davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.
Consumer complaint received 2016-03-08
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (CA)

I have asked Navient, who manages one of my student loans to discontinue calling me on at least 5 occasions and told them to make all communications in writing via US mail or email only. I am in the process of trying to get a foreberance approved, which I have run into several issues with paperwork and their lack of customer service is deplorable causing the issue to not be resolved still. I have also submitted an email request twice they refrain from harassing phone calls and they still have not listed to me.
Consumer complaint received 2017-08-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.
Consumer complaint received 2017-02-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.
Consumer complaint received 2022-04-05
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. (MN)

On XX/XX/2022, I sent out my dispute letters. 
Today, I received a letter from TransUnion saying they don't think it's me. 
I called transunion, and they repeatedly told me they had sent me verified results on XX/XX/XXXX, but all I received in the mail today was a stall letter, so they didn't have to do their job. 

I have attached my letters I sent out including the stall letter I got in the mail today.
Consumer complaint received 2020-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Hi : For the first time, I am receiving a demand for insurance coverages for an HOA master policy in connection with my condominium, and the mortgage. US Bank says they want master policy to name them specifically, and this isn't a reasonable request given every owner maay, or may not have a mortgage and with various institutions or entities. It goes further to demand they be faxed. Not all people have a fx machine, or copier, but no email provided to forward any docs. 

I personally feel it is not a reasonable request to expect a master policy specifically name US Bank, and any other bank or entity. This is in addition to the personal insurance coverages already on file. 

Please help, US Bank attitude hasn't been good, and I tried 3 times to address this, resolve this, and move forward, but I feel the bank/s feel they are in a GOD like position, yet they are humans on the Earth, nothing more, and would like reasonable requests where I might succeed without a hardship.
Consumer complaint received 2021-02-10
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. (MI)

I traded in my vehicle on XX/XX/2020 and immediately XXXX XXXX XXXX was notified and XXXX XXXX XXXX took possession. There is some obligation between XXXX XXXX and XXXX that is operating outside of my deal to trade and the vehicle is still not paid off. The dealership states that XXXX XXXX owes them {$60000.00} so they refuse to send in a check to pay off the vehicle. XXXX XXXX states that dealer services is handling it ... they are not doing collection calls YET they reported me late to the credit bureaus dropping my score 109 points. The dealership also listed the vehicle within days so whatever issues they have with each other ... I am the one being negatively impacted. In addition I am owed a refund for a warranty service plan that XXXX XXXX mandates because I cancelled immediately on XX/XX/XXXX when they opened. I have a contract showing that this vehicle was traded in. Trust me if XXXX XXXX even thought I had this vehicle they would have shown up to repossess it. XXXX of XXXX is culpable also. Two companies that I hope to NEVER do business with again. Unethical, predatory and disingenuous is just a few words that describe these companies.
Consumer complaint received 2023-02-08
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. (TN)

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following companies have appeared on my credit report without me having filed for them. 
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 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

over 20 year since collage all account is close and should be deleted from report every month there is an update but there is no change in report and i keep doing disputes like every month i think the department of education might have an illegal hold on my account i have contacted them on seval occasion
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Trans Union complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks
Consumer complaint received 2018-03-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (CA)

I have a Discover student loan current under repayment. The loan has been constantly increasing the APRs that are now around 9 % and the minimum payment is coming to a total of {$1600.00} per month. The company was providing me with a lower monthly payment ( {$1200.00} ) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. They have stopped the lower payment option and have demanded me to pay the total minimum of {$1600.00} since XX/XX/XXXX when I was told that after paying 6 full payments they would be able to lower the interest rates for 12 months, thus allowing the minimum payment to decrease to relieve some student loan burden. With the payment of this month ( XX/XX/XXXX ), I have now completed the 6 months full payment as they have requested and now after contacting them to get the 12 month lower interest rate, I'm being informed that I have no options available to me anymore and I either continue to pay the full amount or apply for forbearance which will only complicate things since it will only make the minimum payment much higher. All my student loans combined already come to a total amount of {$1800.00} which corresponds to more than 50 % of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food ... Discover has no interest in helping whatsoever even though they have already made tons of money on interests alone. The United States government should start a comprehensive investigation against this company which has been exploiting students all over the country.
Consumer complaint received 2021-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (MD)

On XX/XX/21 at approximately XXXX XXXX. I called New Day mortgage. Their agent XXXX XXXX answered the phone, he asked a few questions, told him I was looking for mortgage at 2 %. Did not finish for what yet! He asked for my & my wife 's social security # s. He then said I'll be back! After a few minutes he came back on the line, I asked him what he DID! Then asked if he did a credit check! Was I it soft or hard! His answer was hard! I Did NOT Authorize IT. I then asked him to spell his first & last names and his license #! He then told me we can '' t do bussiness! And hung up!
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (TX)

Amazon said I would get {$50.00} if I applied for a Chase credit card. Chase delayed the card and I have not received the {$50.00}. Chase sent me notice on XX/XX/XXXX, that they needed more information : 1 missing date of birth 2. Proof of billing address 3. A copy of the letter On XX/XX/XXXX I went into a Chase bank in XXXX, Texas and they faxed a copy of my drivers license, which includes my birth date and address. 

I received no response and on XX/XX/XXXX I called and they said they did not receive any information. On the same date I went back into the Chase bank in XXXX, Texas and they again faxed a copy of my drivers license. 

I have not received a response. 

I am XXXX years old.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Collection Service (FL)

In XXXX of XXXX I lost my job due to COVID and was required to move across country to survive. I was told by my landlord that I could find a pay XXXX to list my home again and get out of my lease only paying anything my deposit didnt cover. They never listed my home, I found the renter personally on social media, then we were responsible to show them the home. The company fulfilled none of their duties for the money I was required to pay. The renter loved the house, I had the home cleaned and the renter wanted a wall mural ( removable ) that we had on the wall. The rental company employee XXXX said all of this was fine. We had the bone cleaned and it was in Better condition than my move in condition : I have photos. Of move in and video of move out. 

XXXX called me on XX/XX/XXXX said everything was perfect they found a renter and I was good to go. She asked me to have the utilizes shut off on the 1st. They then proceeded to retain my entire deposit and attach this monies to my credit report stating gone in disarray and damages and that they could not move the renter in on time. 

I requested specific invoices and proof of said damage and received nothing. My calls were avoided. They have never sent me any verification of the damages or invoices for the repairs that were made to take the entire deposit and I dont care, they can have it, I do care however that they are bullying me through my credit report and have never sent me anything to validate the amounts they put on my credit report. 

I want to be done with this company I refuse to pay more money that they are trying to fraud from me and I want the manipulation of my credit report to stop.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

In the XXXX credit report for a closed mortgage account with CHASE MTG the STATUS says " 120+ DAYS PAST DUE '', and in the details inside had the comment " Paid after forclosure proccess initiated ''. I have tried unsuccesfully to fix this innacurate info three times in the past 6 months. First, the Status is incorrect because the account was settled and closed with a Short Sale agreement. I called XXXX and they said that " 120+ DAYS PAST DUE '' is the " Condition of account when last updated by creditor or otherwise '' Second, the inside comment is not relevant nor accurate, because the settlement supersedes any other previous condition in the account, and it should be AT LEAST mentioned in the report. Chase itself afirms in the answer to my complaints : " Were required by the Fair Credit Reporting Act to ensure that our credit reporting is accurate. '' How accurate a report can be if fails to mention the current status and includes a comment about a condition that not longer applies?