davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (TX)

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (IA)

I received a XXXX XXXX XXXX  XXXX  statement in the mail that I never applied for. There was a charge for {$150.00}. This account was not opened by me on XX/XX/2022 for a purchase I never made. I called the operator number XXXX listed on the statement to protest this account being opened in my name and the operator told me that my phone number is not on file. She asked me for my phone number and I gave it to her but I think that was a mistake. She said that it was a fraudulent account and that she would send me a form in the mail from the company to fill out to contest the fraud. I am waiting for that letter but I am not confident that this is a legitimate company.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I filed a compliant on XX/XX/XXXX against Bull City Solutions and they still failed to provide with proof of the debt that they insist that I owe. I thought the purpose of filing a complaint for them to prove that I was responsible for the debt. I was in violation of my HIPPA because at no time did they provide proof that I signed documentation with that company to have authorization to handle anything that pertains to my name. My compliant was closed with them not even providing proof and I thought this was the steps to resolve this issue. I am not responsible for this debt and they have yet to show proof. I have provided what I said and their response. It can not be as simple as them saying that they have information that I already requested now say simply they have documentation that they never provided. I want resolution to this issue. I want a document with my license and signature authorizing that I have a account with them. If they can not produce the requested information I want those accounts deleted from my credit reports with all agencies. 

My initial response with compliant number and the responses Compliant number XXXX On XX/XX/XXXX, I sent a certified letter to Bull City Financial Solutions . The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/XXXX. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me. 


Bull City Response : Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Copies of her driver 's license off our clients system has been sent as further proof the debt belongs to her. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$3600.00}.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, division of childsupport has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (AL)

At XXXX this morning, XXXX XXXX, I was contacted by Conn 's XXXX, under phone # XXXX. This was the first time they had ever contacted me. The CSR I spoke to stated an account had been opened using my name, DOB, and SSN under Invoice # XXXX and it had a balance of {$340.00} on it. He further stated the last payment received was {$50.00} on XX/XX/XXXX. He would not provide details with regard to the merchandise purchased, when or where it was purchased, and his " supervisor '' gave me an email address of XXXX, for any police reports. 

This account, if it exists, is fraudulent or a scam, and I DID NOT authorize its opening and have filed reports of identity theft with our city police and county sheriff. I am requesting the contact information to report fraud to Conn 's and I will send copies of the reports once an incident number has been assigned to them. I have long had freezes, security, and fraud alerts on all my credit reports for years, and further verified on those reports that ALL the accounts I've had with Conn 's between XXXX thru XXXX, are paid in full and closed.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-06-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About two years ago, I put up an artificial tree for sale on XXXX. And almost immediately after doing so, a person claiming to reside in Florida wrote to me implying that he was interested in my merchandise and that he would send me a cashier 's check that should arrive shortly. As promised, the check arrived but I was shocked to find out that the check was not {$250.00} as advertised on my XXXX, but much more ; about {$1500.00} more! To be completely honest, I did have my suspicions especially when he/she told me to keep however much I thought I deserved but to mail the rest of the money to another location in Texas but blinded by my circumstances at the time, I shrugged it off convincing myself that things like this do happen. So I complied. I deposited the check to the Bank of America and later withdrew just about {$500.00} with plans to mail it as soon as I had the time to go to a money order facility. A couple days later, my friend who was familiar with posting items for sale on XXXX, informed me that this was a scam and that I should return the money to the bank and explain to the representative about the fraudulent check before it was too late. But when I went to the Bank, they promptly and quite rudely told me that my account was closed without any explanation and asked me to leave. I was infuriated but did as asked and thought nothing of it. But because of this incident, I am unable to open a bank account and now realize the sheer gravity of my mistake. I do n't have any documents to support my claim for it has been two years since the incident and since then I 've changed my phone and phone number multiple times. I swear on oath that my statements are true and would willingly go to Jail if proven otherwise.
Consumer complaint received 2022-03-03
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: Exeter Finance, LLC. (NV)

I paid off my car loan via bill pay with my bank, XXXX XXXX XXXX XXXX. Instead of releasing the title to me it was released to XXXX XXXX. Remember, bill pay checks are from the account holder, NOT the bank or financial institution. I was in the process of negotiating a new car purchase but could not continue without the title. I spent over {$100.00} to get the duplicate title from Nevada DMV. I have requested reimbursement from Exeter because it was their error. It took Exeter a month to provide me my title and in the mean time I has gotten the duplicate from the Nevada DMV making Exeter 's copy moot. 

Today, Exeter 's response was, " After further review, Exeters records indicate you were advised that once the title was received from XXXX XXXX XXXX, we would send the title to you and pay for the XXXX XXXX  overnight to expedite the delivery. 

