davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (IL)

I opened a personal checking account with Axos bank at the same time that I registered a sole proprietorship and wanted to use this account to receive payments. The Axos website says that while they recommend it, there is no legal requirement to create a separate business checking account as a sole proprietorship is legally just an individual under a business name. This is also what my accountant told me and I don't want an unnecessary business account. 

On XX/XX/XXXX when my first payments arrived for my new business I got an email from Axos Bank stating that they can not accept payments made to me under my business name. 

I attempted to explain the issue by emailing them, calling them, and sending them messages through their online portal. I asked if I could add my business name and offered to provide them with my EIN. 

Despite that, they have returned my most recent payments to the sender. I tried every reasonable option to remedy the situation with them but their representatives would not allow me to add my business name, or have a supervisor return my call, or even return my email. 

In a moment of weakness, I even agreed to accept one of their foisted business accounts via their online message portal but they still wouldn't call me back or help me in any way. not even on XXXX. 

Axos emailed me again on XX/XX/XXXX after the payments I told them were coming had arrived to tell me that they were going to close my account due to 3rd party transactions. I had spent the intervening week trying to resolve the issue but it is not possible. 

When I called no rep is able to help me and they can only refer me to a supervisor but the supervisor doesn't call me back. They have completely closed off any reasonable avenue of resolving this issue or getting my funds.
Consumer complaint received 2021-06-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NC)

XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I currently have a jumbo 30 year fixed mortgage with JP Morgan Chase. As part of CHase 's Home Lending Retention Program, where JP Morgan was evaluating my loan for a refinance, I was asked to pay a deposit/good faith funds of {$500.00} on XX/XX/XXXX. JP Morgan granted me an automatic rate cut, which ended the refinance process. However, they did not refund my {$500.00}. On XX/XX/XXXX, I received a check for {$500.00} and a letter notifying me that they did not return the funds appropriately. However, the check did not include any type of compensation for the fact that I could have used that {$500.00} during the year they held my funds ( or from the period they should have returned it to me to XX/XX/XXXX ) to earn interest in the stock market, CD, or other investment bearing asset. JP Morgan was earning interest on my funds, but did not return that in the refund check they issued.
Consumer complaint received 2021-06-08
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. (OH)

On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I request a credit report from a different bureau every 4 months. I was unable to receive one from Equifax. On XX/XX/2021 I sent a letter to XXXX XXXX at the address listed on your " contact us '' web page explaining this issue. This letter was returned as undeliverable. The Post Office confirmed to me in person that this address does not exist. Please view attached documents for detail.
Consumer complaint received 2023-01-03
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. (CT)

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, XXXX, Transunion is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TN)

I had a credit builder account with the company Chime. One day I was going on a trip and booked an XXXX with my credit builder account for my first portion of payment for my XXXX. The credit builder account for Chime was XXXX. It messed up my credit a lot. I close my credit builder account a few weeks later. I paid the rest of my XXXX with my regular chime checking account because i closed my credit builder. my XXXX host unfortunately canceled my reservation. the first portion of my funds that was paid to reserve XXXX ( {$92.00} ) was refunded to my CLOSED credit builder account. I reached out to chime since XX/XX/XXXX ( exact date when XXXX refunded my money to my credit builder ) for about four months ( last outreach was today XX/XX/23 ) they gave me the runarounds for my money. First they kept telling me that it was already refunded, and that I had already received it after me repeatedly telling them that the funds are on my closed credit builder account. They closed my dispute after I kept repeatedly asking for an update on my funds, and where my funds were. Once they were finally able to see that the funds were on my closed credit builder account, they kept telling me that I would receive a check. I have reached out several times in regards to this check and still not receiving a check in the mail. I literally just want my refund.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-08-15
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: CREDIT ACCEPTANCE CORPORATION (OH)

On XXXX the XXXX these appeared on my credit report by XXXX XXXX which, XXXX XXXX was removed from my report and all of these stayed on, I did not authorize or talk to these company at all for any financing so please remove them from my credit report as well. Lately I have had a lot of companies jumping on my credit report without and authorization from me. All of these companies appeared on my account the same day XXXX the XXXX XXXX CREDIT ACCEPT CORP/CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX  ACCOUNT # XXXX RE : Validation Required XXXX  XXXX, XXXX Re : Account # XXXX To Whom It XXXX Concern, EXPERIAN, XXXX, XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state OHIO. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX please attachments, thanks
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

