davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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)

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2019-08-31
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. (OH)

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX  XXXX none of these are accurate please delete.
Consumer complaint received 2019-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.
Consumer complaint received 2019-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

AMERICAN FIRST FCU ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-07
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. (MO)

Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

My credit report is showing two debts in the amount of {$1500.00} & {$78.00}, with no account numbers reporting to my credit reports. I tried to validate these accounts years ago with no avail. I was never sent anything that validated that these debts belong to me. However, in the past, I was sent a release of medical records to validate such debt. I shouldn't have to release my medical records to allow a debt collector to validate a debt. That is very personal and inhumane. I would like for the company to validate such debts by showing legal documents, the original bill, my signature on such bill with amounts owed to validate such debts. All contact is to be made via this website. DO NOT CONTACT ME BY PHONE, MAIL, OR EMAIL. Please upload documents here with your response.
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BCO Consulting Services (IL)

This company BCO CONSULTING SERVICES provided me with information for forgiving my student loan. I set up for them take money out of my account to pay the loan. I was told by XXXX that this is a third party company and it was not a good ideal.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ronald H. Reynolds, Inc. (PA)

XXXX XXXX XXXX filed a Garnishment in XXXX  XXXX in which I do not live in XXXX XXXX at the time filed. My past employee was XXXX  XXXX in which I work for when I lived in XXXX XXXX. Also I lived in PA for over 3 years in which a Garnishment is not vaild unless owed for Residential lease, Restitution for a crime, Owed Student Loans or Income Taxes, or State Taxes. Title III of the consumer Credit Protection act. Ronald Reynolds File in XXXX XXXX as if I work in XXXX XXXX and a resident at the time of filing in which bi was not giving a notice to after all the court papers was filed.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In mid XXXX, I opened a checking account with HSBC. As part of a promotion, they said they would provide me a {$350.00} bonus for keeping {$10000.00} in the account or combination of linked accounts for 90 days. I opened the account and my $ XXXX deposit posted XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of HSBC contacted me and said if I opened a certificate of deposit and moved the funds to it, they would still count for the bonus as the CD is considered a linked savings. I have this in an email. The money was transferred XX/XX/XXXX and remains there now. It has been well over 90 days and I have not recieved the agreed upon {$350.00}, and my attempts to contact HSBC over online chat have gone nowhere. Please assist. 

Note : The balance of my checking account is only {$50.00} because I moved the $ XXXX to the CD account, but the accounts are all linked.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

My Debit card was stolen and my personal information was compromised. someone took my credit card on XX/XX/2018. They made 3 charges in the amounts of {$190.00}, {$470.00}, and {$460.00}. at a XXXX XXXX store more than 30 miles from my home. Chase helped me and credited me the account loss. Then I checked my bank account on XX/XX/2018, and noticed chase reversed all those charges back and took all of the money and put my account negative. I called Chase, and they state someone had my pin #. So therefore its not chases problem anymore. the lady was rude and inconsiderate. Chase made it very clear that someone who stole my card number and Pin were not their problem anymore. even though they credited me the amounts over a month ago, Chase 's fraud department ruled it not fraud, and expected me to eat the {$1200.00} dollars
Consumer complaint received 2019-08-31
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. (CA)

I AM FILING THIS COMPLAINT AGAINST TRANSUNION WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY TRANSUNION COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT ADDRESSES ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CarMax, Inc. (AL)

In XX/XX/XXXX a person claiming to me bought a car at CarMax in XXXX, FL. I did not know of this until XX/XX/XXXX when I was notified of an eviction from an apartment lease. Once finding out that my identity had been stolen I immediately filed an FTC report and notified the XXXX Police Dept. Since this time I have contacted all three credit reporting agencies to dispute the accounts as not mine based on identity theft, but Carmax always veririfies the information. 



Attached is my FTC Report.
Consumer complaint received 2019-08-31
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)

I AM FILING THIS COMPLAINT AGAINST EQUIFAX WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EQUIFAX COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER AND THE NAME LISTED ON MY CREDIT REPORT IS INCORRECT. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES, INCORRECT ADDRESSES, INCORRECT EMPLOYMENT INFORATMION AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.
Consumer complaint received 2019-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I have 4 loans with Navient. 3 of them are current. The other one is behind. I am constantly getting phones several times a day from Navient. Most of the time automated but theres times theres a human on other end but doesn't leave a message.

Today alone I received 6 phone calls. I am aware that I owe the debt. And once a payment is set up via the website that should stop the calls but it doesn't.. There is times I even receive calls before 8 am my time which I am in California and is clearly violation of collection laws.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 I paid Capital One {$220.00} for a previous balance owed from many years ago. Afterwards I received a confirmation letter from Capital One dated XX/XX/2018 stating the account was complete and settled. 

