davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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: DISCOVER BANK (MO)

Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.
Consumer complaint received 2021-02-19
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 (NY)

I Have complained and disputed twice now with XXXX XXXX about an Error with a lender ( Kia Finance ). They have not been in communication me nor has resolved the issue. This issue was resolved almost immediately with XXXX  and is currently being disputed with XXXX. They have all relevant documents needed to rectify the matter and not sure what the hold up is.
Consumer complaint received 2020-08-15
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: Emerald AR Systems, LLC (AZ)

I have a loan with EMERALD AR ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, EMERALD AR ( Original Creditor : XXXX XXXX XXXX  XXXX ), XXXX, and XXXX/XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: CL Holdings LLC (GA)

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and JEFFERSON CAPITAL SYST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and JEFFERSON CAPITAL SYST with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

XX/XX/18 called Equifax to file a dispute that was showing on my credit report obtained by XXXX. 
On the credit report under Equifax it is showing that that I have an UNPAID MEDICAL collection, and I want to know more information about this so I can fix this, as I think this is an error. 
Equifax could not bring up anything under my name, SSN & address. They wanted a 10 digit number, which I do not have on my credit report. 
I also tried to submit a dispute online with Equifax, but this also does not work with the information I provide. 
People on the phone do not understand English very well.
Consumer complaint received 2021-10-02
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. (FL)

XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2020-08-15
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: I.C. System, Inc. (GA)

I have a loan with XXXX  XXXX XXXX  XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

Im filing a complaint against AFNI on a old XXXX  account. A representative from AFNI told me if I paid XXXX $ and settled a debt that they would delete this account from my report. That call was monitored and recorded and I would like a investigation to be done and for this creditor to stop tell consumers fans statements. This is horrible.
Consumer complaint received 2019-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WV)

I called on XX/XX/XXXX to make my payment has agreed to. I know that I have had a hardship and trying to catch up with my payments. When calling on XX/XX/XXXX at XXXX XXXX, I was giving the run around transferred around and around told we can not help you. When I asked why am I being transferred around so much and being laughed at. I still was advised that i can not help you. I asked if they treated all customers like this. I spoke with more then 4 plus reps. Finally i asked is it because of the status of my account or the color of my ethics back ground I was then transferred to a very nice young lady who helped me. I was on the phone from XXXX until after XXXX before I was help. Im very unhappy with the service and how I was treated. Im doing everything I can to get my account on track but should not get the run around that I received. If i could refi with another company I would. This is not the first or second time this has happen to me. This time Im tired of being treated like dirt, so I decided to complain this time. The last rep I spoke with on XX/XX/XXXX was very professional and could teach the other rep how customers should be treated. Im just putting this complaint in now, because I also have health issues that I have to tend to and did not have time on the XXXX for they had my XXXX XXXX up. Im also a XXXX patient that should not be under a lot of stress. Being behind is stressful enough for me.
Consumer complaint received 2022-07-02
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. (GA)

XXXX XXXX XXXX # XXXX is missing 'date payment received ', 'scheduled payment amount ' and 'actual amount paid '. Report reads 'no data '. Please provide full payment history attached. 

XXXX XXXX XXXX # XXXX has 'date opened ' as XX/XX/2018 and payment history for XX/XX/2018 is missing.
Consumer complaint received 2021-10-02
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)

XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2020-08-12
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. (CA)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-04-25
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. (TN)

Experian will not remove fraudulent account on credit report, despite my disputes, and having confirmed from the reporting lender that the account was indeed a fraudulent account. 
Account opened XX/XX/XXXX for {$500.00} Disputed fraudulent account XXXX XXXX, XXXX and XX/XX/XXXX. 
Received confirmation email from lending company that account was indeed a fraudulent account due to identity theft. 
Experian will not remove, nor will they accept the email from lending company that their records indicate it was a fraudulent account.
Consumer complaint received 2020-08-15
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-10-02
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. (FL)

Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2019-11-18
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-01-12
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. (CA)

On XX/XX/XXXX we submitted a form to surrender our XXXX XXXX. 

On XX/XX/XXXX the vehicle was picked up. 

On XX/XX/XXXX the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}. 

On XX/XX/XXXX we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further. 

We made {$400.00} in payments XXXX & XXXX we are currently set for 3 more months of {$200.00} payments. Towards the balance. 

Today Chase marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT. 

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.
Consumer complaint received 2021-07-13
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. (UT)

On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX  for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that Equifax held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXX  file for Equifax, and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative death, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.
Consumer complaint received 2020-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (WA)

I was scammed on Website called XXXX, the site was suddenly taken down or frozen around XX/XX/XXXX, or XX/XX/2020 for the amount below. 
XX/XX/2020 for {$790.00} XX/XX/2020 for {$3500.00} XX/XX/2020 for {$2700.00} XX/XX/2020 for {$1100.00} XX/XX/2020 for {$3200.00} I have filed a police report and contacted my bank, XXXX  XXXX XXXX, but of course bank cant do anything to to help me, because this is through a third party which is coinbase, www.crypto.com. Im hoping that coinbase will be able to stop all transaction when I found out that this was a scam but they said they cant because my payment was already sent out they arent able to help. Im very upset that this happen to me during the Worst pandemic time, Im hoping someone out there that can help retrieve my fund. Almost feeling like did I make the wrong choice to invest?
Consumer complaint received 2020-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

In XXXX of XXXX, I stopped making payments on my student loan because of the COVID19 Pandemic. It was my understanding that under the CARES Act, Navient would not charge me with any Interest. I stopped paying Navient after my XX/XX/2020 payment was processed. At that point, I was CURRENT on my Student Loan. 

