davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I am unaware of this debt reporting as a charge-off on my credit report. I did not have the opportunity to dispute this debt before it was put on my credit report, which is illegal because they did not send me a proper notification. If you truly believe I was aware of this debt, please provide the certified mail return receipt with my signature, proving I received the notification. Or delete the account from my credit report immediately, as it is affecting my life a lot.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX sold my account debt of {$360.00} to a collection agency and closed the account on XX/XX/2014. When I check my credit report, the balance owed still shows {$360.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. I have also received letters from three different collection agencies claiming they own the debt now.
Consumer complaint received 2019-06-07
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. (NY)

XXXX XXXX XXXX sold my account debt of {$360.00} to a collection agency and closed the account on XX/XX/2014. When I check my credit report, the balance owed still shows {$360.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. I have also received letters from three different collection agencies claiming they own the debt now.
Consumer complaint received 2022-09-17
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. (AZ)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-07
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. (GA)

Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.
Consumer complaint received 2024-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc. (OH)

At this time Debt collections agency Team Recovery is reporting to the credit bureau two medical bills from XXXX XXXX XXXX that are not greater than XXXX XXXX XXXX. One is {$500.00} reportedly from XX/XX/year>. The second one is {$540.00} reportedly from XX/XX/year>. Attempt made to dispute that included requesting date of service, service provided etc as I dont have any notification of outstanding bills with XXXX XXXX XXXX XXXX When going to XXXX XXXX website and entering account number unable to retrieve details of service as it states no such account exists.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2019, I submitted a dispute to Navy Federal due to a scam that occurred via XXXX. I never received the product that I paid for on XX/XX/2019 and informed Navy Federal that the vendor had blocked me and I had no way to contact the vendor. Im escalating this matter because I want my money back. The letter they sent me with the reason they were unable to process my claim is as follows : The amount debited by the merchant was agreed upon when the services were initiated. While we understand the recipient of the funds failed to fulfill an agreement, the funds transfer service was fully performed. Therefore, we have no recourse within the dispute resolution process to pursue this matter further. I never received the product. I never received tracking information as if the product was on the way just excuses. When I had asked the vendor whats the status of the shipment, I found out that the page no longer existed. Please escalate this matter.
Consumer complaint received 2019-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I filed bankruptcy last year, and during the filing through the months of XX/XX/XXXX and XX/XX/2019, Fifth Third Bank, which is where my auto loan is through, wouldn't allow me to make a payment. I was then allowed to make my XX/XX/XXXX payment and have made every payment since. We hadn't heard anything from them since. A week ago my wife was contacted by Fifth Third and they told us that we had to payoff the rest of our loan or they were coming to take our car. I called them back and they said they wouldn't talk to me and I had to talk to a lawyer. Since then, we've had people calling nonstop, threatening us that they were coming to take our car. I have no idea what to do because we can't afford to make that massive of a payment and the bank won't talk to us other than telling us to pay them or they're taking our car.
Consumer complaint received 2020-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

XXXX card told my son that I owed a debt. You- referes to XXXX card. You violated 15 U.S. Code1692 specify section b. When you told my son that I owed a debt. 
Our agreement is now void. Please remove from credit bureaus and eliminate the balance. 
Per 15 U.S. Code1692 the civil liability plus legal fees will exceed total amount owed. To save time and money, I recomend we settle, in the method listed above. Are you willing to work with me, or against me?
Consumer complaint received 2019-06-07
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. (NY)

XXXX XXXX XXXX sold my account debt of {$240.00} to XXXX XXXX and closed the account on XX/XX/2016. When I check my credit report, the balance owed still shows {$240.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX XXXX XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX XXXX XXXX.
Consumer complaint received 2024-03-24
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: JPMORGAN CHASE & CO. (HI)

I have in my possession a forensic audit of a XXXX report where the creditor ( Chase Auto ) sold my loan as a security on the secondary market and has not send me my proceeds for I'm the holder in due course per Uniform Commercial code 3-302, which I have not gave or knew as a XXXX purchaser. they are in violation of their indenture agreement, tax evasion, Securities exchange Act of 1934 and securities fraud. I have then sent the process for remedy by the Uniform Commercial Code, which have been denied.
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (GA)

