davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. 
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. 
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
Consumer complaint received 2023-01-19
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. (PA)

My name is XXXX 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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent several correspondence to this companies with no response its past the 30 day mark and yet no replies, pursuant to the privacy act of 1974, my federally protected rights are being violated by the credit Reporting agencies. According to 15 USC 1681b I demand all this inaccuracies be deleted off my file. see the attached Documents for all other information regarding this issues.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XX/XX/2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc (MT)

On XXXX, someone impersonated Chime Bank, and told me to transfer my {$500.00} to Chime, and they would send it right back activating my pay advance loan called XXXX XXXX. They never sent it back. They stole my money. And Chime won't get my money back to me. They closed my dispute XXXX times & won't reopen it.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumerXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (PA)

Been asking about student loan help and forgiveness from Ed Financial..Just was told to apply for student loan forgiveness on XX/XX/XXXX XXXX.Put in app online... Waiting for status ... Months of unnecessary stressed..
Consumer complaint received 2019-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (GA)

This company is attempting to collect a debt from me that has been paid in full over 2 years ago. The debt was paid to a collection agency XXXX XXXX in XXXX of 2016. I have discovered that this company has a history of illegally attempting to collect debt, and I have now fallen victim. I have tried several times to reach them by phone and they have re-directed me to another company named XXXX ( phone number XXXX ) When I asked for an explanation as to why they are listed as the debt collector they stated they own the debt and XXXX services the debt. When I call XXXX several times, I can only leave a message and have gotten no replies back. As a consumer this is unfair and illegal, and I would like it if someone can investigate these companies. I am trying to obtain the bank statements from my bank, but because it was more than two years ago when this debt was payed in full, there is a process. I have also filed a complaint with the XXXX, as this is a very unfair practice to an innocent consumer.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (FL)

I checked my file that Credit Karma have on me and discovered the following : 1. Showing every debt that I may have used within a month not over the limit with the amount and increased balance in red giving a negatice impression.

2. Then the same is appearing for accounts that were closed appearing in red to give a negative impression.

3. Several of the closed accounts in red are not closed they are the same account that's opened but was refinanced.

4. I've lost clise to 100 points on my credit score which has destroyed my creditworthiness.

5. A month or two ago my student loans appeared in red were taken out of XXXX  file but now in Credit Karma file is showing up again in red as interest is added to my deferred loans making my loans appear over the limit.

6. Closed debts are showing both opened and closed.

7. The red writing that appears next to each bill makes my debts look like they are delinquent or write offs and whatever that's negative rating or remarks.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ZIONS BANCORPORATION (NV)

We are attempting to stop ACH payments from payday lenders, but our bank says they are unable to do so. We have revoked authorization from our lenders, and when we notified the bank today, XX/XX/2018, we were told by the bank that they are unable to stop ACH payments, even if we send them a letter stating that we've revoked the right for the lenders to withdraw funds. We called to understand their process and how to get started, as we are working with a debt management company to assist in the repayment of the loans.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NY)

I recently discovered that your company ran an unauthorized report on me on XX/XX/2018 and XX/XX/2018. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request.

Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature.

PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was robbed and assaulted in XX/XX/XXXX and bank of america has not returned the fraud money of {$830.00} XXXX after the police have caught the suspect and investigation has been filed they have constantly lost paperwork and been =grossly incompantant. Theh have never contacted the detective or the district attorney who's numbers were provided in XX/XX/XXXX they never checked the cameras and have constantly made excuses.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

Well, the first problem is that the affiliation that reported a missed payment ( Iowa Student Loan ) is not the affiliate in which I make payments to. I don't know if they were bought out, or my debt was sold, but either way, the payments that I make now are to Aspire Servicing Center. But for some reason its shows on my credit report as from Iowa Student Loan. 
The second issue is that they reported me to the credit bureaus as being late in XXXX of 2016 FIVE TIMES ( because I had 5 loans ) yet I was literally only late ONCE ; When I make payment to Aspire Servicing Center, they have those 5 loans combined to make ONE payment, not FIVE. This is killing my credit score.
Consumer complaint received 2019-02-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I am an XXXX year old widow forced into bankruptcy. XXXX  XXXX ( XXXX, TX ) is a reverse mortgage lender that claims I now owe them {$250000.00}. I've attached their latest invoice, showing the amount, loan number, my name and address. They have charged me outrageous amounts without proper explanation. I have asked for supporting evidence for all of its charges, including signed proof of the original mortgage, the mortgage agreement terms, and settlement documents to support their claim of all amounts it claims I owe. They have been either unwilling or unable to provide me with such proof. I now risk losing my home of over 40 years. 

I was never given an account to draw from but I paid for major and minor repair items out of my own funds ( sewer line, furnace replacement, etc. ) When XXXX claimed I was not making required monthly payments, it took funds from an account of which I was unaware and began charging additional interest based upon their own withdrawals. XXXX also claims I owe fees for home inspections of which I was never aware nor was I informed. CFPB, please I need your help. Thank you!
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am having problem with XXXX Credit Bureau and Transunion I sent so many letter and XXXX send me the result and the stuff was remove and those XXXXwo credit bureau refuse to remove all I am getting from XXXX verified updated and meanwhile XXXX is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my Transunion and XXXX credit report and they refuse to remove it please update it between XXXX on XX/XX/2019 and XXXX XXXX XXXX was removed also from my XXXX credit report and XXXX   and Transunion still have it in the system please remove it was removed from between XXXX on XX/XX/2019 and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX was removed XXXX XXXX XXXX was removed ( XXXX XXXXXXXX XXXX
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Service Bureau, Inc. (KS)

Midwest Service Bureau contacted me by telephone during work hours on XX/XX/19 with regard to a debt they claimed I owed to XXXX XXXX of XXXX   County. Approximately one year ago, I contacted XXXX XXXX   directly regarding this same debt, and XXXX XXXX agreed to accept a smaller amount made in payments, nullifying Midwests claim to my debt. As those payments had been made in full several months ago, it is clear that Midwest Service Bureau made no effort to verify whether or not the debt was valid before contacting me. It is a matter of public record that Midwest Service Bureaus practices have led to multiple lawsuits and formal complaints in the past, including other attempts at collecting non-existent shadow debt.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is Experian. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Chase United Mileage Explorer Plus Card states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (CA)

In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX   XXXX XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a Ms. XXXX XXXX on the XXXX of XXXX, XXXX. 

It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. This account is still open, reporting, and I have never received any communication from XXXX XXXX XXXX regarding this debt or their attempt / willingness to investigate it.