davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be repaired as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (MD)

I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

All three major credit bureaus seem to be reporting the same erroneous information that includes harassing debt collectors that are calling me, however these negative accounts do not belong to me. The results of this has cause my credit score to drop considerably.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX received a cease and desist concerning an account that was improperly and inaccurately reported and closed to my report to assist in harassing and stalking me. The accounts were removed on two different occasions after receiving correspondence concerning the cease and desist order from the attorney. They have begun to try and report it again without my knowledge again the cease and desist order. The accounts need to be removed again from all reports, and they are not authorized to do anything with my credit bureau reports for any reason. I dealt with their unethical business practices once before, and will never use their services again for any reason. My next action is to sue.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Offer of XXXX points if I upgraded to a new credit card. I did, and they only credited me with XXXX. I sent them the offering they sent me 3 times to get this corrected, but they claim that XXXX was the maximum even though I have the offering
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting me as 30 to 60 days past due on an account that has {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NJ)

Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf
Consumer complaint received 2019-02-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY (WA)

American express travel related services company has issued to me a check for {$150.00} on XX/XX/2018. 
I did not cash the check on time, it is expired now. I am trying to get a replacement check. 
I tried to contact A E card : the agents said they have no records or information about this check. 
I then XXXX the AE travel related company phone number and called them, but there was a recording stating that the number is not valid ... 
So I called CFPB and was advised to mail my request to the company directly, if that fails, contact the AE credit card and See if they could help.
Consumer complaint received 2019-02-20
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. (AL)

I have some information on my credit report that I have identified under FCRA 605b as being fraudulent and XXXX  and XXXX. I am a victim of identity theft and have identified the items that should be blocked under FCRA 605b The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Accounts from XXXX XXXX with a balance of {$18000.00} that was opened on XX/XX/2018 Installment loan from XXXX XXXX  with a balance of {$28000.00} that was opened on XX/XX/2018 And inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I have asked the bureaus to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They are willfully not blocking this information thus breaking the law so I am submitting it here so they will be held accountable as well as proof that this information was indeed sent. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2019-02-19
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. (TX)

To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with Experian and XXXX reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for anything
Consumer complaint received 2019-02-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FC HoldCo LLC (NV)

Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (CT)

On XX/XX/XXXX I got a loan from Santander USA for XXXX XXXX for the amount of XXXX and my monthly payments was XXXX a month in XXXX Santander repossessed the car I wrote them numerous of letters that was certified its reporting on my credit that I still owe XXXX if the car was repossessed and the car was probably auction or sold or lease to someone else theres no way that I owe for XXXX if the car was repossessed XXXX years after I got it. Also I got something in the mail from a attorney saying that I will be getting a check because Santander was charging their customers too much money on their cars
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (AL)

On XX/XX/2020, the sheriffs department presented me with a letter stating my wages were being garnished due to an unpaid debt. I had no idea that I had been sued by this law firm, Scott and Associates in XXXX, Al. Also, I was not provided either ability to defend the suit in small claims court because I was never presented with such paperwork.
Consumer complaint received 2023-02-16
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: NRA Group, LLC (TN)

A brief summary ; A third party debt collector, National Recovery Agency, texted me stating I owed an alleged debt. I do not know this business. I asked for validation of debt, they mailed in response a reflection on a statement of an extension of credit which was not made to the obligor. I then mailed back a Notice Of Dispute ; XXXX for XXXX and XXXX XXXX XXXX with a self executing contract. 

I Also have proof of the company violating my consumer rights under the Fair Debt Collection Practices Act 15 USC 1692, and The Fair Credit Billing Act 15 USC 1666.

It has been 30 days since my last mailed letter with no response.
Consumer complaint received 2019-02-19
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: Bull City Financial Solutions, Inc (NC)

Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX   and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX  on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined
Consumer complaint received 2019-02-19
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)

Equifax and XXXX  are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2023-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (IA)

American Education Services has been calling me about my co-signer 's address being invalid. I have always kept my contact information valid, and I have never missed a payment ( approaching 20 years ). 

I told them that I don't have that information and they keep calling. They even went so far as to send a written letter to my wife 's father 's house, which she hasn't lived at for nearly 20 years. My wife isn't the co-signer. I have no idea how they even obtained this information? 

Just today, they called me two times about this matter.

