davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
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: Allied Collection Services, Inc. (Nevada) (CA)

Was immediately contact by 3rd party agency last week on acct, advised on first call I want to work out arraignments and advised will not be on credit as long as arraignments are worked and and kept and not even one week later it is reporting on my credit as derogatory. This is misleading and unfair, do not tell me I can avoid having the derogatory when I am clearing working on a resolution then go an report the derogatory anyway. Unfair and unethical I am furious
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted a complaint on XX/XX/2024 ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/2024 at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, Equifax and XXXX to notify them that this account should be removed from my consumer report IMMEDIATELY.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization.

In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 

The accounts that need updating are 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 2018-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

On XX/XX/2018, my automated payment of {$220.00} was inappropriately allocated toward only two ( 2 ) of my seven ( 7   ) total Federal loans. {$92.00} was allocated toward loan # 2  ; {$130.00} was allocated toward loan # 4 ; No payment was allocated to the remaining 5 loans ( {$0.00} ). I did not request that payment be allocated differently, the Servicer simply misallocated the funds.
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

Upon reviewing my credit report after receiving an alert. MIDLAND FUNDING placed three ( 3 ) collection accounts on my credit report. MIDLAND FUNDING violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did MIDLAND FUNDING violated my rights, MIDLAND FUNDING also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.
Consumer complaint received 2018-04-15
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. (TN)

Someone tried to use my identity causing collection and hard inquiries. I called TransUnion and they would not remove these. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2018 I received an updated credit report from XXXX   and XXXX and noticed Capital one is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a Capital one representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

I was a victim of id theft regarding a purchase/lease of furniture thru " XXXX XXXX XXXX XXXX? '' ( XXXX XXXX XXXX ) in XX/XX/XXXX (? ) in XXXX, Ca. for {$2000.00}. Was completely unaware of transaction. Someone was able to access my credit files and got approved online or in store by instant credit? In XX/XX/XXXX I received a letter from debt collector Halsted Financial ( XXXX, Il ) to settle for {$1000.00}. I responded within 30 days disputing debt and requesting all documentation of said purchase, as allowed by law and FTC rules ( purchase receipt, delivery info, phone #, etc. ) Sent proof of id, letter and cc of FTC rules to Halsted ( XXXX XXXX ) in XX/XX/XXXX 

NEVER HEARD BACK. For over a year, Halsted personnel/ telecallers have called/texted repeatedly to attempt to collect on the above id theft debt using abrasive, threatening, and deceitful phone calls and messages. Will not reveal their name. Impersonates or implies connections to law enforcement, the DA, or a law firm. HAS CALLED relatives ( huge violation of Fair Debt Collection Practices Act.. ) Yells my social security number and date of birth over the phone and says " we have a team looking for you! '' I am XXXX years old, a XXXX and XXXX XXXX. This doesn't work on ME -- but what about a vulnerable senior? Also -- YELLS instructions to call out of state phone numbers to provide credit card info. I have saved voice mails of all above. 

Goon-like, BELLIGERENT and illegal debt collection activities. Have resent them ( to XXXX offices on XX/XX/XXXX ) cc of all docs from XX/XX/XXXX ( id theft report, etc. ) and will contact state, city, and federal authorities in Illinois, including the XXXX County DA,  The XXXX County dept. of Senior Services, the city attorney, the Illinois state Dept of Aging, and the state AG.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

I notified JP Morgan Chase Bank that I was going to receive a wire transfer from the sale of my home and the bank return the wire transfer WITHOUT NOTIFYING ME IN ADVANCE- I followed their wiring instructions with in my specific account posted under all of my account number information, and i notified Chase in advance of the transfer- and they purposely rejected the wire transfer creating a convenient overdraft issue for the sole purpose of obtaining additional fess from me.
Consumer complaint received 2019-05-03
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. (NV)

Chase XXXX Reward card was activated in my name without my consent. Card # XXXX Phone # XXXX. There was also {$49.00} billed to the card. I have called the credit provider several time over the last month & no one will address my concerns. 