My identity was stolen and I XXXX provided proof to the credit reporting Bureaus. Per the FCRA they must remove these Erroneous trade lines within 4 business days. XXXX and Equifax have failed to do so.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX  ORIGINAL CREDITOR SOLD MY DEBT TO XXXX, WHO PREVIOUSLY REPORTED ONTO MY CREDIT AND WAS DELETED - THEN XXXX SENT IT TO A SECOND COLLECTION AGENCY NOW NCA NATIONAL CREDIT ADJUSTERS WHO HAVE REPORTED THIS FOR A SECOND TIME ON MY REPORT I ADVISED THEM THEY ARE VIOLATING FDCPA AND IT NEEDS TO BE REMOVED SHE ADVISED TO ME THAT " IT WAS SOLD TO THEM SO THEY CAN REPORT IT ''
Consumer complaint received 2021-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have been a customer of Capital one for numerous of years. Capital One mailed out credit cards to my old address. I never received the cards that Capital One mailed. I reported to Capital one that I had moved and requested for them to change my address to my new current address. I contacted Capital One to dispute the fraudulent charges on the cards. Capital One was removing money from my bank account to cover charges on the credit card. I contacted Capital One to make them aware that they were taking money each month for the credit cards that I never received. I explained to Capital One that they had mailed new credit cards to my old address and someone at the old address was using the credit cards. But I had already informed Capital One of my new address. My Capital One credit cards were set up on automatic payment draft from my bank account ending in XXXX ; I have never been late on a payment to Capital One. I dont understand how Capital One could continue to draft money from my bank account on credit cards I never received, nor have the cards. I have called Capital One numerous of times to try to resolve this problem. Capital One change the credit cards numbers and never sent me the new cards. I called Capital One to explain this to them. Capital One suspended my credit cards and trying to make me pay for credit cards that I havent never received or used. I received a bill from Capital One today in mail at my new address with a lot of interest charges as well as fraudulent charges. This is totally unfair to me, I have been a very good customer and never paid a bill late to Capital One. Capital one refuses to help me get my cards back.I had my Capital one cards set up online, Capital One deleted my account information, I have no online access to any of my card products from Capital One. This is illegal practice on Capital One behalf and I need help. I dont owe Capital One any money, they have been drafting money from my bank account for years to pay for fraudulent charges that they sent or said they sent to an old address of mine, I however called Capital One and made sure they had my current address.
Consumer complaint received 2021-06-26
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. (DE)

I have recently been reading up on 15 USC chapter 41 as it relates to credit. I understand that any transaction that arose from the use of a credit card must be excluded from my consumer reports. I also understand that a credit card is defined as any card or device use for the purpose of obtaining money, property, labor or services. I disputed these items OVER 30 days ago and my dispute was ignored which is a violation of the FCRA. 

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. 

Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. 

The following accounts need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I was approved for a FHA XXXX fix up loan of XXXX. From PRIMARY RESIDENTIAL MORTGAGE XXXX XXXX PA. I never asked for it although they seemed very helpful and wanting to give to me. They have all my bank statements of 7 months up to date last week along with taxes for 3 years. My credit was good XXXX and they knew from beginning I was contract labor. 15 years same company in fla to move to same company in Nj. I have plenty for down payments and move. Paid inspector etc. To then add Mom to loan to all being better and sent to underwriter. All good. We have a contingency contract with my place on a place in nj. 60 days to close. Now 30 to pull my credit and Mom 's again 3 days ago along with bank statements to that day. Told all good to ne t day dropped. Telling me I need to have paychecks and rent in nj for 6 months first.?? Contract labor?? From beginning known I paid off moms XXXX dollar loan for this and almost XXXX car note they wanted to tell me this. Im beside myself. They dropped my credit points low from repulling to dump me. I emailed corporate to them tell me I'm contract labor stuff again. No kidding. They knew from beginning. I have a work letter new job. But I live in fla. Hello. This is outrageous. Has left me searching for a loan to hopefully get my dream house back home. please help. Sincerely XXXX XXXX. I have all dates etc. Anything you need. Don't use PRIMARY RESIDENTIAL MORTGAGE
Consumer complaint received 2021-05-03
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: ALLY FINANCIAL INC. (PA)

I had an auto loan with Ally Bank. It was paid off on XX/XX/19. I need to do a title transfer, so I tried locating my title in my safe, only to find that it was missing. I went through the trouble of requesting a duplicate from PA, only to find that the lien on the car had never been released ; I had never received my title. 

I have been attempting for months, at this point, to get Ally bank to release the lien. After many many phone calls and tens of hours wasted, they said that I had to have the dealer, from which I purchased the car, get involved. I did and the controller there has been very helpful. He has been attempting for weeks to get this resolved as well. Ally had been contacting him daily to inform him that nothing had been done. They've ceased doing that. The controller recommended I file a complaint at this point. 

