davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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. (FL)

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Consumer complaint received 2022-05-06
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. (GA)

I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On or about XX/XX/2019, I filed with StudentLoans.gov my yearly information for Income Base Repayment ( IBR ). All of my servicers of my Federal Stafford and equivalent loans accepted my information distributed to them by this process with the exception of AES. 

A brief history of my issues with AES includes a complaint filed with this Bureau last year which included my supposition that AES is perpetuating a fraud on borrowers by denying IBR so they may capitalize on the interest, make that part of the ongoing balance, and then charge more interest on the increasing balance by capitalizing the interest. This is a very sneaky and complicated process for them to capture more income from the interest. This needs to stop and eventually I was approved for IBR but only after they stated that they could not : '' walk back '' the capitalization due to banking regulations. 

Therefore, I am writing again this year to state that AES has denied my IBR due to being " not eligible '' although not explaining why this is the case. I pause here to state that NONE of my other student loan servicers had issue with my IBR application and approved it with no issues. However, I continue. 

I called AES, stated that the phone call was being recorded for quality assurance and they stated to me that they do not allow calls to be recorded but then stated that if I wanted to record the call that I needed to speak to a supervisor. After speaking to this supervisor, they stated to me the only thing they could do is request a review of the IBR application and file a forbearance application to allow my account not to be charged a late fee. The late fee would be assessed because their processing time for the request would be 10-15 business days which would put me past my due date. I requested the department 's number that could review and change my application status to approved and they refused to give me this information stating " I have done my best to resolve your issue and once you receive the more detailed explanation if you disagree you can call back ''. This is not helpful since that is what I did this time! 

Persuant to the IBR website I meet all criteria and my payment would be significantly lower than the payment AES is stating. I do not need to go into the epidemic that is student loans so I will suffice it to say that 3 out of 4 loan servicers had no issue with my IBR application and approved it. AES is the ONLY one that seems to have issue. They are doing this to capitalize and then charge more interest, simple as that!
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
Consumer complaint received 2018-05-03
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: JPMORGAN CHASE & CO. (CA)

I was asked by Chase bank to give my SSN, as part of the Chase process for a credit card application for a Business. I communicated to Chase bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at Chase, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXX represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

Chase despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least XXXX and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by chase and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' chase is reporting as PERSONAL. Chase is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with Chase card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where chase was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising chase, I do not want to be called on my Cell, and I live in California Chase continue to call me. This is unlawfull, as I have withdrawn all consent for Chase to call me on a personal cell.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MS)