Between XXXX, XXXX  and XX/XX/2020, Navient did not MAIL ME as single letter. I've asked them dozens of times to use the USPS and not my email or phone, etc.. My profile currently says " Not signed up to receive emails ''. AGAIN, I DID NOT HEAR FROM NAVIENT FOR MONTHS, I ASSUMED I WAS COVERED BY THE CARES ACT AND THEY DID NOT SEND ME ANYTHING TELLING ME THAT I WAS NOT COVERED BY THE CARES ACT!!! NOT ONE PIECE OF MAIL!!!!!! 

I submitted a payment of {$150.00} on XX/XX/2020 and Navient applied it 100 % of the payment to Interest! Then on XX/XX/2020, they added an additional {$230.00} to my PRINCIPAL as Capitalized Interest. 

Navient told me on a phone call that my Student Loan is a FFELP Loan that is currently owned & serviced by Navient. After  researching my options online, I requested that the ownership of my loan be transferred over to the Department Of Education. Once the " ownership '' of my loan is transferred to the Department Of Education, Navient will still service my FFELP Loan, but I will be eligible for Interest FORGIVENESS under the CARES ACT. 

THIS IS A SCAM!!! NAVIENT SHOULD BE " COMPELLED '' TO EXPLAIN TO EACH CUSTOMERS WHOSE FFELP THEY " OWN '', THAT THE LOAN CAN EASILY BE TRANSFERRED TO THE DEPARTMENT OF EDUCATION!!! 

100 % OF MY PAYMENT WENT TO CAPITALIZED INTEREST DURING THIS GLOBAL PANDEMIC!!! MY TOTAL LOAN BALANCE ACTUALLY INCREASED BY {$230.00} AFTER I MADE A {$150.00} PAYMENT. 

MY COMPLAINT : When I stopped paying Navient on XX/XX/2020, they did not send me a single letter! Also, Navient should be COMPELLED TO TELL CUSTOMERS THAT THEY CAN BENEFIT BY HUNDREDS OF DOLLARS BY SWITCHING THE " OWNERSHIP '' OF THEIR LOAN TO THE DEPARTMENT OF EDUCATION! 

NAVIENT IS MAKING BILLIONS OF DOLLARS OFF THE BACKS OF HARD WORKING AMERICANS LIKE ME!!! INSTEAD OF BENEFITING FROM THE CARES ACT, CUSTOMERS LIKE ME ARE PAYING THOUSANDS OF DOLLARS TO NAVIENT FOR NO ADDITIONAL BENEFIT ... .. 

NAVIENT DOES NOT PROVIDE ANY ADDITIONAL " SERVICES '' TO CUSTOMERS LIKE ME. FOR ACCOUNTS THAT NAVIENT " OWNS '', THEY SHOULD BE FORCED TO PROVIDE SOME ADDITIONAL SERVICE OR OFFER SOME BENEFIT THAT JUSTIFIES THE {$380.00} THAT THEY JUST CHEATED ME OUT OF!!! 

THE CLOCK IS TICKING, NAVIENT TELLS ME IT CAN TAKE " 100 DAYS TO CHANGE THE OWNERSHIP OF MY ACCOUNT '' WHAT A SCAM!!!! 

If you have an FFELP ( Federal Family Education Loan Program ), call Navient and ask that the " OWNERSHIP '' of your account be changed to " Lender : U.S. Department of Education ''. Go to the website they provide and make the EASY CHANGES!! Wait 100 Days and NAVIENT CAN NO LONGER STEAL FROM YOU!!!!!!!!
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

To whom it may concern. Chime closed my account on XX/XX/2021 account for what they are saying suspicious activity. Without even warning me.They then ask me to send proof of documents that can solve this matter. I then sent them everything they ask for and they still closed my account. I had over XXXX an my account an I have yet to see a refund, a check, or anything. They told me they will send my money back to the original sender which they never did. I reached out to several emails regarding my refund.They send you automatic emails saying the same thing.That they can not disclosed why they closed my account. You can not speak to anyone once your account is locked or closed.Thats how I know they are taking/stealing peoples money. I am trying to get help on returning my money back.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date : XX/XX/2021, Amounts : {$1900.00}, I was asked for {$1900.00} ( refundable secutity deposit ) to transfer a XXXX accout ( name : XXXX XXXX, email : XXXX ), This XXXX account is the person claiming to be the homeowner 's lawyer 's account, It's a fraud account, I have reported to FTC.
Consumer complaint received 2021-10-02
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. (FL)

XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.