davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a 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 2023-03-13
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IN)

I have Experian boost as a settlement for XXXX 's data breach. I am unable to access my account. It says the password is incorrect. Password reset will not complete without error.It says to " try again later '' This has been a problem for months. Experian has no contact to correct this issue. The phone number only tells you to follow the website instructions. They refuse to provide access to a person. There is no email for contacting a human. I am confined to a automated phone service that is awful and incapable of providing relief. 

This service is normally ~ {$25.00} a month and they provide NO CUSTOMER service to fix problems.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My credit file has been locked on ALL XXXX Credit Bureaus due to my information found on the Dark Web and several company breaches ( SSN, Drivers License, DOB everything has been stolen ). On XX/XX/XXXX, I unlocked my credit on Experian website to apply for a credit card and I requested it to be relocked the following day, XX/XX/XXXX. Today while monitoring my XXXX XXXX account for unauthorized charges, I noticed a pending charge of {$27.00} from Experian, I immediately log into my FREE Experian account to see what the charge was for, it was was their membership, which I DID NOT authorize. I immediately cancelled this SCAM membership. While exploring the membership, I noticed Experian signed me up for this SCAM because it said my account was locked on XX/XX/XXXX. Apparently when I request to relock it, they charged me for it. WTH! I DID NOT AUTHORIZE EXPERIAN, WHO ACCESSED MY CREDIT CARD FROM MY REPORT WITHOUT MY CONSENT. I HAD A FREE MEMBERSHIP AND I DO NOT USE ACTUAL MY CAPITAL XXXX CARD NUMBER ONLINE, I USE VERTIAL CARD NUMBERS TO PREVENT UNAUTHORIZED CHARGES. EXPERIAN TOOK IT UPON XXXX TO SELECT THIS CARD FROM MY REPORT AND CHARGE ME FOR THIS MEMBERSHIP, THIS IS THE ONLY REASONABLE EXPLANATION AS TO HOW THEY WERE ABLE TO GET ACCESS TO THIS CARD. NOT ONLY THAT, WHILE EXPLORING THIS SCAM MEMBERSHIP WHICH COMSUMERS ARE APPARENTLY SUPPOSE TO VIEW ALL XXXX CREDIT XXXX SCORES, WELL, MY XXXX AND XXXX XXXX SCORES WERE FROM XXXX. SCAM! I DONT NEED TO PAY A MEMBERSHIP TO VIEW MY XXXX SCORES BECAUSE I RECEIVE A FREE XXXX SCORE FROM EXPERIAN AND I RECIEVE A FREE TRANSUNTION XXXX SCORE FROM MY DISCOVERY CREDIT CARD. I ALREADY PAY A MONTHLY FEE TO A CREDIT MONITORING COMPANY TO MONITOR MY CREDIT, DARK WEB, BANK ACCOUNTS, CREDIT CARD AND I RECEIVE FREE COMPLIMENTARY CREDIT MONITORING FROM EXPERIAN DUE TO EXPOSURE OF MY PERSONAL INFORMATION, SO WHY WOULD I CHOOSE TO PAY AN ADDITION {$27.00}. EXPERIAN SITE IS A SCAM AND MISUSES CONSUMERS CREDIT CARD, AT LEAST MINE, WITHOUT CONSENT FOR THEIR OWN BENEFIT. EXPERIAN NEEDS TO REFUND MY {$27.00} AND REMOVE MY CREDIT CARD FROM THEIR STORED SERVER OR WHEREEVER! IF THEIR SITE IS HACKED MY CREDIT CARD WILL BE STOLEN AND EXPOSED ON THE DARK WEB. WHO DOES EXPERIAN THINK THEY ARE!!!! I CANT BELIEVE THEY STOLE MY CREDIT CARD, THIS SHOULD BE A CRIME. I DIDNT PAY TO LOCK MY CREDIT SO WHY THE HECK WOULD YOU CHARGE ME {$27.00} TO LOCK IT BACK? I HAVE UNLOCKED AND RELOCKED BEFOR AND WASN'T CHARGED OR MY CREDIT CARD STOLEN TO LOCK IT BACK.
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

Diversified placed an adverse report on my Transunion credit report. I dispute that any amount was ever owed. Nevertheless I paid it to get it off my report. However, Diversified still reports it unpaid.DIVERSIFIED CONSULTNTS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated ; Remarks. Here is how this account appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} DateUpdated : XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX Pay Status :
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

To Whom It May Concern : On the fourteenth day of XXXX, XXXX, I entered into a verbal agreement with Navient to provide me with a specialized one month forbearance plan for my private student loan, if I were to enroll in AutoPay. The representative proceeded to read me the guidelines and policies of the agreement over the phone, and asked me to verbally agree to them in order to enroll in this one month forbearance agreement. I agreed over the phone and was informed that for the month of XXXX, I would NOT have to submit a payment to Navient. That by enrolling in the XXXX, it would bump the XXXX payment out, and Id be responsible for resuming payments starting back in the month of XXXX. One week later, I received a correspondence from Navient ( via email ) that the Forbearance was not approved because I am enrolled in their rate reduction program, and that program does not allow any form of forbearance. I immediately was confused and highly frustrated as I was just informed by the representative one week prior that my forbearance was approved and I would not be responsible for a XXXX payment. All that Navient did was apologize for the misunderstanding but they are no longer sticking by the verbal agreement made between myself and Navient on XXXX. Instead, they are requiring me to pay for the month of XXXX. When I called to complain about this in XXXX, I requested to have the audio sent to me of the conversation had between myself and their rep, so that I can prove that we entered an agreement over the phone, they denied me of that audio stating that its their property and they arent allowed to share it. They also never sent the approval letter of the one month forbearance so I have no record of the agreement besides from the phone call. However they sent the denial letter one week letter, what a coincidence. Needless to say, I should not be responsible for the XXXX payment. Regardless of whether it was miscommunicated or not, they had an internal communications error that I now have to be responsible for. On top of this, Ive asked countless times how I can go about getting my co-signer released from my account, and to no avail, they are never able to offer me any options. Instead they say that there arent any options, that the co-signer has to stay on for the life of the loan. I just find that very odd, and very hard to believe. I would like my co-signer released so that Im the only one contacted and responsible for all things dealing with my Navient account, no one else.
Navient has had a poor history of countless accounting errors, miscommunicating policies and providing unrealistic options to its consumers and Ive had enough of letting them get away with it. Please help me get this resolved! XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently learned that I have been making double tax payments on my property every year since I purchased my home in XXXX. I receive annual tax bills from XXXX XXXX and pay them while making monthly tax payments through my escrow account with my mortgage company- Bank of America XXXX I have never been refunded for my duplicate payments. 

