davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
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. (IL)

On XX/XX/2018 I sent a certified letter to XXXX, XXXX and Equifax to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX saying they will not investigate my disputes.
Consumer complaint received 2022-10-28
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2018-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I called my loan service provider up last week telling them i want my payments to reflect every saturday till the debt js cleared. My loan service provider agree, so when i got payed on this past Thursday my loan service provider ( Navient ) took my money two days earlier without telling me, that they were going to tell me.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Hi recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account Is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Also I researched that in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX ) ( XXXX XXXX Account # XXXX ) XXXX : ( XXXX XXXX XXXX- Account XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX Account # XXXX ) ( XXXX XXXX # XXXX ) Please remove all inaccuracies from my credit report thank you so much for all of your help.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (TN)

XXXX XXXX XXXX : XXXX Contact Information ( XXXX ) XXXX XXXX Great Lakes XXXX is double charging me on interest and the total amount of {$8100.00} consolidated loan Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment This loan was consolidated already on XX/XX/XXXX with Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$62000.00} In repayment I have contacted this loan servicer and discussed the issue of them not paying off and ( continuing to charge me interest ) the {$8100.00} that is already included in the {$62000.00} consolidated loan. They explained to me that this was a computer glitch and they would clear it up by XX/XX/XXXX. They are very aware on their system not showing this already paid off consolidated loan. They have left the balance of {$8100.00} on my account with a payment date due on XX/XX/XXXX and this balance is already included with the {$62000.00} loan. They Great Lakes refuse to take off or show that the {$8100.00} loan is paid in full within the {$62000.00} loan. Therefore, this loan servicer is double charging me for the consolidated paid off loan and will not remove or show that this smaller loan is paid in full. They assured me that this issue would cleared up because of their known computer glitch system that affect many of their customers. This loan servicer is also not updating and reporting my account to the credit bureaus correctly. 

I recently took out a another student loan in XX/XX/XXXX U.S. DEPARTMENT OF Stafford Loans EDUCATION ( XXXX ) Balance {$6700.00}. This loan is not what I am making a complaint about it is this loan ( Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment ) In school until XX/XX/XXXX These are the correct balances before the XX/XX/XXXX consolidation. This does not include the new XX/XX/XXXX2018 Stafford loan. 
Overview Balance {$54000.00} Highest Balance {$55000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 yrs, 3 mos ) Overview Balance {$8100.00} Highest Balance {$6600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 7 mos )
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I called Chase regarding the interest I was charged on XX/XX/XXXX On XX/XX/XXXX, a payment of {$5000.00} was made and posted to the account then, onXX/XX/XXXX, I was charged interest on the original balance of {$6600.00} instead of on the current balance of {$1600.00}. When I called Chase, I asked to speak to a Supervisor and the lady I spoke to was extremely rude and would not let me speak. She said I was being charged {$110.00} in interest on the {$6600.00} because that was my balance inXX/XX/XXXX even though the interest charged was inXX/XX/XXXX, 5 days after I made a huge payment to my account. The billing cycle did not end untilXX/XX/XXXX and I made the payment on XX/XX/XXXX before the billing cycle ended.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American Credit Card Number : ending XXXX I would like to dispute multiple XXXX advertisement charges that I made for advertising for XXXX, a company that got shut down by Federal Trade Commission for being a scam and fraudulent company. 

DISPUTE for total of {$13000.00}, fraudulent advertising for XXXX on XXXX XX/XX/2018 {$25.00} XX/XX/2018 {$50.00} XX/XX/2018 {$250.00} XX/XX/2018 {$500.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$280.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/18 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$1.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$100.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} XX/XX/2018 {$750.00} Total of 23 transaction in amount of {$13000.00} MOBE was a business education platform. It got shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent on XX/XX/2018. XXXX was permanently shut down by the receiver on XX/XX/2018. 

I was first introduced to XXXX  through XXXX ads in XX/XX/2018, I believed in the possibilities that was promised in the ad, and I believed in XXXX for endorsing the ad on its social media website. Soon I signed up with XXXX on XX/XX/2018. As soon as I sign up with XXXX, I started to introduce XXXX to the vast consumers using the advertisement function on XXXX just like the way I was introduced to XXXX. In short three months that I joined XXXX, it got shut down by FTC. I was one of the person who helped to spread it using XXXX advertisement function, and I was also a victim too. I was shocked with the power of social media that can helped to spread the scam contents virally. 

I am not sure if XXXX knew that there are people posting ads from questionable company to scam vast consumers utilizing their platform. XXXX advertising escalates and helped to spread and promote the scam exponentially. XXXX is a large social media who can not only focus on making money, XXXX had failed to safeguard this situation and allows people to post scam contents on their platform. 

