davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been XXXX completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. 

Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. 

Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. 

All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. 

All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than XXXX XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. 

Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. 

All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Consumer complaint received 2023-05-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP (LA)

US Bank acquired my CD when they purchased XXXX XXXX XXXX. US bank renewed my CD without notice for 30 months at 0.05 %. To close the account they now demand a penalty of over {$8000.00}. How can this be legal?
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (MD)

I obtained a credit card from XXXX XXXX ( acct. no. : XXXX XXXX XXXX XXXX ) with a credit limit of {$6000.00} in XX/XX/XXXX. I also added my husband as an " authorized user '' in an attempt of assisting him in establishing credit sometime in XX/XX/XXXX. In turn, Navy Federal insisted that I made him a " joint owner, '' and he or I never signed any agreements stating such, nor did I ever receive the requested agreement. After requesting the original signature for the agreement adding him as an " authorized user '' was made over the phone! Fast forward THREE card renewals later, I was informed by Navy Federal that they were not sending me a renewal card for my usage because, upon reviewing my account, they decided not to send a renewal card because " I was too close to the credit limit. '' Being close to the credit limit was not a problem before when I would pay the balance down more than 60 % of the balance the following month. Although I did not understand their reasoning for not sending me a new credit card, I continued to pay for the debt I had incurred. Once my husband decided to file bankruptcy on XX/XX/XXXX ( discharged XX/XX/XXXX ), he included the Navy Federal " green credit card '' in his bankruptcy since Navy Federal also declared him financially responsible for repayment and removed from HIS credit file but remained on the mobile app and notification of payments due. With my husband filing bankruptcy for this credit card, why am I continuing to make monthly payments and Navy Federal restructuring my loan by readjusting the interest without any notification and making my payments higher?
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Initially reached out to the bureus to do futher investigation for my accounts that has late remarks and they did not respond nor provide any proof that I pair late. 

I asked them to send me proof XXXX  they just ignored me.
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

I am being suited for a debt that is not mine. No member of my family has be treated for any injuries or any medical care at all, outside of an XXXXXXXX XXXX XXXX XXXX. Due to my medical insurance at the time being XXXX, and their in network providers being XXXX explusively. 

According to the complaint on XX/XX/XXXX. I had taken one of my children to be treated at XXXX XXXX XXXX in XXXX Utah. Resulting in a medical charge for a {$720.00}. During this same time I was working for XX/XX/XXXX for theXX/XX/XXXX I was posted at the XXXX XXXX XXXX XXXX, and I was at my post on this same day for 16 hours. During the time the treatment at the hospital supposedly happend. 

I also had the only vehilce we owned with me at work. There was no way for any member of my family to go anywhere without help. Their only way to get to the hospital was to go by ambulence. There is no ambulance charge. This treatment did not happen. This is a zombie account, or faults charges being made. 

The first time on found out about this debt was on XX/XX/XXXX, at XXXXXX/XX/XXXX, I received a summons and complaint that was hand delevered to my front door. 

Prepared by XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX UT, XXXX. ( XXXX ) On behalf of Mountain Land Collections, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. ( XXXX ) XXXX ) The claimed total amount I am being suit for is {$1000.00} including {$180.00} for interest, {$130.00} for Estimated court cost 's, and the original amount of {$720.00}. for a total of {$1000.00}. I am not responsible for this debt. 

On XX/XX/XXXX I prepared an answer and mailed it back through USPS. Well withen the 10 days given on the Summons. I waited 14 days after the answer was sent and called the Fourth District Court Of Utah, in XXXX XXXX, XXXX XXXX XXXX. XXXX. ( XXXX ) XXXX. 

I was told by the clerck I spoke to they had recevied their copy of the answer. I then called XXXX XXXX XXXX Attorney for Plaintiff, and was told by the recepctionist they had not received thier copy of the answer. I obtained emails address from both the attorney and the court 's and emailed the answer a second time on XX/XX/XXXX. 

A court date is scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX Hopefully to resovle this issues finally. The debt is not mine, I strongly belived it was faultsly created. Any assistance resolving this is very much appreciated.
Consumer complaint received 2023-05-16
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. (IL)

The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc. (PA)

