davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.
Consumer complaint received 2018-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

I have been having major issues with Navient ever since they acquired theses student loans from XXXX. I have tried to put these student loans on an Income-Based repayment schedule at least twice and now they are saying that I am at least 60-days past due!! I do not understand what is going on. Please see the time line listed below : 1. Statement Date : XX/XX/XXXX : Navient stated that current and past due amount is {$0.00}. However, the letter also states that the amount payment due is {$250.00} in unpaid fees. How can you calculate this amount from a {$0.00} amount due? 
2. Date : XX/XX/XXXX : Navient stated that the 12-month IBR period will expire soon and to continue with the plan, please reapply XX/XX/XXXX. A IBR request was made on XX/XX/XXXX, so how is this possible? 
3. Date : XX/XX/XXXX : Navient stated that on XX/XX/XXXX, the loans enrolled in an IBR plan is set to increase to {$1100.00}. 
4. Date : XX/XX/XXXX : Sent Navient another IBR plan. 
5. Date : XX/XX/XXXX : Navient stated that as of XX/XX/XXXX, the outstanding past due payment is {$1100.00}. 
6. Date : XX/XX/XXXX : Navient stated that the account is 30 or more days past due in the amount of {$2200.00}. 
7. Date : XX/XX/XXXX : Navient stated that the account is 60 days past due in the amount of {$2200.00}. 
8. Date : XX/XX/XXXX : Navient stated that the payment in the amount of {$3400.00} is seriously overdue- let us help. 
9. Date : XX/XX/XXXX : I sent Navient received a certified letter from me, demanding proof of these alleged proof of debt and charges As of today, Navient constantly call me at least 5 times a day and leave numerous voicemails on my cell phone. They are unwilling to abide by the IRB plan that I have submitted twice nor will they provide proof that they can collect on these accounts. I am having multiple health issues to the point that I just recently had to take sick leave from work!!!
Consumer complaint received 2020-12-16
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. (GA)

On my credit file its has inaccurate information that I have not every submit. It shows a name I never approved for use on my personal information. It is not my legal name. It should not appear on my personal records at all. 

Also known as XXXX XXXX
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion advertises FREE credit report. I went onto their website thinking I was getting a free credit report and they charged my credit card twice, once for the credit card and the other for credit reporting. This was very deceptive. I'm an educated man and they still got me to give them my credit card number thinking it was necessary for the FREE credit report. 

I contacted them with 24 hours of the error and they did not offer to refund my payment, but offered to cancel further charges to my credit card. 

What a good business model, pulling in potentially millions of consumers with the promise of a FREE credit report and then get them all for around {$50.00} before the consumer realizes what happened.
Consumer complaint received 2022-03-09
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)

I requested financing for a new phone through the carrier. They stated that they were unable to approve and I would need to contact Experian. I reviewed my credit on Experian 's site, and I do not see any issues that would prevent approval and my score is in an Excellent category. Upon talking to the carrier they stated it was still an Experian issue. I have tried to contact Experian and the chat function is never available, the phone menu only allows automated options that do not involve this issue, and there is no email option. Currently I am being denied for credit and I have no way of finding out why or resolving it ( again, no negative marks of credit and high score ).
Consumer complaint received 2019-04-28
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ECMC GROUP, INC. (GA)

On a letter Dated, XX/XX/2019, Educational Credit Management Corporation failed to identify itself as a creditor or Debt collector and conducted Bad Business Practices by falsely stateing that I must act quickly to avoid my student loan payment from going into default and tha, I have not made a student loan payment in six months. That can not be a fact because my student loans are already in default and, I have a payment plan with the Department of Education because of my disability that is payed every month. Educational Credit Management also falsely stated that it is the guarantor of my federal student loans, and has failed to send me a verification notice of the debt that it is trying to falsely collect and has violated several federal laws by not properly identifying it self as a creditor or debt collector in its letter. and has failed to send me any documentation to prove it is a valid debt.
Consumer complaint received 2019-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (KY)