My problem is the derogatory mark continues to show on my credit report as of today XX/XX/2018. The Amounts Owed category makes up 30 % of a credit score as a result this mark is keeping my score low. It doesn't look favorable to future lenders. 

This was paid over 6 months ago. I am asking please delete this completely so it doesn't show on my credit report at all. I need my score to increase for future business plans. 

Best regards,
Consumer complaint received 2019-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In 2015 when I was XXXX  with a high risk medical condition Navient steered me into forbearance as opposed to a {$0.00} IBR payment option that was available to me. I have been continuing discussions with a Navient Advocate who is deceptive and strings me along with no response. Ive asked for the recordings of my calls and Navient refuses to give them to me that prove their deceptive trade practices. I have everything in written emails.
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : ACI # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM FILING THIS COMPLAINT AGAINST EXPERIAN WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EXPERIAN COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.
Consumer complaint received 2018-05-15
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. (CA)

Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.
Consumer complaint received 2018-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

The company Wellsfargo Dealer services continues to withhold funds over the 120 day threshold they claim they have with North Carolina consumers, which is of my refund of {$290.00} or more... 

XX/XX/2021 the XXXX was canceled in writing. The loan was paid off prior to Wellsfargo receiving the check in my name from the dealership ; the check should have been sent back to the dealership in NorthCarolina, instead Wellsfargo stole the money and kept it without cause and refuse to release the funds, although it's well over 120 days, and XXXXdays past their 120 day rule.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I signed up for a credit card with Synchrony when purchasing furniture from XXXX XXXX XXXX. I signed up for a promotion of one year no interest. I then proceeded to sign up for autopay for my monthly payments. Today, I noticed a jump in my credit card statement which got my attention. I called the company and learned that the promotion was over and I had been charged back interest and a 29.99 % fee as well. My balance increased by {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

I understand I had a contract but I did not notice the promotion ended because I had signed up for autopay and missed the warning they provided in XX/XX/XXXX and XX/XX/XXXX 's statements. The only reason I noticed was the outrageous increase in my balance on my monthly email notification about my autopayment. 

I think credit card companies should have to notify you in the email autopayment that your promotion is coming to an end and to log in and view the statement. Most consumers do not look at the statements once enrolled in autopay and the credit card companies have an obligation to be more forthcoming. A consumer is likely to forget as I did when the year is up especially when using autopay. 

I spoke with Synchrony and tried to work out a deal to pay the amount off as of XX/XX/XXXX in full if they would work with me to waive the added interest and additional fees associated with a 29.99 % interest rate.They said they could not do that, the most they would do is waive a fee of approximately {$150.00} if I paid off a second charge that was also a smaller part of the total.
Consumer complaint received 2018-11-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc (AL)

This company Astra Recovery is starting up there illegal tactics again calling and harassing me, my job and now my mother. I keep going through this with them and they keep stating there not contacting me, but this time they are and I have witnesses that is willing to provide a written statement and get it notarized if necessary along with there statements on how this company is portraying themselves as lawyers getting ready to sue me in the court of law.
Consumer complaint received 2019-05-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is to the dispute the inaccuracy of a closed account with Capital One Auto Financing, account number XXXX. It shows that this account became a charge off when in fact this account was paid off on time. XXXX was the only bureau that had it correct as paid as agreed. As of today XXXX status has changed to paid charge off after being closed for 2 years. This is reflected on all 3 bureaus, XXXX, XXXX and XXXX XXXX which is affecting my score and credit worthiness. I had not missed a payment or ever been late and all of a sudden on the very last payment it shows I didn't pay on time. I have proof that this account was paid on time according to my bank statement. 
I ordered a transaction history report from Capital One Auto Financing that shows inaccuracies regarding their reporting to each of the bureaus. For example below are a just a couple of inaccuracies I discovered. 
In XX/XX/2015, XXXX Report shows ND for no data recorded. But when you look at the Capital One Transaction History Report, a payment was recorded XX/XX/2015. XXXX XXXX shows a payment for XX/XX/2015. XXXX  does not. XXXX   shows all payments recorded correctly. 
Next one in XX/XX/2015 XXXX XXXX Report shows NR ( not reported ). But when you look at the Capital One Transaction History Report a payment was recorded XX/XX/2015. XXXX  shows a payment for XX/XX/2015. XXXX XXXX does not. XXXX   shows all payments recorded correctly. These are just a few of the inaccuracies there are many more that follow.