I called Bank of America dispute department numerous times, I went to the branch to speak to the branch manager, I fax in related supporting documents, and I just can not get any response back from Bank of America for this dispute. Please help me, I dont know where else to go to. Thank you.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

First XXXX  used or has XXXX XXXX of XXXX XXXX in XXXX County KY help them steal $ from me. I s Am sick from XXXX XXXX, my job causing a XXXX XXXX and XXXX XXXX XXXX. 
XX/XX/17 I bought 5 phones at XXXX  and since then my phone had {$4900.00} stolen and XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX but XXXX said its XXXX  / XXXX XXXX - then {$300.00} from XXXX  XXXX -XXXX  from XXXX  XXXX -XXXX from credit union I have 56 false hard inguires and identy theft false credit cards. I want XXXX  XXXX and XXXX XXXX to fix XXXX to pay me
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I disputed this account with the credit bureaus in the past and it was deleted and now this debt was recycled and purchased without any proof that alleged debt is mine.Sending a bill is not proper validation that i owe alleged debt nor my signature can be verified.Please delete negative information off my credit report or i will have my attorney from XXXX XXXX XXXX in XXXX, Fl to seek damages for defamation.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX, acct. no.XXXX is wrongfully appearing on my XXXX   XXXX AND EQUIFAX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX, acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

I applied for the XXXX XXXX American Express Business credit card. I verified with American Express prior to applying that I would be eligible for the welcome bonus and was told that I was eligible and to apply. After meeting the minimum spend I was denied the welcome bonus. They provided several generic reasons as to why someone would not be eligible. I did not fall under any of the exclusions and they could not provide me with a specific reason. It was reviewed with their " back end '' team twice and was told to check back in a few weeks each time. After being denied I requested to cancel the card and have the annual fee refunded since they did not provided the promised welcome bonus. They informed me I was past the time period to have the annual fee refunded after it was due them taking so long to be back to me each time. I had chat transcripts of every conversation about this issue.
Consumer complaint received 2018-10-08
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: BOEING EMPLOYEES CREDIT UNION (WA)

I have 11 inquiries on my report that are a result of ID theft. All these inquires showed on on my report in XX/XX/XXXX with out my knowledge or consent. I need to have these items removed immediately. I have file complaints with the FTC and local law enforcement in relation to this issue.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

My account was charged 5 times by a company XXXX XXXX. I only authorized them to charge once. I reported this timely to American Express within 60 days, American Express refuses to remove from account without any basis.
Consumer complaint received 2019-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I went to the Chase ATM located XXXX XXXX XXXX, XXXX, Illinois on XXXX XXXX. XX/XX/2019, to deposit some cash to my checking account. I made four deposits in total and the first three successfully went through my account. However, the last one didn't. After inserting XXXX* {$100.00} bills in ATM, the ATM crashed and said : " we are having some trouble '' and gave me a receipt. So they basically ate {$2900.00} dollars ...

I called the customer service and they told me I'll receive some credit and send me an email about this. However, I haven't received any credit or any email about it. They wouldn't even tell me how long will this matter be disputed.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I am applying for a loan and when SBA pulled my credit SBA stated my credit score with Experian was a XXXX However, I have an account with Experian and when I logged in and check my score its says a XXXX  credit score. Why is there such a different score when I and the SBA are pulling credit scores from the same source? It is not fair that I didn't get my loan because of Experian 's unfair practices. If they are showing a lower credit score by 100 points then I should be able to see it too! I have no late payments on my credit score but they provided a low score to SBA which is not right!!
Consumer complaint received 2021-02-12
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MS)

For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in my credit
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. I do not believe the accounts belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
Consumer complaint received 2019-05-26
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)

There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX County due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (TX)

I do not owe this debt. I contacted this XXXX months ago to dispute the charges because they falsely agreed to accept my insurance, they then contacted my attorney trying to get us to sign a form to agree to pay any amount they charged which would then be paid if I ever received a settlement for the injury. In addition, I was grossly misdiagnosed as having a severe medical issue when in fact I did not. This XXXX  was completely unethical. I disputed the charges with the office and they then turned them over to a collection agency. Capital Accounts began calling me on XX/XX/XXXX. I explained the situation to them on the first call and asked them not to contact me again and to turn into my credit where I would dispute it. I received calls again on XX/XX/XXXX and XX/XX/XXXX and both times a male collector rudely yelled at me on the phone telling me I had to pay it and threatening to turn it in on my credit. I told them by law they were not to harass me ever again and I wanted no further contact. They continue to call each day.