davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2019-02-01
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: Diversified Consultants, Inc. (CA)

I had moved to over seas on XX/XX/2015 permanantly but had noticed someone stole my information and screwed my credit.I was in CA for short period of time and I think my room mate had my information and used my info. 
This is not mine Diversified Consultant Acct # XXXX
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

The XXXX washing machine that we purchased on XXXX has a severe washer cycle dysfunction when the '' heavy cycle is needed. A repairman came out two times for that same problem. The agitator makes this large unbearable noise while it is suppose to be washing, then the rinse cycle goes on for another hour, using excessive amount of water, then it takes all day to drain, then it cycles again. My wife and i went out to the store in person XXXX XXXX NC, and we were told, that the repairmen must come out to see and that it is stated in our Warranty, it is nowhere in the warranty it states any 3 time repair rule. On XX/XX/XXXX, a rude customer service agent named " XXXX '', Gave us an ultimatum, " the repairman has the last decision. We asked to talk to the manager, and she said FINE! - she is not here today. but here is her name and number " XXXX XXXX XXXX it is a general store number. That is how deceitful they are.
Consumer complaint received 2021-08-20
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: JPMORGAN CHASE & CO. (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

I recently checked my credit report and notice a account and balance that I know nothing about. I placed a dispute with the company asking for debt validation and they sent a letter stating the start date of the account, a last payment on the account, and and delinquent day for the account along with an email address thats not mine ... .. I thought debt validation is showing the original account contract with a signature not some random email address and some dates for the service account ... .. its unfair to pin a debt on a person credit report without factual proof
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In the process of removing the last incorrect items from my account. Unfortunately, despite disputing every cycle for the past year, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info. I have also uploaded the correct amount that is under dispute to Experians online service several times to no avail. 

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Experian is similarly enjoined from reporting this information that is verifiably inaccurate. 

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ). 

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ). 

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). 

These are just the glaring examples. For goodness sake, free me from this unscrupulous agency and its illegal practices. Consumers are dealing with enough right now.
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (WI)

I purchased a new vehicle at a dealership on XXXX by trading in two vehicles, one of which had a loan with Chase Auto Finance. The  dealership sent a check to Chase on XX/XX/XXXX. Chase insisted for over a month they they did not receive this check despite it being faxed to them at least three times. They have told me and the dealership multiple times that they are behind on processing checks because of COVID. I get that. But they have charged me late fees and reported the account delinquent to the credit bureaus, lowering my credit score by 103 points. This behavior is unacceptable. 

XX/XX/XXXX : I reached out to Chase and they said they hadn't received the payoff check and threatened me with a late fee. 

XX/XX/XXXX : I called the dealership. They said they spoke to Chase and don't worry. They are behind on processing payments and won't charge a late fee. 

XXXX : Chase charged me a {$10.00} late fee and posted a late notice letter electronically to my account. I called Chase. The rep was rude and told me to have the dealership cancel the check and send another one. I asked for something in writing stating they were behind on processing payments. The rep refused. I called the dealership. They  said they faxed a copy of the check and to wait until XX/XX/XXXX, the issue should be resolved by then. 

XX/XX/XXXX : The account is still flagged as open and past due. I call the dealership and ask for a conference call w/ Chase. The dealership transfers me to someone at Chase who says there is no record of payment. Admits that Chase is behind on processing payments but won't provide anything in writing to this effect. I escalate to a supervisor. Supervisor outright refuses to provide anything in writing. Gives me a fax number to send the check. 

XX/XX/XXXX : Received a letter from a " Research Representative '' at Chase Auto asking for proof of payment. I send the check copy from the dealership via postal mail. 

XX/XX/XXXX : Chase begins making unsolicited calls for debt collection. I explain the situation. Rep isn't interested and tells me to fax the check. I fax the check copy to the number I was provided on XX/XX/XXXX at my own expense at a XXXX store. 

XX/XX/XXXX : Began receiving credit monitoring alerts online telling me that Chase reported the acount delinquent. My credit score drops 103 points instantly. 

XX/XX/XXXX : Called Chase who finally acknowledged they have received the check from the dealership, but that it would take " XXXX weeks to be processed ''. 

XXXX : Chase charges me another {$10.00} late fee and I continue to receive credit monitoring alerts from all bureaus. I file a dispute with XXXX. 

XX/XX/XXXX : XXXX  closes the dispute in Chase 's favor. 

