davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX  XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX  XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

Hello, I just received a notice from chase that my CL on my chase freedom account was decreased from {$3500.00} to {$1200.00}. I am very confused as to why this happened. I recently made a payment of {$2500.00} which brought me down to {$850.00} which also brought my itilization down. I called the XXXX number and was told in order to possibly reinstate the limit there would be a hard pull on my credit report which i find to be not only unfair but very detrimental to my credit score. I have never missed a payment, i always paid on time and i have been banking with chase for several years. I would like to get it reinstated if not i may consider just canceling this card.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Company refuses to unblock account. 
This is a dead loan. 
This company illegally bought the dead loan. 
Company continues to notify via mail to ex husband and grown children who no longer live here. 
Harassing daily with phone calls and letters Company needs to quit illegally foreclosing and trying to auction home this is the XXXX time in XXXX  years and judge has found in my favor every time we have been to court. 
I am XXXX and now have a XXXX son. 
Illegally trying to modify and change loan that was already in place.
Consumer complaint received 2018-09-13
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. (TX)

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the XXXX  are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.
Consumer complaint received 2018-09-13
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. (TX)

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Consumer complaint received 2018-10-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Debt Management Solutions, LLC (VA)

This is a debt from XX/XX/2011in which I returned a vehicle because I could no longer pay XXXX XXXX because the car was a lemon but I continued to pay for it until it broke down and I returned it to company voluntary. It was Sold to this company XXXX XXXX XXXX XXXX  who harassed me in the past stating I owed them XXXX. Because car didn't sell at auction for a good price and I had to pay balance. I bought the car for XXXX and had for over 3 years before giving it back. I did not owe what they're saying and had been paying them for 4 years XXXX a month and they are still saying I owe XXXX with crazy finance charges. I have never been given documents regarding the sell of vehicle or what was owed from sell. My understanding the original company write it off as bad debt and this company bought it. I don't believe I owe them that amount. The statute of limitations has long passed because it's a debt the last payment made to the original company was XX/XX/2011. I have asked them to stop calling my job and they continue to harass and leave messages with my coworkers and main answer in machine. I would like to be contacted by mail with proof I really owe them after being harassed to pay them for the last four years but never got proof it's legit.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Trade, Inc. (CA)

During my purchase of my home in 2017 I had a collection from XXXX XXXX from XX/XX/XXXX Acct # XXXX I paid it in full and received a letter from Commercial Trade INC stating it was paid and removed, shortly after CTB added a new account from XXXX XXXX effective XX/XX/2017 a month after I paid my account. The new amount is for {$1500.00} stating I owe more. I have proof on my credit reports and the letter that I never owed CTB or XXXX XXXX  this amount and that my collections from them was paid and removed. I tried to talk to CTB several times they have belittled my requests and hung up on me.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express failed to return the fund that I paid to an archived Amex XXXX credit card account that has been inactive with {$0.00} balance since XXXX The payment was made on XX/XX/XXXX in the amount of US {$1300.00}. I have a proof of payment for the transaction ( attached ). And I have a recording of the Amex automated telephone system confirming that Amex received and processed the payment in the amount of {$1300.00} in this account on XXXX XXXX XXXX 

Payee account number : XXXX Amount : {$1300.00} Trace number : XXXX Transaction ID : XXXX Sent on : XXXX  Payment effective date : XX/XX/XXXX Payment processed and posted by Amex on : XXXX  ( I have a recording of account payment history by Amex confirming this ) However, despite repeated calls to Amex card customer service to have them return the payment to me, I was given the run-around by the agents. The first Amex agent told me to contact XXXXXXXX XXXX  to recover the fund. XXXX told me Amex no longer transfers the fund paid into the archived Amex account to XXXX. The second Amex agent I called told me internal bank procedure stipulates the fund should be released and returned to originator within 14 business days, and advised me to call back Amex on XX/XX/XXXX to raise an escalation to have the fund returned, if I do not receive the fund back by XX/XX/XXXX. The fund has not been returned by that date, so I called Amex to raise an escalation. The 3rd Amex agent said he can not raise an escalation to return the fund until 60 days has passed. Today, more than 3 weeks after that payment, Amex still is holding my money illegally.
Consumer complaint received 2023-09-29
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. (NJ)

Ive been trying to get these fraudulent accounts off of my credit report for over a year. I have contacted the bureaus and did exactly what they told me to do, but they refuse to remove them.
Consumer complaint received 2018-10-17
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. (AZ)

