davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UMB FINANCIAL CORPORATION (MA)

I am complaining about : " XXXX XXXX XXXXXXXX '' credit card, formerly XXXXXXXX XXXX, now XXXX BANK XXXX want resolved : negative reporting on credit card, never can get access to online account at all. 
On my birthday in XXXX, I got the shock of my life when I found out I was a victim of a credit card breach on XX/XX/XXXX stemming from the XXXX XXXX breach. My credit card was used for XXXX plus at XXXX XXXX and I didn't pay the card that month as I was working with the credit card to dispute this fraudulent charge. I was able to get the charge disputed and dropped because of extensive research, getting photos of who did it thanks to XXXX XXXX loss prevention and a police report, but to this day the account IS REPORTED NEGATIVE because I did not make thXXXX XXXX  payment and missed. I have had this credit card for almost 10 years. They also will not increase my card usage. I did have a problem with a rental car place also in XXXX, and they overcharged my credit card. As a result, this further made me again be reported as negative. I also sent in a payment for XXXX lately and they claimed they did not receive it. They want to charge me a late fee and I have never been late in all the 10 years. My credit card now goes through as " unauthorized '' and I can no longer use the card. I have been contacting them and calling them for years, only to be told the negative is " fake '' and that it is a scam " to get me to pay to get a negative removed off my credit card '' to the credit bureaus. I have had people tell me all sorts of things here. What can I do?
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (CA)

Source Receivables Mgt., account no.XXXX  has been placed on my XXXX file and my XXXX file and may appear shortly on my XXXX file.The collection account is for original creditor XXXX.This debt was previously owned by XXXX XXXX ( CFPB COMPLAINT # XXXX ), and after them by XXXX XXXX ( CFPB COMPLAINTS XXXX,XXXX,XXXX ). 
ALL COMPLAINTS DESCRIBED THE FRAUD OF THE ORIGINAL CREDITOR XXXX and all disputes ended in deletion for that fraud ( will attach my story with XXXX here ). 
In Addition it is commonly known that even today XXXX services do not function in XXXX XXXX for the lack of sufficient cell towers to provide adequate service. 
Some attorney could do well with a class action for selling phones and service that do not work.Call any Realtor in the 8 cities of XXXX XXXX to ask about cell service..not any of them will have XXXX because realtors can't put up with interference and dropped calls.
Consumer complaint received 2017-08-12
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. (FL)

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about EQUIFAX , INC . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Consumer complaint received 2018-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

on or about XX/XX/2018 i was trying to obtain a small personal loan i answered what seemed to be a professional ad i was going through the process like normal on the phone with the company after most of the transaction was complete and my account info was given for a deposit to be made via ach method which i know is common they had all of the sudden asked for what they called an insurance payment to be sent i immediately told them no and wanted nothing more to do with their company as this was a red flag i then looked at my account and noticed several payment i had made prior had been disputed and put as a credit in my account there was a credit card payment car insurance payments and even a withdraw from an actual chase atm at my branch concerned i raced to chase bank and closed my account with a manager and told her what was happening these crooks were able to dispute XXXX dollars in payments i had previously made and withdraw all of it from my account this is a clear case of fraud as i know and was told by several chase branch managers but after working with the fraud department at chase they are not refunding the money that was stolen the did give a temporary credit which i used to repay my bills that had been reversed after a few weeks they told me i was responsible for the amount stolen this is an outrage and very unprofessional i sent all they asked for and they still will not credit my account i just dont understand i also think some one at chase is working directly with the criminals and i told chase that as well i have no idea how they can be so negligent and allow my account to be compromised in this way the way the fraud department is handling this matter was even a shock to chase management themselves they all noticed a clear case of fraud there is even a charge for a currency exchange thamk you for all your help as i have nowhere else to turn
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