A DEBT THAT PREVIOSLY WAS DELETED  FROM XXXX  BECAUSE ITS NOT MINES WAS THEN SOLD TO LVNV FUNDING LLC THATS NOT MINE! XXXX LAW S ARE BEING BROKEN 15-1681 (I) (A) (c) (f) -  15-1681 (s)2 (b) - 15-1681 (B)! I SPOKE TO THIS COMPANY  ASKING FOR ORIGINAL VERIFICATION OF DEBT THEY REFUSED ! THIS IS A DIRECT VIOLATION OF THE LAW! IM PREPARED FOR LITIGATION IF THIS ISNT SOLVED! ALSO COMPANY SENDING MAIL FROM XXXX XXXX XXXX XXXX XXXX. WHEN IT ISN'T LOCATED THERE THIS IS FRAUD AND ITS WRONG!
Consumer complaint received 2021-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (TX)

For the past month, I've been trying to resolve my past due loans with Salle Mae. According to each rep that I've spoken to, my application for a deferment was approved after I paid the {$100.00} good faith payment ( twice ). But, despite this, the deferment has not been processed on my account so I'm about to go into collections. I just spoke to Sallie Mae once more on XX/XX/XXXX and they admitted to me that they saw all of the notes on my account showing that my forebearance was in fact approved with a confirmation number of # XXXX. On this XX/XX/XXXX call, the representative I spoke to admitted that if my account did get reported to the credit bureaus then Sallie Mae would remove it because the error is theirs. I am worried nonetheless because every single time I've called them ( once a week ) the representative that I've spoken to has advised me that my account would be ok and it would just be a few more days until my forebearance processed. 

Further call details below : XX/XX/XXXX : I called to ask about repayment options and applied for a forebearance. Paid the {$100.00} good faith payment and was told my account would be current in 3-5 business days. 

XX/XX/XXXX : I noticed that I was still getting urgent past due emails so I called again to check in on my forebearance. The agent that I spoke to had me re-apply, pay another {$100.00} good faith payment, and informed me that my application would be approved because he was the one approving it now. 

XXXX : I received a voicemail from a Sallie Mae agent named XXXX who advised me to call her to remedy my account. When I called her back, she said the forebearance wasn't reflected on my account but she did see it in my notes but wasn't sure why my account was still in collections. She told me she would call me back after escalating it for immediate approval to her manager. 

XXXX : XXXX still hadn't called me back so I decided to reach back out to Sallie Mae. I spoke to a new agent who informed me that XXXX did escalate the case to her manager ( according to the notes ) and my forebearance was approved. She said there was a backlog due to the XXXX XXXX holiday but my forebearance would be reflected in my account by Monday or Tuesday. 

XXXX : My account still hasn't been updated so I reached back out to Sallie Mae. The agent I spoke to reviewed my account, saw all of the notes, and escalated the issue to her XXXX. Her manager had her put in yet another forebearance application. She told me that the error was on Sallie Mae 's part so if my account was reported to the credit bureaus then they'd remove it. 

I have no tried to remedy this situation for weeks on end and keep getting told the same thing. I'm not sure how to proceed forward now that my trust for Sallie Mae 's ability to handle my case has dwindled from this experience. I've made every effort and have spent so much time on the phone with them to remedy the issue to no avail.
Consumer complaint received 2021-06-08
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: National Credit Adjusters, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

Submitted investigation on XX/XX/2021 no updates, no investigation, no information given from collection agencies as well. I don't have contracts or recall any of these companies and violates multiple laws including FCRA, no sign of investigation and information given in 30-60 days. 15 USC 1692fg - Why would you add these accounts and not provide NO information on these accounts. I NEVER gave permission and this is MY credit report you're adding information about ME on.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have written to XXXX XXXX numerous times to notify them that I am not aware of this debt and asked them to remove it. Their response was to turn it over to a collection agency. I do not owe this debt. Please provide a contract with a wet signature. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$800.00} You're using XXXX % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment -- Payment status -- Amount past due {$1100.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Charge account Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

U.S auto sales sold me a car XXXX of XXXX. Ive been paying every 2 weeks and never missed a payment. Ive put in over {$14000.00} into payments for the XXXX XXXX XXXX. West Lake says I owe XXXX more for the car. My XXXX  tags lien holder is us auto sales. It is not west lake. They do not have rights to the car. Even if I pay the car off I wouldnt be able to get the title. if US auto sales filed bankruptcy I havent received the titular or anything for the car. West lake is a debt collector and Ive given them {$600.00} after I found out that my XXXX lien holder is still US auto sales. Someone needs to give me a title or give me my money back. The car was {$18000.00} how do I still owe XXXX more payments out of XXXX its a mess and I need help with this matter. The car is breaking down and I paid for an extended warranty. No one can help me with this. I tried to trade the car in and no one wants to take it.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I would like you to remove this from my credit report
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (AL)

I contacted XXXX to receive propane in XXXX of XXXX. I never received any propane and therefore had my credit card company dispute the claim. After several months of back and forth the company agreed that we have an account balance of {$0.00} and sent an email dated XX/XX/XXXX reflecting this. We received a letter dated XX/XX/XXXX from ARM solutions trying to collect this debt. I have attempted to communicate with both companies to resolve this but can not reach anyone who wants to help.