My XXXX XXXX XXXX account # : XXXX, dont have a balance of {$230.00}. I currently have a balance of {$0.00}, My XXXX DC # : XXXX, dont have a balance of {$290.00}. I currently have a balance of {$0.00}. The following credit inquiries are fraudulent, unauthorized and not mine : XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2019-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (DE)

I dont owe any money to XXXX. I left them months ago with a XXXX  balance. I left at the end of my contract with everything paid off. I keep getting calls constantly and its getting old. Please stop trying to collect something I dont  owe.
Consumer complaint received 2019-01-07
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: Credit Karma (GA)

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72  months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 1st Franklin Financial Corporation (TX)

XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at XXXX.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2018 I sent Diversified Consultant a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. Diversified Consultant Responded by sending me Itemized list of alleged charges they claim I owe and not what I ask to validate the debt. Diversified Consultant sent me a letter claiming they contacted the creditor and confirmed the data is correct. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. In my validation of debt letter with this company I ask for specific. The amount of debt ; Please provide me a verification of judgement if any ; Proof that they are licensed to collect debts in my state, and other specifics they could not or would not provide. I also notice Diversified Consultant was still reporting a collection on my credit report with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I called this company again to complain that this collection does not look like its mine but that continue to give me the run around. I have documented all conversation and my letters I have sent them and the credit bureaus. If this company continues to report this miss leading information than will leave me no choice but to seek legal advise.
Consumer complaint received 2023-11-01
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX5 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-07-24
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

Facts : I currently have a Total Balance of {$120000.00} for all federal loans. 
Direct Sub Consolidation Loan - {$67000.00} Direct Unsub Consolidation Ln - {$51000.00} I have incurred significant negative amortization on my federal student loans since enrolling in this program. I would not have incurred such negative amortization if I were in enrolled in other payment plans or programs. I am now forced to deal with this scenario and committed ( due to the negative amortization I have incurred ) to following through with Public Service Loan Forgiveness ( PSLF ). This means that calculating my Qualifying Payments Made is essential and critical. My current Qualifying Payments Made is showing zero [ 0 ] qualifying payment made as of XX/XX/XXXX. If this is not resolved reasonably I will be left with only the option of suing, which is a further burden to myself ( never mind trying to locate an attorney who will take my case ). I strongly believe this is malicious and intentional activity on the part of XXXX XXXX to defraud public servants like myself who have enrolled in this program. 

On XX/XX/XXXX I became full-time employed with a state agency of the State of Texas ( that is a qualifying employer for PSLF ). 

XX/XX/XXXX my federal consolidated and unconsolidated loans were transferred to XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX via their upload file communication, and mail. I sent a letter communicating the total number of Qualifying Payments Made is shown as zero [ 0 ]. 

I also called in XX/XX/XXXX and XXXX XXXX indicated they had a copy of my Employment Certification Form ( PSLF ). They said that it would take 90 days to calculate my qualifying payments made. As of XX/XX/XXXX this calculation has not been done. 

XX/XX/XXXX I uploaded and mailed a letter to XXXX XXXX that had a copy of my Employment Certification Form ( PSLF ) signed and dated by my employer 's human resources representative on XX/XX/XXXX. 

On XX/XX/XXXX I notified XXXX XXXX via mail and upload option from my account that my Qualifying Payments Made was still showing zero [ 0 ]. I also let them know if this was not resolved by XX/XX/XXXX I would retain an attorney. 

On XXXX I contacted XXXX XXXX at XXXX, and asked what was taking so long. I was informed that my qualifying payments had not yet been calculated and it would require the representative to submit an inquiry that would take 6 to 12 months to resolve as to why this had occurred or to calculate Qualifying Payments Made going back to XX/XX/XXXX. I let them know that was absurd and asked for their legal department and they said they did not have one. I confirmed the PO Box mailing address and said I'd send my notices to that address. It is absurd that I have to deal with this kind egregious and notorious behavior to deter, or otherwise engage in action that would not document my public service properly.
Consumer complaint received 2018-10-17
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. (HI)

I have tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Unifin Inc. (CA)

XXXX added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by XXXX. I filed a dispute for XXXX accounts for the same creditor. XXXX removed XXXX account from my credit report but failed to remove XXXX additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait XXXX more days.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.