davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Hi, recently I had 6 months left on my student loan payments ending in XX/XX/XXXX. Recently navient put my loans in deferment without my authorization. When I told them I didnt want deferment, they still extended my loan repayment till XX/XX/XXXX with increased interest. They said they were going to correct my loan back to the original payment and loan pay off date but have not done this yet. Ultimately, they are trying to charge me more interest. Thanks
Consumer complaint received 2020-08-02
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. (TX)

I have had issues with TransUnion for over two years now. They continuously show my credit score to be in the lower five hundreds and they will not take old information off my records for accounts that have been paid or closed out. I have notified the company several times and I have sent them documentary evidence of these accounts that have been paid and closed but they are continuously showing the same old information and they will not fix my score. I pull my annual credit report every year, plus I monitor my credit with XXXX and XXXX and they show accurate information and my credit score is in the mid six- hundreds. 
I used my credit for a home improvement loan and the company pulled my credit from Transunion and my score was XXXX. It makes me feel that Transunion is in fraudulent activity with these companies so that higher interest rates can be charged because they refuse to change and update information. 
Please help me rectify this problem with this company
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/XXXX around XXXX XXXX I went and purchased a prepaid bluebird card I put {$400.00} on it I get home and try to activate the card and was told I had too many accounts I called customer service ask them to close out the accounts I don't use anymore the lady said that she did and I be able to use my card right away. I'm still unable to access my card I have to wait 30 days to receive the last bit of money I have to my name I'm a single mother and I work very hard for my money. I also have a fraudulent charge that I did not do when my car got stolen which included my wallet and I have to wait 45 days for that investigation I just want access to my new card and money
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is regarding XXXX XXXX as XXXX XXXX. They placed an unauthorized inquiry on my Transunion credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: GMA Investments, LLC (FL)

In truth it already seems XXXX to me, this negative account and that you who impose the rules here still do not have or are looking for a way to admonish this situation. This is a debt ALREADY PAID YEARS AGO AND XXXX AND THE COLLECTION Business, have not responded or do what they please with the client, I ask to be REMOVED IMMEDIATELY this account of ALL my credit bureaus. This is harassing and XXXX  when a debt has been paid in full so long ago, I hope this case is resolved immediately!
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MA)

I am trying to get some resolution to an error I made by accidentally sending {$12000.00}. ( via my Bill Pay by XXXX XXXX  ) to an way old chase visa  card that I had years ago. So there is no record of this account with Chase. 

{$12000.00} ach transfer to chase visa XX/XX/XXXX at XXXX XXXX XXXX XXXX from XXXX XXXX  checking XXXX the cc account number used was XXXX, The reason for this email is to express my disappointment with your company 's ability to aid me. 
I have the information of the EHC transfer, but both phone lines of both parties are of limited aid. 
Can you aid?
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I made 2 XXXX transactions from my Chase checking account, XXXX payment of {$2000.00} ( XXXX ) and another of {$500.00} ( XXXX ) totaling {$2500.00} to XXXX XXXX XXXX ( XXXX ) as up front payment for the construction of a commissioned bathroom vanity. I purport that XXXX falsified his ability to deliver the project, did not deliver any product, and has stolen the funds. I would like to recover these XXXX transactions. 

On XX/XX/XXXX I opened a case with Chase reporting this fraud. Chase immediately closed the case and told me that they would open a case with XXXX. They also told me to submit evidence via fax to XXXX which I did. When I called Chase again to check on the status of the case, they told me that there is no actual way to submit evidence since that number is for Chase and not for XXXX. Chase has denied responsibility for resolving this issue. XXXX also defers responsibility of this issue onto the bank and does not respond to communications. Meanwhile, XXXX is also partially owned by Chase and they are all providing no way for consumers to receive any remediation for rampant fraud that utilizes this product. 

Upon further research, XXXX is a thinly veiled third party product integrated in banking apps. It provides unclear resolutions for consumer transactions which I suspect may be in violation of Regulation E. Having no means of fraud resolution for an " easy '' payment service is harmful to consumers.
Consumer complaint received 2020-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Check Recovery Bureau, Inc. (MS)

XX/XX/2020 through XX/XX/2020. 
United Check Recovery Bureau ; This company have been calling, leaving threatening messages, Using foul language as a intimidation to get me to agree to a debt that is not even mines. I never did any business with this company. I have No Contracts with this company. They call all throughout the day everyday, using different phone numbers most of the time to contact me. They call at least 4 to 5 times a day, starting early in the mornings. 