After more than a year and a half after being paid off, I no longer have the loan number. 
Ally has been able to identify the lien via the VIN, but has been either unwilling or incompetent to release the lien. The most recent case number with Allied is available upon request ( I have many open ).
Consumer complaint received 2021-03-10
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. (IN)

I sent in to transunion to remove inquiries that arent mine! They are as follows XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received my first overdraft fee in years of {$35.00} from Bank of America on XX/XX/XXXX. I made a rent payment from my BOA checking account in the amount of {$1200.00} that would not post until a later date. Unbeknownst to me, my actual account balance, including that payment, was not reflected immediately upon payment. It was my understanding that the payment would appear as pending and my available balance would be adjusted to reflect this. Because this was not the case, it appeared as though there were sufficient funds available to make additional purchases through this account. Once the payment of {$1200.00} was withdrawn from my account on XX/XX/XXXX, my account was overdrawn by the amount of {$170.00} and the aforementioned {$35.00} fee was applied. I was not able to pay this fee or negative balance until XX/XX/XXXX and had no plans to use this account until that date. However, autopay was setup with XXXX XXXX XXXX for the amount of {$50.00} every XX/XX/XXXX day of the month. There were insufficient controls in place by BOA to inhibit this charge. This was the first month that payment would be returned due to insufficient funds. Ideally, BOAs overdraft protection would prevent this. However the opposite was true. The same merchant was allowed to attempt to charge my account three times and each time BOA returned that charge to my account and collected a {$35.00} fee from my checking account without my knowledge or any attempts to inform me that this was occurring. This practice is highly predatory and intentionally misleading. I contacted two customer service representatives who informed me that BOA willingly allows merchants to do this and they do not typically inform their customers that they are being charged additional fees. In total, I have been charged {$140.00} in fees that couldve easily been avoided had I been informed by Bank of America or if BOA had processes in place to prevent this. I have held this account since XX/XX/XXXX and it is disappointing to be taken advantage of in this way. I intend to reach out to my State Attorney General to pursue resolution for the matter should BOA be unwilling.
Consumer complaint received 2019-11-03
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: EQUIFAX, INC. (NC)

I have sent several letters regarding my accounts with Equuifax. They are nor reporting correctly and they refuse to remove these account. These accounts are fraud and they are not removing these and using stall tactics. I refuse to keep being a victim
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

We are a military family and back in XXXX due to back to back XXXX we hit a hard time with finances. We lived in this property for over XXXX years and originally purchased the property for {$180000.00} and now you are stating we only paid {$5400.00} in XXXX years. This is when Chase Home Finance was marketing Home Loan Modifications to all soldiers to help them get back on track. We were living at XXXX XXXX XXXX XXXX XXXX  XXXX and we figured this would help lower the mortgage payments during this time which it did. We was behind about {$6200.00} and the payment went from {$1100.00} to {$1800.00}. Thus we had requested a loan modification to lower the payment and bring us current. There was no money that we received during the modification. We did not read the fine print of them taking {$45000.00} ( which I could not figure out how they came up with this number since we were only behind {$6200.00} ) to be added to the back of the loan and no payments we currently make would be made on this amount during our monthly payments being made. We did not discover this hidden part until we had to sale the house walking away with nothing except for the house being paid off. This is when Chase Home Finance shared this part with us when the pay-off amount was requested. They also explained the {$45000.00} was made up by charging us 115 % of the {$6200.00} we were behind on the loan. I know for a fact we are not the only military family they have done this too. We were at our lowest and I do feel they also did this base on XXXX XXXX XXXX XXXX XXXX  all this time we thought we owed {$120000.00} on our home when in fact we owed {$170000.00}. We are filing this complaint for this money back to be returned back to us from Chase Home Finance.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent Equifax a letter on XX/XX/2020 with evidence that the bankruptcy reporting under my name and SSN number is not compliant, not accurate and cant be verified. 
I am attaching letters from the Bankruptcy court and County Recorder of Deeds stating they dont report or verify records reported against a consumer. I also attached a letter stating I opted out of XXXX and froze my account with them. 
How can Equifax verify this debt as mine when they dont have access to any data to verify the Bankruptcy from XXXX or the Bankruptcy Court? 
All public records reported against me from Equifax are violating the Fair Credit Reporting Act and need to be removed immediately.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (NC)

Debt Recovery Solutions is attempting to collect on a alleged debt for their client : XXXX XXXX XXXX in the amount of : {$1000.00}. I have no knowledge of this account. 

Derogatory and invalid information was placed on my credit report without due process to include : notification of this debt in writing, and allowing my right to dispute this matter pursuant to the FAIR CREDIT REPORTING ACT