I got a letter in the mail from Comenity Capital Bank saying that my " XXXX XXXX Visa Credit card card has not been approved '' but the issue I have with this is I never applied for this card in the first place and I don't trust this bank enough to even give them my information because I have friends who have had very bad experiences with them in the past and call them an out right scam bank and they have very, they commit fraud very often claiming not to receive payments even when they get them so I need help resolving this issue. I DO NOT TRUST THIS BANK 1 BIT!
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I opened a loan with honda financial services on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted Honda financial services today and they said they would not report it. That they removed alot of loans from the bueas due to XXXX  but i was paying on time and had not requested them to do this. They refused to report my payment history for the last 6 years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have tried relentlessly to contact Experian. I have a previous complaint number : XXXX. You have the complaint on file. Experian did attempt to contact me on XX/XX/year> at XXXXXXXX XXXX. I was on the mower at the time. They want to call on their time and if the call is missed, they simply say they attempted with no response. Aside from that, my phone indicated it was possible spam which means I wouldnt have answered it anyway. The caller, XXXX, said they would try again later. I waited all that day and all the following day with my phone by my side not wanting to miss another call. I attempted to return the call from the number XXXX called from and it sent me directly to the same AI that will not transfer me to a live person. XXXX wouldnt even provide a real return call-back number. I have not heard from Experian since. This company is EVIL. I have at least XXXX attempts to create an account and numerous failed attempts to call. Experian has put me at serious financial risk and they DO NOT CARE. 
My next action will be the XXXX XXXX XXXX then my Senator, then a note to the Governor, then Legal Action. If I have to hire an attorney, there will be no turning back after that.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (DC)

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of 12 AFFIRM and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with XXXX XXXX XXXX or 12 AFFIRM. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact XXXX XXXX XXXX but was not successful in getting any additional information and XXXX XXXX XXXX refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a XXXX representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that XXXX XXXX remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.
Consumer complaint received 2023-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have XXXX issued with the credit card company. 

I've made a payment on XX/XX/XXXX at amount of {$360.00}. On XX/XX/XXXX, there is a payment adjustment and the credit card asked me to pay again. I called the customer service but they were unable to show any information the original payment was reversed. I doubled paid the amount. 

Second issue is I have a dispute with a vendor called XXXX XXXX. I've made the payment with alternative method and requested my credit card disputed the {$300.00}. However, the credit card company refused to conduct any investigation and require me to provide billing statement from XXXX XXXX. I've never received any documents showing the required information. Then they shut down the case without any investigation. 

My SSN is XXXX.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My daughter is on my account, and she was contacted by someone claiming to be with Bank of America, where I have my account with. They claimed someone was trying to access our account and take {$3500.00} in another state, so they asked for account information so they could stop this from occurring. My daughter gave the information and they ended up taking {$7000.00} from my account. I attempted to get the fraud department to help me recover my funds, but they said they couldnt help me. It is a lot of money to get scammed out of, so Im looking for help
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 2023-05-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc. (TX)

On one occasion, XX/XX/XXXX, XXXX with Tower Loan in XXXX XXXXXXXX, Texas contacted my son about a small debt and discussed the complete loan details with him. It looks as if they were trying to get him to pay or suggesting that he get me to pay. On a second occasion, XX/XX/XXXX, Tower Loan contacted my daughter-in-law and it also looks as if they were attempting to get her to pay or get me to. In both instances they were doing whatever they could do to damage my credit and my reputation. They may have contacted others but I am not sure. I never gave Tower Loan any information regarding my son and my daughter-in-law. Amounts they claim are owed are primarily late charges and excessive interest which I did not agree to. Obviously, any claim they made in regards to trying to contact me was just an excuse to circumvent the law. I wrote to the office in XXXX XXXXXXXX, Texas and the home office in XXXX, Mississippi requesting complete information on this loan and both have refused me any information. I am XXXX and this harassment and practice of damaging my credit and reputation should not be allowed. I request that you look into this matter and take some action to prevent this company from doing business this way.
Consumer complaint received 2021-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (DE)

I filed a Fraud Affidavit Police report for Identity theft with all three major creditors for XXXX inXX/XX/XXXX. A fraud alert was added to all three credit reports to also include a freeze. 

XXXX sold the loan to NCB Management Services ( XXXX XXXX XXXX XXXX PA XXXX contact number ( XXXX ) XXXX They are reporting on the behalf of XXXX derogatory payments. 

I also reached out to NCB Management Services and explained that a Police Report was already filed inXX/XX/XXXX and that I provided the report to all three major credit bureaus as well. 

I have notified both the Creditor and XXXX that I have been disputed this as Fraud provided police report in XX/XX/XXXX. 

The issue at hand is that XXXX keeps selling the fraudulent account to other Debt Collectors and I keep getting harass about the same Fraudently Activity since XX/XX/XXXX.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX # XXXX Re-Investigating Charge Off {$15000.00} Transunion Whom It May Concern : This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession/ Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a repossession/ Charge Off is XXXX years from the date of the delinquency leading to the repossession/ Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. XXXX. XXXX XXXX XXXX XXXX Reported Charges Off on XXXX Credit Reported and currently is reporting a balance inaccurate reporting. The balance should reflect zeros since the company reported the debt was submitted to the IRS as a losses. Transunion has failed to follow Fair Credit Act in accurate reporting and failed to submit to this consumer information use to verify this debt.