In XX/XX/XXXX I had a cable account with XXXX XXXX XXXX XXXX  every month Bill would increase every month I called to have it resolved they would correct it.The following month same thing would happen and say they had no record of my calls this continued for 3months I finally told them I was cancelling paid my bill in full, and returned their equipment thru XXXX in that same week of canceling in their alotted time frame .Their claim is I owed for late equipment at the amount of XXXX .I went a year back in forth faxing my receipt from XXXX where I sent it back on time phone calls with every call no record of me speaking to individuals even when I would repeat their name and badge number. I recently found XXXX XXXX XXXX had sold my so called debt to ic systems which put a debt of XXXX on my XXXX XXXX report on XX/XX/XXXX. I placed a dispute with XXXX XXXX case number XXXX with no avail with that being said I don't feel as if XXXX XXXX investigated thoroughly partially being my fault I don't feel as if I gave them enough info but I did in fact try to contact them with more info and never received a reply thank you for your time and I hope if nothing else people will stand up against companies like XXXX XXXX XXXX I know I'm not the only one they have done this too.i have since then bought a house and all my debt is in good standing and on time..
Consumer complaint received 2018-08-11
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. (IL)

The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.
Consumer complaint received 2018-08-11
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)

I recently received a cash bequest which I used to pay off large amounts of debt. I did this for 2 reasons ... 1. I am now a retiree and I wanted to reduce my monthly outgoings and 2. I wanted to improve my credit score as I am about to purchase a new car ; I wanted to finance this. 

I paid off my ~ $ XXXX mortgage and my $ XXXX HELOC with XXXX and I paid off my $ XXXX Auto Loan. I still have another auto loan ( ~ $ XXXX ), a 0 % interest credit card with about $ 16k outstanding, my XXXX Platinum Card and I have no serious delinquencies. 

My initial complaint was with XXXX as they were still reporting my ~ $ XXXX HELOC as outstanding nearly 2 weeks after I had paid it off and this was affecting my credit utilization which was at 51 % before the loan payoff was acknowledged ; this gave me a credit score of around 700. I applied to XXXX XXXX for an auto loan for my new car and I was turned down flat by every lender. I was told that my credit utilization was too high. I complained to XXXX and the Credit Reporting Agencies that old data was being reported and this was detrimentally affecting my ability to borrow money and XXXX fixed the reporting on their end. 

I didn't need my HELOC anymore and I was not going to use this for my Auto Loan as the interest is too high and it's an adjustable rate. XXXX asked me if I wanted to close the account which, of course, I did as the account is redundant. Nobody warned or advised me that this could have a damaging effect on my Credit Rating.

Once TransUnion acknowledged that the loan had been paid off, they sent me a mail alerting me to a change in my credit score. I had paid for credit monitoring and I logged into my dashboard to find that my credit score had dropped to XXXX. I called TU to discuss this and I was told that the act of closing my HELOC was/is viewed negatively but they were unwilling to explain why. 

I have an excellent ( 24 year ) record of responsible borrowing and on-time payment. I now own my house free-and-clear ( ~value $ XXXX ) and my current car ( ~ $ XXXX ) and I have liquid assets of around $ 450k and semi liquid assets ( investments ) of around $ 450k. 

Why did XXXX not warn me of the potential negative outcome of closing my HELOC account? 

Why am I being penalized for paying off my debts? I can now no longer borrow money at all. If I could borrow, it would be at exorbitant rates of interest. 

How can this be fair or even legal? 

Why are people not given clear information on what affects their Credit Ratings so that they can make the appropriate decisions? I would not have closed my HELOC account if I had known that this would cause my credit score to crater. 

It seems that I am being blackmailed into staying in debt to avoid my credit rating being damaged ... this is extortion.
Consumer complaint received 2018-08-11
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. (LA)

I noticed unauthorized inquiries had been made by different companies below. I contacted them all already and asked them to remove their credit inquiry from my credit profile. I am request that you initiate an investigation into each inquiry on my credit report to determine who authorized the inquiries. If the companies can not provide a actually sign contract or piece of paper of my signature authorizing each inquiry, I need them to remove each inquiry from my credit file and send me an updated copy of my credit report. 