XX/XX/XXXX : Chase has had ample time to fix this situation. I am filing this complaint to seek justice and demand they rectify this error and correct their false claims on my credit report.
Consumer complaint received 2019-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I had negotiated in good faith a repayment plan at a low 1 % rate to payback of my loan. After 6 months of making this payment plan, I noticed online that I was reverted back to the original high-interest rate. I called Navient and was told that I would need to renegotiate the loan rate and amount ever 6 months and that the rate would increase incrementally higher as they saw fit. After a second renegotiation of the loan, they said I was making to much money ( nothing had changed in the last 6 months financially for me ) and that I would have to wait a month and try again. In the meantime, I am paying high-interest rates and fees. On the third negotiation attempt after receiving a " make us an offer '' letter in the mail saying that no reasonable offer would be refused for a one-time payoff or installment payments. I was told that that was just an inaccurate letter and that the information on the letter was incomplete and that certain criteria that need to be met. I was also told as this was my XXXX number of repayment plan request that now I had to send in three months of banks statements and payroll statements, which was never mentioned before. They are telling me that they can not give me my original 1 % interest payment and now have raised the monthly payment more because that plan that I was no longer being offered. Nothing about the letter was really for real it was very misleading and only makes this debt impossible to payback. These private student loans are creating the new indentured servitude of the 21st century. I am so frustrated with this company and its predatory loan practices. Navient is making it impossible for me to get another loan because they have driven my FICA score so low. Please Help
Consumer complaint received 2018-10-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings (TN)

I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

My XXXX stimulus was deposited in my Chime bank or spending account.. And Chime bank sent my XXXX to a unknown person that was not me ..They let this person change my email address that was on account to XXXX I don't know or see how the would verify this person as me they would seem to have to have photo or this person stating they were me? In order to transfer to this person 's XXXX pay... when I contact them they closed my account and blocked my phonecalls and will not have anything to do with me.. this was XXXXXXXXive emailed them and trying to explain that they sent my XXXX to fraudulent person..I just got so depressed and gave up. BUT I JUST CANT LET THIS GO ..SOMEONE HAS EITHER STOLE MY INDENTY I DONT KNOW ..PLEASE HELP ME..
Consumer complaint received 2022-10-06
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. (MI)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-29
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)

On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, transunion, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXXXXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

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
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

THIS COMPANY NEVER CONTACTED ME!!!! During my weekly credit score check, I noted my credit score dropped 67 points. Midwest Recovery Systems placed collection/negative account on my credit report. I've never heard of Midwest Recovery Systems. This same debt was attempted to be collected from XXXX XXXX and XXXX XXXX who ceased attempt to collect after being sent debt validation letter. I never received any call or letter from Midwest Recovery Systems. When I called, they stated they did not have any documentation to validate this debt. Stated they would reach out to original company for documentation and mail them to me once they receive them. So they violated FDCPA and have not verified this debt. I am simply named as the responsible party I was told. Representative at Midwest Recovery Systems stated this was for a visit to ER on XX/XX/XXXX. The last time I received services from a hospital was in XXXX. I was not at this facility on XX/XX/XXXX. I was at work. If I did need treatment, the facility they say I owe would be the last place I would go. I need this removed from my credit report ASAP. I have been working to repair my credit for the last five years and it was very good until this was reported without validation.
Consumer complaint received 2021-01-29
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. (CA)

This isn't denying the debt debt but to report that XXXX XXXX XXXX is reporting inaccurate and inconsistent information across all three credit bureaus which all information being reported to the credit bureaus must be 100 % accurate. Numerous violations are in place and even though XXXX XXXX XXXX is not a debt collector per the FCRA all information being reported must be 100 % accurate which is a fine of {$1000.00} per violation. XXXX and XXXX  reports a high balance of {$16000.00} while reporting {$12000.00} on Equifax. This inconsistent reporting is hurting my credit score and even causing me to get higher loan rates by having a higher debt ratio on my report by when loan officers compare my income to debt ratio it'll look higher at {$16000.00} vs if it's indeed {$12000.00}. This reporting also has caused me to get denied job opportunities by XXXXPD and others by having inconsistent information on this account and having charge off payments being reported when it's not supposed to once the account is closed no late payments are suppose to be reported per the FCRA. The Date Of Last Activity for XXXX shows XX/XX/XXXX while Equifax shows XX/XX/XXXX and XXXX  showing XXXX. This account on XXXX  and XXXX  shows a later date of last activity which is inconsistent with all three bureaus and is in violation with the FCRA by the accounts would be ILLEGALLY re-aged on how long they would stay on the report. If all three credit bureaus are getting their information from the same creditor how is it that they're all reporting inconsistent information. Equifax shows this account was an auto loan when in fact it's an Lease as shown with XXXX  and XXXX, The payment history across XXXX and Equifax are both inconsistent and shall show with the attachment highlighted. 




I've disputed this account previously back on XX/XX/XXXX and the creditor bureaus and XXXX did not update the date last date Verified which is a violation with the FCRA by which they're suppose to update the account each time when the file is disputed.
Consumer complaint received 2022-08-29
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. (GA)

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

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