davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (MI)

I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
And the identical account is being reported 3- times misleading anyone who would receive my credit report I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.
Consumer complaint received 2022-07-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXXXXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no idea how a membership for transunion credit monitoring was started as I had never even been on their website. I noticed the charge today on my bank statement and went to their site and they had a login that I didn't make and there I could see that I have been charged for this service I didn't know I had since XX/XX/2018. It shows 5 charges each for XXXX. I was able to cancel the membership online and then called them to reverse the charges as I still do not know how or where that account was created, and they couldn't provide that information when asked, they did reverse the most recent charge but said the other 4 could not be reversed.
Consumer complaint received 2019-04-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I was recently contacted by Citizen Bank about a student loan from XXXX. I became severely ill and was unable to continue with my secondary education at which time I had to file bankruptcy XX/XX/XXXX. The company was notified of the bankruptcy, chose to not dispute the bankruptcy filing which was discharge dated XX/XX/XXXX. The company XXXX called me on there behalf today and stated I have a outstanding debt. 

I informed the company in regard to the filing and discharge. I was informed this is a student loan and not dischargeable. I informed the company it was a private student loan and they had opportunity to dispute filing in XXXX but now they want to try and bill me while being on out on Social Security Disability. 

I asked them to not contact me anymore and to review the filings submitted to them the rep was very rude and would not listen to me in this regard.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NC)

Nelnet student Loan account XXXX has reported inaccurate information on credit reports. Report states I have 7 missed payments during the period of XXXX. During this period, I am protected by The department of Education 's covid 19 student loan forbearance program. There were no payments due at that time.
Consumer complaint received 2019-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion and XXXX will not provide a report or show my scores. I have sent all the information they need and required to disclose my report. I have tried vigorously for months to try and get my report and scores with no luck. My accounts are not frozen and never I have I frozen them
Consumer complaint received 2019-04-03
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. (PA)

I am filing this complaint as an aggrieved man against XXXX, Transunion and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (UT)

Since XX/XX/2019, I have tried to verify a freeze on my credit report. 

At XXXX, I receive an error " We are temporarily unable to complete this request. Please try again later, '' which Equifax confirmed by telephone is not a problem with my login, password, network, etc., but is instead an error originating on their end, for which they have no timeline for resolution. 

By chat, Equifax informsed me that they are unable to assist me. 

By telephone, Equifax refuses to assist me, stating that they can not confirm my identity because my answers ( e.g., about current lenders, minimum payments, and ironically, about the current freeze status of my account ) do not match my credit report. 

Assuming my freeze request was executed last fall, I am unable to open new lines of credit or apply for new loans, until Equifax permits me access to my account. Assuming my freeze was not executed, Equifax is denying me my mandated right to freeze my account.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (IL)

I started the process to refinance my home mortgage on XX/XX/XXXX. Long story short, Ally Bank asked for most recent paystubs on a weekly basis, then denied my application due to change of jobs. The first most recent paystub was submitted on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XXXX and so on. Ally Financial doe snot allow me to keep track of the documents submitted on the account, time and effort in the last 2 months to try to close these refinance seemed ridiculous. I am not certain if it is because of their underwriting department is not promptly processing their deals. I recently changed jobs which led to an increase of my monthly income to 4x more, but is a contract position for 8wks. Ally Bank asked for the proof of my contract and then denied my application, stating the contract must be for over 2 yrs. I explained to my loan officer that as a critical care nurse I do not have a doubt to be able to extend or find another contract in the midst of a pandemic. I contacted my financial officer 's manager regarding their policy to ask for most recent pay stubs through out the entire loan process but she never responded. They also have not refunded me the {$550.00} I paid in processing fee. Ally simply said " You have been denied, goodbye '' and does not realized the amount of time and effort wasted in addition to other good rates I have missed out from other banks.
Consumer complaint received 2021-11-05
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. (MI)

I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent off letters to XXXX, Experian, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On or about XXXX XXXX, XXXX Chase Bank froze my checking account, with a balance of several XXXX dollars. They did not notify me when it was frozen, I found out when my debit card ceased to work. I immediately contacted customer service by telephone, and I was informed that my account was frozen due to a XXXX payment I received on XXXX XXXX, XXXX in the amount of {$830.00}. This payment was sent to me by XXXX XXXX XXXX in payment for an aircraft part. Mr. XXXX apparently told Chase Bank that this was fraud, and he had not authorized the transaction, when in fact I have multiple emails from Mr. XXXX proving he authorized the transaction. I went into my local Chase branch and spoke with the manager, XXXX XXXX. I showed him the email chain of my communications with Mr. XXXX whereby he ordered the part from me, and offered to pay via XXXX. I also provided the USPS tracking number which showed the item had been delivered to Mr. XXXX 's address. I explained that there was no fraud, and that I have had the account open for almost a decade, and Chase was being unreasonable to freeze my entire account balance over this XXXX payment. The manager, Mr. XXXX, agreed that it made no sense that my account was frozen, and agreed to bring the matter to the attention of a regional vice president. He made copies of all the documents I provided, and he assured me I would hear back from someone within 2-3 business days. As of today, XXXX XXXX, XXXX, a full week later, I've heard nothing from Mr. XXXX or Chase Bank, and my account remains frozen. In this time, I've missed a credit card payment that was set to auto-pay from this account, and my personal check to pay my XXXX property taxes has not been cleared, both of which will result in late fees and penalties. At this point Chase has frozen my account for over two weeks, causing me financial stress, and damaging my credit rating. I demand that Chase Bank un-freeze my account, and reimburse me for any late fees, penalties, or other charges that result from their action of freezing my account. I also demand that Chase Bank repair any damage done to my credit by their unilateral actions.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

I have a falsely reported derogatory creditor on my credit report. 

