted the bank, they told me if I didnt have the " promotion code, they were not able to locate the promotion. They told me not to worry, that they will use a new code, and to wait another three months to get the reward ( in other words, to do all over again ). I did it. No reward. I contacted the bank. Same response. Asked to check on their records, they should have my first complaint. No response. They asked me to do it all over again. Did it. No reward. 
My complaint is the Citibank is misleading and false advertising to incentivize me to keep certain amount of money ( XXXX ) on my savings account, so they can used as their want, but never give the reward. 
I would like to get {$15000.00} as I have had that amount of money for more than a year. If that is not the case, I just would like to let you know what they are doing. 
Thank you very much. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX Cell XXXX XXXX XXXX
Consumer complaint received 2017-08-29
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 — Investigation took more than 30 days
Company: Alliance One, Inc. (GA)

Alliance One shows on XXXX. I sent in proof to other credit reporting companies as well and the debt was removed from all but XXXX. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on XXXX. XXXX XXXX did not respond.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan was in deferment/forebearance and XXXX reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains. I contacted Trans UnionXXXX and XXXX and they said they were going to contact XXXX and nothing ever happened.
Consumer complaint received 2016-11-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC. (WI)

I have received dozens of emails from this XXXX stating that I owe for a pay day loan that I took out in XX/XX/XXXX and the debt was discharged in a bankruptcy XXXX # XXXX filed : XXXX/XXXX/XXXX & discharged : XXXX/XXXX/XXXX - ( a copy will be attached ) I have told these same people that time and time again. I just co-incidentally received another email from them today which I will attach stating that I will lose my job, that I will go to jail, purporting to be the united states attorney and the list goes on and on. among other things they stated in the email : " My name is XXXX XXXX from XXXX XXXX XXXX. Reason of this email that we have registered a case against you. 
COURT HOUSE Following is your information. 
CUSTOMER ID : XXXX CASE FILE # : XXXX - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$970.00} CREDITOR - XXXX Creditors- XXXX XXXX XXXX which is a parent company of more then XXXX cash websites and internet web portals in USA and operates under different names in different states. 
Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 
Through an IRS ( Internal Revenue Service ) your social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 
Any child support, XXXX, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 
Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wo n't be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 
If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 
It may be possible that you may have some financial hardship with you. 
So, we are just giving you a last chance that if you just make a payment by Today then we will close this account as paid in full with XXXX balance. 
We do hope that you will work out with this offer which is of SETTLEMENT AMOUNT - - {$300.00} NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. '' Yours sincerely UNITED STATES ATTORNEY XXXX XXXX XXXX XXXX | Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX, XXXX. 
XXXX Monday - Friday : XXXX to XXXX Central Standard Time Saturday : XXXX to XXXX Central Standard Time Sunday : XXXX to XXXX Central Stand Sincerely, XXXX XXXX XXXX XXXX XXXX Support While I know that they have not filed a case against me, I am tired of the harassment that has continued for the last 5 years. 

please stop them from contacting me.
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Hi, I write to you, because I have ran out of options. I have tried contacting Coinbase over 9 times via email and over there XXXX customer support. They have a telephone number but its completely useless. There customer service is the worst Ive ever seen. They are a cryptocurrency exchange company, one of the biggest in the world, but in my opinion they are committing fraud on hundreds of people. And they get away with it because of there terrible customer service. I started investing with them in XX/XX/XXXX, I invested in XXXX and XXXX currency. I have invested over {$1000.00} with them, but on XX/XX/XXXX, I traveled to XXXX for vacation, and all I did was open there app to check the value of my coins, and pfff just like that, as soon as I arrive to the states which was on XX/XX/XXXX, they had blocked my account because of my travel to XXXX. Account has been blocked for 2 months, and there is no help in sight. They always come back with the same response, we are working on it with a specialist. Really?? For 2 months?? This a multi million dollar company, and what they are doing is fraud. I have over {$1000.00} invested and in XXXX day they stoled it from me. its not right. It does not take 2 months to unlock some ones account, for something so stupid like traveling to XXXX. and like me, there are hundreds of people, and the only people getting there account open are people filing a lawsuit. I ask for you help, because I guess im a small fish in a large pond, and I do n't know what else to do, besides filing a lawsuit or traveling to XXXX XXXX and knocking on there door. The current value of my currency are close to the {$1500.00} mark. It fluctuates on a daily bases. All I want is my account to reopen and I have access to it. I understand you guys are extremely busy, but I beg of you for your help. 
Thank you
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have repeatedly called and applied for a plan to get my payment amount reduced. Once the FedLoan Servicing took an auto payment of over {$2000.00} out of my account without warning. Now, I have applied for an IDR several times and they keep not communicating with me and setting my payments above {$2000.00} per month despite my sending them a documented decrease in my income and increase in family size. After I submitted tax information, they sent a payment of over {$2000.00} per month and when I called, they said they needed recent pay stubs which I submitted. I called and got a forebearance with a payment of {$360.00} due inXX/XX/XXXX. Today, I get a letter requesting payment over {$2000.00} due XX/XX/XXXX without having answered by application for an IDR plan. I called and spoke with XXXX and he informs me that I need to write and fax names and dates of birth of all my family members! 
I feel like I have repeatedly gotten the run around with FedLoan and they are denying my ability to get an IDR plan
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (TX)

I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. 

I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. 

So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.
Consumer complaint received 2024-08-23
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER Account:XXXX  XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX XXXX XXXX : NUMBER Account : XXXX
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NY)

Received a letter ( Exhibit A ) dated XX/XX/XXXX informing me that I owed {$2100.00} in damages and other charges for my recently returned leased vehicle. 

I responded by mail on XX/XX/XXXX ( Exhibit B ) and raised my concerns about the cost. 

I received another letter ( Exhibit C ) dated XX/XX/XXXX that did not address the concerns raised my XX/XX/XXXX letter. I called the company and they informed me that they never received my letter. They advised me to fax it, which I did on XX/XX/XXXX. Confirmation of fax receipt attached as Exhibit D. 

I recently received another letter datedXX/XX/XXXX that restated the XX/XX/XXXX letter. There has been no effort made to respond to my letter.