I have tried to get a resolution through Bank of America but I keep being transferred to endless automated systems. I have tried to reach out to XXXX XXXX but their automated systems error out or put me in a continues dead end loop. I can't get anyone live.
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Back in XX/XX/2023, I cancelled XXXX XXXX insurance to switch over to XXXX. I called XXXX XXXX company to informed them about my cancellation. I also logged into the website and cancelled the policy in my account. However, XXXX XXXX did not cancel my policy but they let my policy remain active until XXXX. Then they charged me for around XXXX dollar for service during XXXX, XXXX, and XXXX. I made it clear with them when I cancelled my policy is that I don't need it anymore. I wanted to cancel it. They did not cancel it for me and now they say I owe them for service during those months. They even send debt collector after me for something I did not owe them. I really made it clear that I wanted to cancel my policy because I switched over to XXXX and I have my insurance policy with XXXX from XX/XX/2023 as my proof of story. 

As you can see from the attached documents, I moved to another state in XXXX and started a new insurance in the new place. I never needed to renew with XXXX XXXX. However, they did not cancel for me when I contacted them. They let the policy remain active for a time and charged me for the service I never requested. This is unethical. Please help me with resolving this issue. 

Please help me resolve this issue and stop this unethical practice of XXXX XXXX company.
Consumer complaint received 2023-11-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (KS)

I contacted the company 's number listed and they explained to me that they are basically a negotiator with a debt company and did not have an acct trying to collect on from me. I have no knowledge of a XXXX XXXX acct In my name
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I had made a deal with a self owned company, XXXX XXXX, through an app called XXXX. It was for a purchase of a XXXX XXXX, under the computer and electronics category. He had the item listed for either shipping or pick-up. For convenience, I had asked him to ship the product and he promised that it would ship to my address within XXXX days. He requested the payment through XXXX and the total was {$1100.00}. His name under XXXX is XXXX XXXX with the phone number, ( XXXX ) XXXX. After I had sent him the money, he told me he would ship the item on Monday since Sunday theres no mail. On XXXX, he messaged me that he had shipped out the item but after that he never responded to my messages. I had researched more about this so called company and have discovered that many have fallen victim to his scams. I do have proof of other people being scammed by the same person. This is now considered a fraudulent transaction. I have learned that banks are suppose to help reverse transactions if it is due to scams and/or frauds as of XXXX. I had made a phone call to my bank on XX/XX/XXXX about this fraud and they did nothing to help me. To my knowledge, banks are now required to help recover finances if proven to be a scam or fraud.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

Tried XXXX XXXX, would work. Tried money gram. They require uploading a picture of the state ID. What does one do without a camera? 

It's galling Moneygram collects all this personal information, including credit card CCV and date of birth, and doesn't tell us that the process is for nought, other than getting personal information. 
At the very least, at the onset Moneygram should let all know what the requirements are, before requiring personal information. I also don't have a phone, so what does one do? 

Date : XX/XX/2018 Authorization # : XXXX ( used for tracking only )
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (CA)

Recently I had a {$2000.00} collection From Commercial Trade Inc/ XXXX XXXX post to my XXXX credit bureau XXXX When Commercial Trade first contacted me in XX/XX/XXXX I sent them a letter disputing this action and received no communication back. My contract with XXXX XXXX and XXXX XXXX XXXX XXXX was canceled 3 years ago. XXXX XXXX agreed not only to cancel my contract but multiple other contracts in my presence. He received the letter of cancelation he ask me for on XX/XX/XXXX. XXXX XXXX was supposed to send me a digital or hard copy of the canceled contract that he should have in his files. I would caution your company that this appears to be a fraudulent claim. XXXX XXXX continued to charge his customers after he was in breach of our contract and assured us that he would not purse enforcement of any canceled contracts if we didn't pursue repayments of the over payments made to his company during the covid lockdown. He has not attempted to serve me with any Late Bills or Invoices and have not had any contact with him since XX/XX/XXXX in regards to any debts. I look forward to getting this resolved thank you for your consideration.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

Received credit alert that a paid debt was submitted to the credit bureaus as not paid. Called the company and explained debt WAS paid. Employees are angry and rude and have nothing else better to do than harass people.
Consumer complaint received 2023-11-26
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I am having problems with my Macys credit card account number ending XXXX on monthly interest charge. I contact the customer service and try explaining that I was over charge finance charges on my account they hang up the phone on me. Previously in XXXX I had more balance and paid less finance charges. I strongly believed that these companies are ripping off innocent people who dont check their account on regular basis. I kindly ask to open an investigation on this matter as soon as possible. Thank you.