Again I have no Contracts or Loans with this company. Please stop the Harassing phone calls. I haven't received any notice by mail from this company, explaining to me what is this allege debt they say I owe them.
Consumer complaint received 2019-09-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

Several years back my mortgage payment kept increasing when it was supposed to be a fixed loan, I ended up losing my house Because the mortgage company refused to work with me. After they asked for a set amount to pay to get us caught up, they ended up foreclosing on the home on XX/XX/2012. I contacted a company that I saw advertising on Tv that was supposed to help me avoid foreclosure where I had to pay XXXX down and they would take care of the rest, obviously when I tried to contact the mortgage company to see if they had spoke to this firm, they said they dont work with those types of companies and we was just put that money also. We asked the mortgage company what it would take to keep our house but they refused to take any amount we offered but they ended up selling at the auction for around 24k dollars or maybe it was a little less, either way we owed at least 3 times as much for the mortgage. I ended up filing bankruptcy in the end because they tried to stick me with the difference.
Consumer complaint received 2020-08-02
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: TRUIST FINANCIAL CORPORATION (FL)

My complaint is regarding Suntust DBA as Light Stream. They placed an unauthorized inquiry on my XXXX  credit report on XX/XX/2020 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-08-02
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: Experian Information Solutions Inc. (FL)

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my XXXX and Experian credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-02-08
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. (NY)

I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX kids because of this matter.
Consumer complaint received 2023-03-29
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. (CA)

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 reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2020-08-02
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: EQUIFAX, INC. (FL)

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax and XXXX credit reports on XX/XX/2020, and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I've explained to this company many times that these charges are fraudulent, and my information was compromised by an ex-spouse that is now deceased. The amount of the debt has gone up from the first time ive became notified about it as well, the apartment company seems as though they just want to make money off of me and dont care if it identity theft. I've tried to explain and reason with them but instead received scare tactics and calls with aggressive reps. I've been trying to tell them this debt is inaccurate since 2019 when i was first notified of it.
Consumer complaint received 2020-08-02
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. (SC)

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to XXXX, XXXX, and TransUnion on the issue but got no responses.
Consumer complaint received 2021-07-20
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)

I sent my dispute letters into all ( 3 ) credit bureau on XX/XX/XXXX disputing accounts and inquiries on my credit report. The bureaus told me they would have their investigation completed in 30 days. They only have 2 days left to complete their investigation and I haven't heard anything from either of the companies. I will attach my dispute letters to my compliant claim.
Consumer complaint received 2023-03-29
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2020-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America took advantage of me with this predatory loan that we paid for over 15years 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 


Bank of America, N.A. XXXX XXXX XXXX Fl XXXX XXXX FL XXXX : ( XXXX ) XXXX Account Number XXXX Date Opened XX/XX/XXXX High Credit {$0.00} Credit Limit {$0.00} Terms Duration 15Y Terms Frequency Monthly Months Revd 99 Activity Designator Creditor Classification Items As of Date Reported XX/XX/XXXX Balance Amount {$18000.00} Amount Past Due {$18000.00} Date of Last Payment XX/XX/XXXX Actual Payment Amount {$0.00} Scheduled Payment Amount {$0.00} Date of 1st Delinquency XX/XX/XXXX Date of Last Activity Date Maj. 
Del. 1st Rptd XX/XX/XXXX Charge Off Amount {$18000.00} Deferred Pay Start Date Balloon Pay Amount {$0.00} Balloon Pay Date Date Closed Status Charge Off Type of Account Mortgage Type of Loan Second Mortgage Whose Account Joint Account
Consumer complaint received 2020-08-02
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. (TX)

That a fair investigation by Equifax would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Equifax 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2023-03-29
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-29
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. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I sent a letter to Equifax asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the Equifax data breach and I want these accounts deleted immediately as they have cause me great stress.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (WI)

Collections is not from original creditor. I do not owe LVNC FUNDINING-XXXX {$670.00}. I never heard of LVNV FUNDING. I  never did a contract with them.