davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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. (GA)

There are several accounts and personal information reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) The following accounts status is reporting inaccurate. I was never late on the following accounts : XXXX XXXX - Open XXXX Bal. {$130.00} ( I was never 30 days late ) XXXX - Opened XXXX Bal. {$22000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$4700.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$1800.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$2600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8300.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$6000.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$8600.00} ( I was never 120 days late ) XXXX - Opened XXXX Bal. {$23000.00} ( I was never 120 days late ) The following accounts is a result of identity theft : UNKNOWN - Opened XXXX ( XXXX  ) UNKNOWN - Opened XXXX ( XXXX  )
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I applied for forbearance with My loan care LLC due Covid-19 and got approved for the period starting on XX/XX/2020 to XX/XX/2020, on XXXX of XXXX, the mortgage bank reported the bureaus company that I have a delinquency which is completely wrong bcs Im still under the forbearance. I contacted the bank three times and the problem not been fixed so far. That delinquency report dropped my credit score 85 points for both of me and my wife.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (PA)

XX/XX/19 - I attempted to use the card but it was declined at the register. I used another form of payment and just assumed the stores system was the problem. 
XX/XX/19 - I attempted to use the card again at a different store and it was declined at the register. I used another form of payment. When I returned home I logged in to my account on the internet and it would not let me log in. There was a red statement that said something to do with fraud and gave me a number to call. 
I called the number for Direct Express Fraud Services Department. Immediately they got me to order a new card. I did and it cost {$13.00} to get it immediately. Then they started to ask questions about transactions. I can recall two that she mentioned both for XXXX XXXX, XXXX XXXX. I did not make those transactions. The last I recalled using the card was for two companies, XXXX and XXXX, on line. They told me they would send forms for filing a fraud action, they did and I returned it via fax to their fraud department. 
XX/XX/19 When I went to my post office box there was a letter from them dated XX/XX/19 that stated there was a conflict of some sort and that they couldn't confirm the fraud. The letter said I could request a copy of the docs they relied on by calling a number. I called and they said they are sending it. 

I don't check my online account for this card everyday but I do check it and save my receipts to make a comparison. Had I seen these charges I would have called to complain that they are fraudulent but I hadn't checked recently. 

I wasn't the one that noticed the online purchase, it was Direct Express which is why they shut down my card. 

How is it that they detected a potential fraud and shut the card down and then when they talk to me and I agree they were not my charges they say I am not proving it.
Consumer complaint received 2023-11-28
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. (IL)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2018-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (NY)

I have recently been informed that there is negative information reported by Gold Key Credit Inc in the file you maintain under my credit report. Upon reviewing a copy of my credit report, I see an entry listing I Never contracted with Gold Key Credit Inc this company is engaging in fraud and is using my personal information to destroy my reputation and credit score to pay them a debt I never owed them or contracted with them for any product or services. I asked for this fraudulent claim to be deleted and removed from my credit report and for them to be investigated for fraud. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with Gold Key Credit Inc and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XX/XX/2022 XXXX called me saying i owe {$250.00} as my electricity bill was not paid and they would turn off the electricity in 30 mins if i would not pay. I agreed to pay as i was scared they would cut off the electricity as i live in XXXX and we was having a XXXX  and XXXX XXXX XXXX. They told me to pay through XXXX and my electricity would not be cut off. I paid {$250.00} then they said actually we are sorry you shouldnt have added the XXXX XXXX  can you send again as we didnt get the payment I told them i didnt have enough funds to pay {$250.00} they said ok pay what you can then we will refund you back the XXXX i ended up paying {$230.00} all through XXXX thinking it was XXXX company. This morning around XXXXXXXX XXXX ( XX/XX/2022 ) they called to say they was going to give me a refund and i had to go onto XXXX  and add {$250.00} and on the memo to write refund of that amount, i was very unsure but i really thought it was XXXX  calling back to give me my refund. I did what they told me to, and {$250.00} went out of my account again. I told them what are you doing, they told me to calm down and listen to what they are saying. They say i needed to have funds of the amount i sent to get a refund. I explained to them all my money has gone and didnt have the funds and they said i had to send an amount to keep the case open so they could follow up. I sent another {$100.00}. I got to work and told my colleagues and they said i was being scammed, i called XXXX  and they told me i was scammed, i filed a police report. Is there anyway you can help me get my money back, or even some of it. Can you advise me anything i can do. Please let me know
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I have turned in several applications : XXXX forgiveness, Obama, and Public Loan Service forgiveness. All of which have been sitting on someones desk, not processed. I was told so many excuses but the truth and what was given to me- that was " your loan is forgiven ''. I even applied Temporary Expanded Public Service Loan Forgiveness. What I got was XX/XX/XXXX-XX/XX/XXXX more payments and for them to tell me to refinance and they do not know what to do was the response I got. Fedloan says that my age of account is 5 years 3months, but that is incorrect. I have never refinanced nor did I get a loan from them 5 years 3 months. This company has ruined my credit and life.
Consumer complaint received 2023-06-28
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)

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.

The letters are stated with items and issues.