I had an account with XXXX XXXX XXXX with a credit limit of {$400.00}, in which the last payment on the account was XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. It appears XXXX XXXX purchased this debt in XX/XX/XXXX, and is requesting an amount of {$1100.00} to clear the debt. 

I have attempted to file disputes regarding this debt, with no resolution. 

XXXX XXXX last reported to XXXX and XXXX on XX/XX/XXXX.
Consumer complaint received 2022-10-26
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. (SC)

XXXX XXXX XXXX Account XXXX Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX of XXXX XXXX SC back XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be $ XXXX  monthly, but XXXX XXXX showed that my payments were over $ XXXX  monthly. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a Voluntary Repossession because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX intentionally didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-06
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. (CA)

In compliance with the submission of this complaint, I have listed the dates and so forth as instructed. On XX/XX/XXXX I paid USPS a fee of {$18.00} and sent a signed, notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In compliance and understanding with the Fair Credit Reporting Act, Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$24.00} to refresh and review my credit reports. I became aware that the fraudulent accounts have not been removed and on XX/XX/XXXX and the accounts are STILL on my credit report causing a health risk and strain on my person. 

It is now XX/XX/XXXX and giving the credit bureaus extra time from the holiday season to process my request to remove the fraudulent accounts STILL have NOT been removed from my credit report and causing an additional health hardship on me and my family because of this. I am enlisting the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Consumer complaint received 2022-10-26
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. (TN)

XXXX. Equifax and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (CA)

I keep disputing through my credit reporting agencies, and the Company itself that this is not my debt. I do not even know what this debt is for. I have been disputing this since it's been reported back in XXXX, but my requests go unheard and unaddressed. I believe this company is falsely using my identity to collect on someone else 's debt and has provided zero proof on this debt and to prove that this debt actually belongs to me. I also receive no notification of this debt, to allow me to dispute within the 30 day period. How is that even legal? 

Under Section 609 of the Fair Credit Reporting Act- '' if the disputed information can not be verified or confirmed, then it must be removed ''. 

I have requested several times to have this debt removed, and no communication back, other than their request to keep open and that this debt is valid, without any proof supplied. The are falsely using my identity, and therefor, need to remove this information and close this debt from the three credit reporting agencies. I believe XXXX  has already removed, due to lack of proof of financial responsibility. 

They then sold my information to another third party company to now collect, and they won't stop with the harassing emails. The company who they sold my information to is XXXX XXXX in XXXX, KS on behalf of XXXX XXXX XXXX , XXXX. Crazy too, because the address in the email they sent, I have not lived there since XXXX and the debt was from XXXX. Makes no sense at all. THIS IS NOT MY DEBT!! 

Date reported to Collection Agencies : XX/XX/XXXX Collection : Trident Asset Management Amount : {$77.00}
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex eGift Card. 

I validated my card on XXXX XXXX XXXX XXXXhich shows a balance. 

I attempt to use this on XXXX and the transaction is declined. 

I tried again some time later and it was declined again. 

Many people have reported having this problem starting this past year.
Consumer complaint received 2019-04-17
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: Medical Society Business Services, Inc. (AZ)

I am not responsible for this debt. The work that is stated was not done. 

Most importantly they claimed to the attorney general that their patient was XXXX XXXX XXXX we are not that person. 

XXXX XXXX I received a letter back from the Attorney Genrerals office they stated they were going to investigate. 

XXXX XXXX I talked to XXXX at XXXX XXXX about fraud she turned me over to XXXX in the Fraud dept I gave them information to the best of my knowledge. 

XX/XX/2015 I received a letter from XXXX XXXX on the fraudulent use of a card in my name. They also sent out a newly issued card with a different account number ( I did not ask for a new card ) XXXX XXXX I received a letter from Arizona State Board of XXXX Examiners stating they would investigate. 

XXXX XXXX XXXX XXXX responded to XXXX  first time that I saw that someone had used my old XXXX XXXX account and someone signed my legal name on a credit card that is for the name XXXX not XXXX and they signed it XXXX. I found many discrepancies in their story of what transpired during XXXX visit on the XX/XX/XXXX XXXX XXXX I called XXXX XXXX   about the letter sent to me about Forgery that this was not me who signed this card XX/XX/2015 XXXX XXXX claims that a XXXX XXXX XXXX was their patient XXXX XXXX I called back to XXXX XXXX. To cover someones buts they sent out a new card that I did not ask for I talked to XXXX  to make sure the newly issued card that I did not ask for was canceled XXXX XXXX I received a letter another letter from the Attorney General s office that that had pages from the main office of XXXX XXXX that explained their understanding. In this letter they called the patient XXXX XXXX XXXX. ( this person does not exist in my household nor have availability to my credit. At this time I had figured out what they had done at this office. Because my husband and my credit is locked they went around all upstanding business practices and they signed my legal name on my credit card that is in my nickname and used my credit so that they could as predators do work on my husband. 

A I went to the police station in XXXX XXXX Az on this date at XXXX ; XXXX  to file fraud charges. The officer took what information I had at that time and called the XXXX   office. They stated to the officer that my husband handed them that card was physically handed to them. This was impossible as the card is still connected to the award letter to XXXX XXXX XXXX. Card has never been signed and shows it was authorized to XXXX XXXX. 

XXXX XXXX went to Board of XXXX Examiners they found XXXX XXXX needed more education. 

Found out at a later date by Officer XXXX that the local office manager at XXXX XXXX XXXX XXXX was either fired or reprimanded. 







XX/XX/15 XXXX XXXX absolved myself from any responsibility of this debt as a victim of identity theft.