In XX/XX/2018, Nelnet changed their policies regarding how payments are applied. They now apply 100 % of every payment to the Group ( A ) with the highest balance. This means Group B never has a payment posted to it. I have to call every month and ask that they reapply the payment to both Groups A and B. I have submitted six complaints to Nelnet. Their initial reply was in XX/XX/2018 in the form of email and hard copy letter promising to apply my payment to both Groups. Leaving Group B 'unpaid ' results in interest accruing at amounts higher than the monthly payment plus interest accruing on top of interest ; thereby, making it nearly impossible to pay off the balance at a later date. Also, Nelnet automatically places 'unpaid ' debt into deferment or forbearance without approval from the borrower. They've done this to me in the past when misapplying another payment. I last spoke with Nelnet in  the beginning of XX/XX/2018and the man on the phone denied everything. He denied that Nelnet places loans into auto deferment and forbearance. Then he said that the special instructions regarding payment application on my account was not noted properly and it takes them two weeks to manually adjust my account. This phone call was 30 days ago and I'm still waiting for them to re-apply the payment correctly.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This situation mirrors the other Complaint I have submitted through you on XXXX. As shown Through XXXX XXXX My Transunion reporting of my Credit Score of XXXX as excellent on XX/XX/XXXX then on XX/XX/XXXX it dropped to XXXX as fair and remains there today. 
There are no late payments and no adverse remarks posted for any reason showing why score has changed. The only article listed is that XXXX XXXX cancelled my XXXX Viza card, as they did for a multitude of card holders with XXXX XXXX, to a new card which I received and activated with the new XXXX XXXX Mastercard through XXXXXXXX XXXX. I have made several inquires and Transunion gave me no reason why the change occurred. I contacted XXXX XXXX to no avail and both XXXX XXXX and XXXXXXXX XXXX again to no avail. The change was done by XXXX XXXX and was no reflection of any negative remarks or actions on my behalf. I have had the XXXX XXXXXXXX visa for over 9 years without any late payments as the recorded by XXXX XXXX visa XXXXXXXX XXXX This action by Transunion was done for no reason and with one stroke of  the keyboard has affected my credit scores by a drop of 132 points. 
XXXX XXXX.
Consumer complaint received 2018-07-08
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: Experian Information Solutions Inc. (NY)

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. I contacted XXXXXXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXXXXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter, XXXX XXXX XXXX
Consumer complaint received 2017-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.
Consumer complaint received 2018-07-08
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: Diversified Consultants, Inc. (NJ)

Company # 1 : Diversified Consultants , Inc . 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : Diversified Consultants , Inc . Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. This is an error.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MO)

I reported that my card was lost or stolen to the bank. After I received new card, I encountered new charges. Also I was given provisional credit and was charged back {$110.00}. As a result of all of this I was charged {$160.00} in overdraft fees. I reported this to the company but nothing was done and neither I was contacted by the company.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below 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 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. Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}. 

This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX  Medical Center in XXXX, XXXX, in XX/XX/XXXX. 

I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card. 

Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did. 

I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit. 

I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report. 

No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled. 

Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there. 

That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX. 

I do not owe XXXX {$580.00}. XXXX XXXX XXXX  should be required to remove this remark from my XXXX  credit report and from any other credit report they have attached it to.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX
Consumer complaint received 2018-07-08
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: Experian Information Solutions Inc. (MS)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. 

Please resolve this manner as soon as possible. 

Thank You.
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was pre approved by XXXX XXXX auto loan when shopping online for a vehicle. I found a 2014 XXXX XXXX at XXXX XXXX  XXXX schedule a test drive for XX/XX/XXXX at XXXX when i arrived i informed that I was pre approved for an auto loan with XXXX  XXXX auto finance and i wanted to follow through to see the APR. He then explained that XXXX was running a special offer and I explained that didn't want my credit ran through multiple creditors he can back with 2 offers one for XXXX  XXXX and the offer from Ally whom I believe to be an XXXX lender. I didn't not authorized any other creditors Nor did I have any knowledge of my credit be submitted through any lender besides XXXX XXXX AND XXXX.
Consumer complaint received 2018-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

My own son did a lot of Dammage by knowing my name address age and soc.Securiry # XXXX. I can't trust the WEB. site However I have all this infomation now for you to save me. 


Original creditor : CAPITAL ONE BANK USA N A Overview You've paid off 0 % of your collection amount. 
Balance {$470.00} Highest Balance {$470.00} Opened XX/XX/2015 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name CAPITAL ONE BANK USA N A See an error? 
You could dispute an error with XXXX. 

GO TO XXXX  Creditor Information XXXX XXXX XXXX