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 2022-12-27
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

XXXX XXXX  XXXX  ( XXXX ) IS NOT CONSIDERING MY MORTGAGE AS A ( VA HOME LOAN ) ACCORDING TO ESCROW PAYMENTS STILL ADDED ON ME AND MY MORTGAGE PAYMENT. AND, I AM ALSO A TAX-EXEMPTION. PERSONAL EXEMPTION # XXXX. I AM XXXX XXXX XXXX XXXX XXXX VETERAN. I MENTION TO THEM. AS WELL I PROVIDED ALL AND EVERYTHING TO THEM DURING MY VA HOME LOAN PROCESSING IN XX/XX/XXXX. AND WE MOVE IN OUR HOME IN XX/XX/XXXX FINALLY. WE FEEL DEFRAUD BY THE ESCROW PAYMENT DEAL. BECAUSE, THEY ARE NOT CONSIDERING MY VA XXXX, AND EVEN SENIOR. XXXX YEARS OLD VETERAN CITIZEN. NO DISCOUNT AS WELL. THANK YOU FOR YOUR INTEGRITY SERVICES FOR US SENIORS AND U.S. CITIZENS OF THE AMERICA. GOD BLESS ( CFPB ) FOR YOUR HONESTY SERVICES FOR OUR COUNTRYAND THE PEOPLE. 

SEMPER -- FIDELIS .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-01-03
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: Medical Data Systems, Inc. (GA)

I contacted MEDICAL DATA SYSTEMS INC to let them know they are incorrectly reporting an account. They stated the account would be deleted but it hasnt been deleted yet. I am going to file an attorney general complaint if the account is not deleted immediately.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Reference previous complaint : XXXX This matter is NOT closed. The bank 's response is NOT acceptable and does NOT address the question I asked. 

My question has always been : Where can I see the {$3.00} fee for outbound ACH transfers PRIOR TO LOGGING INTO AN ACCOUNT OR EVEN OPENING AN ACCOUNT?. Telling me I can see it on the screen after logging and in and initiating the ACH transfer process is NOT ACCEPTABLE. I also will NOT accept the generic terminology in the Digital Service Agreement that say 'we can apply whatever fees we wish whenever we wish without advance notice '. 

I expect a proper answer this time, or for sanctions to be imposed on the bank for failure to properly disclose fees. 


I opened the account in response to a promotion that offered a {$250.00} bonus awarded to accounts that reached a balance of {$500.00} within 45 days of opening and remained there for a minimum of 60 days. I honored my deposit commitment on XX/XX/XXXX and will let the balance remain until at least XX/XX/XXXX to honor the time commitment. I expect that bonus to be applied no later than XX/XX/XXXX. Sometime after that, I will likely close my account due to the extremely poor management replies to this issue. 

If the bank prefers to pay that bonus early and close the account, I'll accept that decision, but such closure MUST show as by my request.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-11-28
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank XXXX XXXX XXXX XXXX XXXX MI XXXX Their A.C.H dept put a hold on my wife 's last SSID check amount {$1200.00} this happened on XX/XX/2019. This check came into our account on XX/XX/2019 at that time the bank held the funds for two day then released it. 
It has been verified by three different representatives at our Social Security that this check was a good check and all three have no understanding of why they are holding the money. 
At Chase XXXX told me that SSID was holding the money the day of the hold XXXX of XXXX One problem is there's no phone number to call to help resolve issues with Chases ACH dept. all communication is done via e-mail. 
SSID was NOT holding the money Chase is. 
Her ACH department we fine out on the XXXX  is re-guesting a letter from SSID they will not reclaim this money and wanted the document faxed to them stating this. Problem is SSID do not write letters and would not help me with a letter. 
So I was instructed by SSID that these steps are the only way I can get my {$1200.00} off hold. 
# 1 cover the deficit of {$330.00} # 2 Have Chase send the money back to SSID # 3 I have to file out a three page form to request my own money back and wait up to 60 days I did cover the appropriate amount om Monday the XXXX, today as of the minute the money is still on hold. 
I did communicate all of this with Chase bank ( XXXX ) on the XXXX. 
here is what it looks like to me 1st holiday season without my wife, I XXXX at XXXX to take care of her with XXXX XXXX, I'm on a small SSI income I had to come up with {$1500.00} to cover the check to have Chase send the money back, and have money to pay bills. 
This is day 12 with with my money on hold and no one at Chase seemes to care
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, I received a call from Navient asking me if I wanted support in paying off my student loan balanced. I paid off my student loan balances in XXXX and had not heard anything since XXXX and now they want me to pay late fees on a student loan account I paid off in XXXX, 5 years ago. 
When prompted to review, they indicated they reversed payments but never told me in XXXX at the end of my last student loan payment though I clearly recall a phone conversation with a Navient aid to walk me through final payments on my loan. 
I do not have records as was in an old email account and can not locate the final letter but have not received bills or statements from Navient since XXXX and just now getting this call that I have a balance including late fees 5 years later. I have not received any mail even though I verified they had my correct mailing address on file. It is clearly documented on my account that it there are reversed charges in XXXX and not contact until XXXX. I am unclear on how to file a formal complaint and they will continue to file late charges. They said they reversed charges because I had paid it off but are now charging me for the reverse charges with late fees. The manager who authorized this is XXXX XXXX at Navient. Now my credit score is being impacted.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

ALL 3 " CRA '' REPORTING OUTDATED FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES ... '' CONVERGENT/ BELK XXXX XXXX XXXX, XXXX XXXX XXXX ''
Consumer complaint received 2022-12-27
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-27
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. (NJ)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or removed : XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.