Therefore, we will not reimburse you for any additional cost that you incurred for requesting a duplicate title. '' The quality of customer service and knowledge of consumer banking is far below the standards a major finance company should be.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2022 the Bank of America closed my checking account with {$1900.00} in it. They said they would send in a special request to have it released, but it would take 3 days for approval. Today, XX/XX/2022, I called them again to get that money. Again, they said it would take a special request and I was to call them again to see when it would be released. To call them is to hold at 20 minutes each time and I want my money!
Consumer complaint received 2022-09-07
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. (VA)

As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as -0- on my credit report. Their information is as follows : XXXX XXXX XXXX 6XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2020, Experian removed 2 accounts from my credit report. This has decreased my credit score from XXXX to XXXX, putting me in the " good '' area instead of the " very good ''. 
I had initially disputed these accounts because I had originally thought that they weren't mine. But I later realized that they were mine. However, the damage was already done, and the accounts were removed, causing my credit score to decrease. 

I would like for those 2 accounts to be added back on to my credit report.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (TX)

I have tried to fix this issue with each credit bureau, XXXX, XXXX and Equifax for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC below.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

My name is XXXX XXXX .Paypal closed or limit my account for just no reason. After receiving funds to my account, I could not withdraw the funds or make used of the funds in my paypal account. I was told funds will be held on my paypal account for 180 days, but now it is more than two years. No email from them about the release of my funds. My paypal email is XXXX I will be very happy if this can be resolved for me because I need that funds to fix a lot of things right now Thanks.
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. 

I submitted the report to you, and then received notification that the issue was closed. 

You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX   XXXX. XXXX Account No. XXXX. 

Evidently you failed to read the letter to learn of this information. 

Accordingly I will re submit the complaint with the additional information. 

When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. 
However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.
Consumer complaint received 2020-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PDQ Check Exchange LC (UT)

I called the company on XX/XX/10 and spoke with XXXX. I called to find out the pay out for my loan. She advised me that {$490.00} was the pay off as of XX/XX/10. I advised her that I would pay it but she stated they charge me a 5 % fee ( even though my payments were on auto payment with no fee ). I asked why I was being charged a fee to pay off earlier but not if I allow auto payments to clear. She stated they waived fee for payday payments but not for additional payments. I asked if I were to pay cash in person if I could do so. Was advised yes. So I asked if I could put in the drop box would I have to pay additional fees. XXXX advised me that the interest accuses daily and if I dropped in the box on XX/XX/10 I would not pay the additional day. I sent my husband to drop in the box on XX/XX/10 at XXXX pm. I reached out to the company to follow up and ensure they received my large payment. I spoke with XXXX who advised me that I have a balance for an additional day of interest. I advised that I spoke with XXXX and she told me I would not be charged as long as it was dropped in the box by the XXXX. XXXX reaches out to her supervisor who told her they would waive convenience fee of 5 % but I was still responsible to pay the interest. If payment was not paid on interest, I would continue to accumulate interest on the interest. I asked XXXX to have her regional manager call me. XXXX called me and apologized but stated they would not waive the interest and she would listen to the call. She stated I would accrue interest on the interest daily if not paid. I called XXXX back to pay the balance but this is not the first time I have been advised one thing and than have to pay additional fees because of misinformation. I want my additional day of interest refunded as XXXX told me if dropped in box by 10th no  additional fees.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On two occasions, with my Chase Sapphire Reserve, I submitted 2 disputes. In one case, I was charged for items that I returned for over {$2000.00} and submitted the XXXX weight information showing I had returned the items and they did not investigate or credit me. They did nothing to protect me although I pay them $ XXXX/yr! 

On the next occasion, I was called about a fraudulent charge that was in person when I was away, I told them it was fraudulent and that I was away and then followed up and they said they never called me although the individual on the phone asked me if I had made the charges and did not ask me anything personal about myself and told me the fraud dept would call. Then I submitted a dispute about it. The fraud dept was only available during limited hours did not provide an email or any other way to get in touch with them. I sent them all the documents by fax and by mail twice. They did not respond. They did not investigate at all. Even though I told them it was physically impossible for me to have made these " in person '' charges and sent the receipts from the hotel where I was at the time!. They just charged me over {$2800.00} and closed the case. I faxed them more info and tried to appeal and they responded the case was open again. And then closed it with no investigation. They did not give me any opportunities. It has been abhorrent and I am a very organized and thorough person, if they are handling these types of fraudulent claims this way, I imagine there is a VERY SERIOUS CLASS ACTION and some serious XXXX XXXX type fraud going on with Chase. It's absolutely unheard of the way it was handled.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

Without requesting an account review Navient sent me a letter on XX/XX/XXXX stating " During a recent review of your account, we found that your repayment schedule was shorter than it should be. '' I have been paying this loan for 13 years. Now, 74 months away from finishing I am informed, " weve extended your repayment terms, meaning youll have more time to pay and your Monthly Payment Amount may be lower. '' Decreasing my monthly payment by almost {$500.00} while increasing the interest they will be receiving by approximately 350 % and keeping me in debt for an additional 150 months! 

Upon calling the company the representative stated she was willing to increase my monthly payment back to the original amount ; she failed to understand that's not why I was calling. She stated the original promissory note ( from XXXX ) was not reflected in the repayment plan and I should refer to the original promissory note for confirmation. Well, I don't have a 13 year old document handy and she could not provide it. If she couldn't provide it where was the information coming from when my account was " reviewed ''? 

I believe this is another example of deceitful business practices by Navient.