I am in receipt of a follow up dunning notice dated XX/XX/2021, that was mailed to me after XXXX XXXX documented and signed for my certified letter to their company on XX/XX/2021, which was to CEASE and DESIST and provide me with validation of debt under the FDCPA. l had sent this letter within the allotted 30 days of their original notice to collect a debt. 
I placed a call to you XXXX XXXX on XX/XX/2021 which was on a recorded line in which a manager XXXX XXXX stated in fact that the dispute letter was on file, but XXXX XXXX had sent another dunning notice. I had requested proof of debt including contract signature, signed purchases and other. As of this letter, I am not in receipt of any such demands. 
XXXX  XXXX did not send any validation of the proposed debt and did not cease and desist all collection activity regarding my request but rather sent another dunning notice which is clearly a violation of the FDCPA. Furthermore, the representative that took my call neglected to read me the mini-Miranda and verify my identity although we were discussing the proposed account which is another violation of the FDCPA. Not until I spoke to XXXX XXXX was my identity verified. 
XXXX XXXX violated the law when they sent me another bill and clearly disregarded my request to provide to me validation that I owed the debt,
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Please note that this complaint is against BB & T : On XX/XX/XXXX I attempted to transfer {$1500.00} from my XXXX XXXX account to my BB & T account. I tried to use my BB & T debit card on XX/XX/XXXX and it was declined. I checked my account and the tranfer had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from BB & T. I have transferred money before and this has never been a problem. 
I called the former bank to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be transferred from BB & T. According to the agent I spoke with, the transaction was cancelled. 
Fast forward to the XXXX and I am not showing the transfer in the XXXX XXXX account but I am still showing a negative balance in my BB & T account. 
I have called both banks numerous times. BB & T states that the transfer has gone through and that the bank that was supposed to originally transfer the funds has the money. This institution has no documentation or evidence that this transaction even occurred. 
Please note the attached screenshot that is the only evidence that I have. It shows the wrong transfer from BB & T to the original bank that was supposed to transfer the funds. 
It is very disappointing that, today, in 2021 a bank does not have the capacity to help its clients resolve such an issue. I have had a negative balance in this account for over a week BB & T has no recourse to offer.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My family of XXXX and I had a land contract scam and must purchase a home by XXXX XXXX. I am currently XXXX points from pre approval which is what we need to start shopping. I found out that even though I was paying XXXX XXXX on time weekly auto pay, there was a week that did not go through and rolled over. Due to that my car payment is showing FIVE late payments. XXXX Once we corrected and figured this out, we made sure to pay XXXX and XXXX to have this update ASAP ON ALL THREE BEUROS. I always paid toward my secure credit card debit which is the only item I owe for. XXXX now is showing XXXX and my usage at 50 % and XXXX at XXXX and 3 % usage! I paid XXXX twice to update my scores early to get the XXXX point needed to get that pre approval and for the loan officer to see my scores at XXXX. After paying twice and seeing the changes on XXXX XXXX points and XXXX, Transunion has STILL not shown these updates! I feel as if XXXX lied as I was told they only have control over their scores, but promoted all THREE updating early rather than in 15 days!? Also after contacting and unlocking my online account on TransUnion, I was told only a dispute will get them to update and report correctly? I am unable to dispute due to the fact that we are trying to purchase mortgage and my loan office said not to dispute anything! Please help me get this score to show correctly. I am playing down my secured credit card below 50 % now and everything else has be and show paid off or has been current! The medical bill is currently supposed to be taken up as I had insurance. I need transunion or XXXX to be at at least a XXXX for us to both be pre approved and due to being uneducated, we were scammed when we attempted to buy this land contract and home and we are in a time crunch! Thank you! XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-05-06
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: NCB Management Services Inc. (PA)

XXXX XXXX is reporting from an account that was opened almost 9 years ago and thus should be removed. 
NCB is reporting collections for the XXXX account and is double reporting the XXXX account that should also be removed.
Consumer complaint received 2022-12-15
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. (TX)

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 Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (KS)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXXXXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-10
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. (TX)

All three credit bureaus are not showing 2 checking accounts I have had for years. The XXXX XXXX XXXX XXXX is one XXXX XXXX  XXXX XXXX XXXX is the other. I also have a loan and utilities are paid with the XXXX XXXX XXXX XXXX account. I own three lots on XXXX XXXX in XXXX Texas that are title and deeded to me. I also lease a lot on the lake through XXXX county Texas. I own a single wide trailer, a pontoon boat a seafood, a 2013 XXXX XXXX, a 2000 XXXX XXXX, a 1965 XXXX XXXX. None of this is reporting on any of my reports so I am turned down for credit cards and for loans because the bureaus have no credit or FiOS score for me because they are not reporting any of my history. I have contacted and worked to get old debt stuff changed and personal info updated.
Consumer complaint received 2022-12-15
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. (TX)

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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7300.00} ; XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} ; 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 2023-03-16
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (DC)

I purchased a new car and traded in the one that I had with Skopos Financial LLC. in XXXX and the car I had with them ( the loan ) was paid off in full. Unfortunately is is being reported on my report as closed and not paid in full and I have asked them repeatedly to correct and to date they have refused to do so. I have the letter confirming it was paid in full and not closed and want them to update my report accordingly and the letter indicates.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX Balance Owed : {$1300.00}