XXXX XXXX  -XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX   - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  -XX/XX/XXXX
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I sent a dispute to Transunion to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/XXXX via certified mail. Based on the tracking number Transunion received this dispute on XX/XX/XXXX. I received no response from Transunion, so I sent a follow-up request on XX/XX/XXXX. Based on the tracking number Transunion received this on XX/XX/XXXX. As of today, I still have not received a response from Transunion in regards to my dispute. According the Fair Credit Reporting Act, they had 30 calendar days to respond to the first dispute sent on XX/XX/XXXX and received on XX/XX/XXXX. At this point this needs to come off my credit report as they have not responded. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of XXXX. Two attachments are the confirmed delivered receipts for each dispute. Transunion has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My collections were deleted through the credit consumers but does not show on my credit report through the credit bureaus. These actions of debt removals were taken in the month of XX/XX/2019. and the action that was taken was collections being disputed and then deleted, I have documents to show.
Consumer complaint received 2020-02-14
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT EDXXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXXXXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX    XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2022-02-06
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. (NY)

XXXX is reporting to all credit bureaus XXXX, XXXX and Experian that my closed acconts as open and on time. This is a breach of information and fraudulent. My accounts can not be open and closed at the same time. This is accurate and a closed account is not active. These practices must be corrected. This is a clear violation of the FRCA. XXXX is reporting empty remarks which is hurting my account. XXXX is reporting closed accounts with remarks that are not there.
Consumer complaint received 2018-08-11
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. (FL)

Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )
Consumer complaint received 2018-08-11
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. (OH)

The names of XXXX XXXX XXXX or anything XXXX  related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/XXXX ( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: St.John Cobb Inc (NC)

I am requesting an immediate deletion of a DEROGATORY PUBLIC RECORD OR COLLECTION FILED note in my credit report. XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX ) is failing to acknowledge that the debt that they are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX ( of XXXX XXXX XXXX XXXX XXXX NC XXXX ) is inaccurate and that they should not have placed it into collection and reported to XXXX. 
I have repeatedly informed them and their client ( the XXXX XXXX office ) that the Insurance ( XXXX ) indicated by a letter ( see attached ) that the XXXX XXXX office failed to verify the eligibility of my son for the treatment. I also acknowledged that I failed to do the same and accordingly offered to pay half the amount. 

The XXXX XXXX  office should have acknowledged their mistake in handling the insurance eligibility verification and should not have sent the account into collections when I had offered to resolve the issue by offering to pay for my portion of the mistake. The collection agency - XXXX XXXX XXXX - should do a better job in verifying the accuracy of the claims before reporting to credit bureaus.
Consumer complaint received 2018-08-11
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. (MA)

I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/2017, I used my Chase VISA card to purchase interstate moving services from XXXX XXXX XXXX XXXX. I made cash payment for the services to XXXX XXXX  XXXX XXXX, but the merchant charged my VISA card {$810.00} as well. I spent several months trying to resolve the issue with the merchant, but the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in an attempt from Chase to reach out to me for further information or clarification. In fact, Chase sided with the merchant on the dispute. In addition, Chase appeared to be 'pencil-whipping ' through the previous CFPB dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling or unable to perform additional research or due-diligence with respect to this transaction.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I was a Bank of America customer for almost 13 years, and after fraudulent activity caused an unused checking account to be closed, Bank of America reported the account to XXXX as " account abuse ''. I attempted to resolve this with multiple points of contact at Bank of America via XXXX, Email, Phone, and Personal E-mail. Today XX/XX/20, I was told by XXXX XXXX of the Client Care Executive Response team that despite the fraudulent activity, they would not remove the report from XXXX even if I agreed to pay to outstanding balance. All of this because I had moved and was not made aware of the closure when this occurred. I understand that I bear a certain amount of responsibility for not ensuring the account was closed prior to this, but they will not even attempt to come to a compromise. They think it is more important to prevent me from opening an account at any other bank than recovering their lost funds which makes no sense to me. Is there ANYTHING you can do to prevent the absolute miscarriage of justice from standing?