The address used by the person who activated the card was : XXXX XXXX  XXXX XXXX XXXX, Co. XXXX
Consumer complaint received 2018-09-01
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: HYUNDAI CAPITAL AMERICA (PA)

Hyundai XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with XXXX and Hyundai, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and Hyundai refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that Hyundai posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I have a claim for a dispute of XXXX these were fraud charges and have been calling and working with Bank of America on it. I have sent in documents and police reports for this claim to be told they havent received documents when I sent them from a local branch. I have been in this for more than 90 days and every time I call they tell me they are still working on it or its in reconsideration
Consumer complaint received 2018-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (AL)

Back in XXXX I had an offer on my house to sell it. I am in a Chapter XXXX bankruptcy. I requested a payoff amount from Ditech Financial and they provided me one that was incorrect. I sent notification of my concern to Ditech. I used the payoff amount anyway and wanted to settle up after the close rather than delay. The closing was postponed until XX/XX/XXXX. I requested another payoff and the Ditech then sent a letter to the court saying wanted a hearing to make sure that I was selling the house for more than the mortgage which was a delay tactic since they had the signed offer and they knew what my mortgage was. They requested the hearing and it was set 2 days after my closing date! The buyers backed out and I was left with lots of expenses. I got a letter shortly after that from Ditech saying that they were in error on the first payoff and I was correct with my numbers. 
I have another offer on my house and I requested the payoff 30 days ago and have received nothing. I called this past week and they said they could not send me the payoff it had to go to my lawyer? This is after they had already sent me directly payoff information. I am being ruined financially and my wife is on the verge of a nervous breakdown. it is obvious that they are doing this with purpose and malice. What can I do. I am also giving all of the money I get from the closing to discharge the bankruptcy. So this is action by Ditech is preventing me from doing that as well. This is predatory. What can I do? I just want out and get on with my life. Please warn people about Ditech
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on TU and XXXX as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. Transunion didnt update after disputing, XXXX  has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. TU and XXXX  are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with TU due to these specific errors. Thank you for your time.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I've been attempting to resolve my credit file with Experian the last 6 weeks. Initially, my FICO was XXXX. Working with this agency CFPB, I've resolved 3 of 4 potentially negative Experian reflected on my credit report. In each case, Experian had misinformation regarding my file reflected ... XXXX XXXX , XXXX XXXX and XXXX XXXX . All issues were resolved with not a penny ligitimately owed from me. I have one other negative issue I've submitted to CFPB with loads of supporting documentation I believe will exonerate me from that misreporting as well. I spoke live to an Experian rep yesterday, as well as numerous times over the last 6 weeks abut my file and score. 
Experian is under reporting my existing credit by {$10000.00}, which, if accurately reflected would lower my credit ratio from 11 % to 7 %. My debt to income ratio is 1 % according to Experian. 
Given all the resolution work I've completed with all the incorrect reporting, my score now sits at XXXX with Experian. I am a small business owner and potential clients typically pull my credit score in evaluating using my company. This ridiculous low score, coupled with the absolute, unchecked, power the credit bureaus hold over so many aspects of our lives today by publishing incorrect and damning info on our credit reports borders on criminal. I've got a 34 year history of credit for mortgages, autos boats, credit cards ... ..never a late payment or collection. Experian counts this as irrelevant in their analysis on my score which is absurd as it documents clearly the fact I pay my bills on time, over an extended period of time.
Consumer complaint received 2020-02-04
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: TD BANK US HOLDING COMPANY (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.
Consumer complaint received 2023-03-23
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: GOLDMAN SACHS BANK USA (FL)

Goldman Sachs Apple Card has a sad history of ignoring and making it impossible to resolve disputes and frauds. Additionally, their dispute 'process ' is a fake scam where they do everything electronically EXCEPT they require people to print and snail mail documents for disputes placing an unfair, undue and discriminatory burden/roadblock for handling legitimate credit card disputes. Most people, especially lower income people, don't even own printers anymore and/or can not meet Goldman Sachs Apple Card ridiculous timelines. To add insult to injury, after sending numerous documents to Goldman Sachs Apple Card and following up with them, they just claim that they never received them. 

Goldman Sachs Apple Card has an ugly history of abusing consumers. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am a victim of identity theft and there are items on my account that do not belong to me.
Consumer complaint received 2020-02-04
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. (MA)

XXXX  and Experian are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.