I requested that they stop calling me about this matter. They said they won't stop.
Consumer complaint received 2023-02-16
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. (TX)

I've sent multiple letters to XXXX  XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I keep getting abused with multiple phone calls everyday from XXXX  XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. The contract wasn't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX  XXXX XXXX.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

I wrote a check to a company that provided us a service. This check was intercepted at some point in the USPS mail system and fraudulently endorsed and cash at a XXXX XXXXXXXX in XXXX XXXX. The person who endorsed the check simply wrote " XXXX '' ( For Deposit Only ) and deposited it into their own account. The intended recipient never received the check and confirmed that they did not cash this check. Multiple attempts, including written and signed affidavits, to contact Chase bank on this matter have gone unresolved, and attempts to contact the XXXX XXXX  in XXXX XXXX where the fraud occurred have gone unresolved as well. I discovered that the check was fraudulently cashed on or around XX/XX/2022.
Consumer complaint received 2023-02-16
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. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

Pay Pal and XXXX today XX/XX/XXXX If you sell through XXXX you must use Pal Pal. The Item shipped out XX/XX/XXXX and was delivered XX/XX/XXXX XXXX say the releases payment within 24 hours of delivery. Today is 48 hours from delivery and I still have no funds. Upon calling XXXX they will release in 24 hours. They will ONLY release to Pay Pal who for no reason will only transfer to their own debit card through a clearing house which takes 72 hours. Pay Pal put a hold on the miney as soon as they received the purchase money so they have had use of the funds 11,12,13,14,15,16,17,18,19,20 and then 72 hours longer 21,22,23 So for 13 days they have been earning interest on my money and a billion other XXXX dollars. They will not release any of my funds but if XXXX says we have a bill for {$47.00}. They take my money from a sale through offer up and without delay pay XXXX. Without notice to me. It is ok to pay money I owed. But there is no delay to XXXX. But they have to hold for security my money for 72 hours. They have had cash for 10 days, the buyer has delivery, whos security? Not mine. Not the buyer. Not Pay Pal. It is so they can make another 3 days interest on their investments and billions of other dollars belonging to suckers who use Pay Pal or XXXX. They held my money last week because they have to verify who I am. Even though I opened the account in XXXX. They had to wait until they had money to hold to verify that way they can earn money holding onto my money. Nothing disclosed. They said it is in their user agreement. Every bank or mortgage company or even a pawn shop has tougher full disclosure rules than Pay Pal. I want everyone to stop being ripped off. Money on hold just means we use other peoples money to make money. It should be outlawed!
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC (TX)

ANNUAL PERCENTAGE RATE. The cost of your credit as a yearly rate. 
XXXX % FINANCE CHARGE. The dollar amount the credit will cost you. 
{$2800.00} Amount Financed. The amount of credit provided to you or on your behalf. 
{$20000.00} Total of Payments.The amount you will have paid after you have made all payments as scheduled. 
{$22000.00} Number of Payment ( s ) Amount of Payment ( s ) Payments are due XXXX {$380.00} XX/XX/XXXX On XX/XX/XXXX, I applied at XXXX XXXX to refinance my XXXX XXXX XXXX after leasing for XXXX months. I received the refinance documents from XXXX XXXX with the information above on the balance of {$25000.00} after the end of the lease. I gave a down payment of {$5500.00} with a balance of {$20000.00}. When I received the documents with the Annual Percentage rate of XXXX on the {>= $1,000,000} = {$2800.00} which is stated above in the BMW documents. The right percentage amount should be {$1000.00} and not {$2800.00}. 

If you divide their interest charges of {$2800.00} into XXXX-month payments the result should be {$48.00} of interest on a monthly basis. 

I have been making payments of {$400.00} dollars a month into my account instead of {$380.00} because I would like to pay off as soon as possible. 

Since I started making payments into my account on XX/XX/XXXX, XXXX XXXX had charged to my account higher interest than what it is stated in the documents. Also, I have been making additional payments to apply to the principal. XXXX XXXX as posted into the interest instead into the principal balance. I think that is a wrong entry into my account because my balance should be lower than what it shows now. 

I have contacted XXXX XXXX on various occasions because of the same reason, too higher interest charged and my extra payments it is not applied toward the principal. The Financial Representative stated that BMW collected their interest in advance which Is wrong because the balance will be higher than what is supposed to be on a monthly basis. Another Rep told me that XXXX collected the interest on a daily basis of {$290.00} which I was not aware of. That it is not in the document I signed. 

Please see the attachment of the payment stub so you can see the payments made since XX/XX/XXXX -XX/XX/XXXX because of the two payments in XX/XX/XXXX, I misplaced.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NV)

JMPCB Card was opened without my knowledge in the amount of {$17000.00}. 
XXXX XXXX also opened a credit card without my knowledge in the amount of {$1600.00}.