davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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. (TX)

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX  thats collecting for XXXX XXXX XXXX saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX  The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas  for fraud and stolen items. Report number XXXX
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The reports wrong again [ XXXX and it can not be changed and because Experian deleted the correct commentary and used their own! Now isn't that surprising? Submission Failed-When you dispute an item on your Credit Report, we will review your dispute and update your Report if we are able to do so based on the information you provided. Otherwise, we contact the company that reported the information and ask them to verify the accuracy of the information in light of the details you provided with your dispute. 
What a rouse and farce that people come before us as good and decent and honorable works indicate the opposite. We have attempted to correct your misinformation - I am not a senior - multiple times and with them. Their reporting always late and inaccurate. If that is not a scam, what is? 
PS how about reading the complain or at lease having someone who comprehends English repair what I have tried to so many years now!!!! 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I'M NOT A SENIOR I AM FEMALE DUH!
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

Im not aware of this hospital debt, I need this debt to be verified, and if it is not verified then it needs to be taken off of my credit report. Please and thank you Collection Open date : XXXX XXXX XXXX Original Loan amount : {$420.00}
Consumer complaint received 2020-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019-XX/XX/2020 for XXXX days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX XXXX ( TU ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( TU, XXXX, XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU, XXXX  & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( XXXX  )
Consumer complaint received 2020-07-03
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)

I have been trying to reach out to XXXX XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. 
I have false and inaccurate information on my credit report. Through the credit bureau Experian and XXXX.I requested that XXXX XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. 

When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by XXXX XXXX. My payments were covered through the insurance policy. Which left me with a XXXX  balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. 

XXXX XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. 

I also contacted Experian and XXXX  to inform them that there is fraud and inaccurate information on my credit report. From the creditor, XXXX XXXX. I requested that this account be removed from my credit report. Experian 's and XXXX  investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. 

I requested that the method in which Experian and XXXX  used to validate the validity of this account, be sent to me in writing. Experian or XXXX  never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. 

How could Experian or XXXX  verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by Experian or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. 

XXXX  has not noted in the comment section of my credit report that I have disputed this account. 

Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance Now, that is listed on my credit report. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Please provide me with this information or delete this account from my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/2020 - We closed escrow for our home. 
XX/XX/2020 - Received first mortgage payment notice from escrow company for the amount of {$2100.00} due on XXXX XXXX payable to XXXX  ( Loan # XXXX ) XX/XX/2020 - Received letter from XXXX indicating that our mortgage was sold and effective XX/XX/XXXX payment should be sent to XXXX XXXX for Lakeview Loan servicing LLC. 
XX/XX/2020 - Sent XXXX payment via XXXX online payment to XXXX ( Check # XXXX ) XX/XX/2020 - Received letter ( dated XX/XX/2020 ) form Lakeview loan servicing LLC notifying us that they are the new loan servicing company and the payment for XX/XX/2020, must be sent to them!???? 
XX/XX/2020 - Payment forXX/XX/2020was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 - Payment for XX/XX/2020 was sent payable to Lakeview loan servicing LLC ( Trace # XXXX ) XX/XX/2020 to XX/XX/2020 - Received daily harassing calls from lakeview loan servicing LLC for late payment. I called several times explaining their mistake with no results. They have applied my XXXX payment to XXXX, XXXX payment to XXXX. 
XX/XX/2020 - Just mailed XX/XX/2020 payment to Lakeview loan servicing LLC. (  Check # XXXX  ) I have never been late on any payment and now I am considered one month late! 
IT IS VERY UNFAIR THAT I HAVE BEEN WITHOUT WORK OR INCOME SINCE XX/XX/2020 AND HAVE TO CHOOSE BETWEEN GROCERIES FOR MY FAMILY AND MAKING AN EXTRA MORTGAGE PAYMENT BECAUSE THESE TWO LOAN SERVICING COMPANIES HAVE MADE AN ERROR. PLEASE HELP!
Consumer complaint received 2021-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (FL)

XXXX continues to report inaccurate information and does not allow me to submit a dispute after prior disputes. However, this is unfair because the information is inaccurate. I have bank records showing my mortgage was never late and was paid off but they continue to report it as in bankruptcy. I also have an account with a rental company that went through the courts and the case was dismissed and I was not responsible for these charges.
Consumer complaint received 2020-07-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

A medical debt that I legitimately owed was assigned to XXXX, XXXX, XXXX XXXX XXXX for collection. They reported on my credit report that I owed {$5700.00}. On XX/XX/XXXX, I paid off this balance. Instead of my credit report showing paid, XXXX, XXXX, XXXX XXXX XXXX is now reporting that I still owe over {$1800.00}. When I contacted them, the Rep claimed that the balance owed is interest that they charged.
Consumer complaint received 2020-07-03
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. (PA)

XX/XX/2019 My credit card was charge twice. {$5000.00} and {$3000.00} I tried to dispute it since then no luck. I wan na file a complaint towards my credit card company for not crediting it back to me.
Consumer complaint received 2020-07-03
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: Massachusetts Educational Financing Authority (MA)

How are you? During this COVID-19 I been diligently reviewing my credit and I was shocked when I reviewed my credit report and found repetitive 30 days late, 60-90 days late remarks. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted on MULTIPLE occasions since XX/XX/2020 to dispute the XXXX  account with TransUnion due to not only being reported INCORRECTLY but because I do not have a financial obligation with them! This account was paid in full per the attached receipt in XX/XX/2020 but was report as a collection to TransUnion in XX/XX/2020 ; how is that possible? There is false reporting and XXXX  refuses to do anything about it and so does TransUnion! They either ignore my request or just state that the information is correct. No, it's not correct. It did not become a collection in XX/XX/2020, it was prior but was paid. 

There are also multiple inquiries that I have been requesting to have disputed and removed however, those have not even been acknowledged by TransUnion!
Consumer complaint received 2020-07-03
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. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Reference : Capital One Mastercard # xxxx, closed by consumer last year, due to the preference for a different rewards card. I had made a deposit for a cruise on XX/XX/XXXX of {$600.00} to XXXX XXXX on this account back when the account was open. The cruise was cancelled on XX/XX/XXXX, by the cruise line due to Covid-19, and I chose the option of receiving a full refund with the cruise line, which would be paid in 60 days. The service, a cancelled cruise by the cruise line, was never provided, and they never refunded my deposit or balance paid on another card, XXXX. I then sought reimbursement from Capital One, initial {$600.00}, and XXXX which the balance was purchased on. XXXX credited our account immediately but Capital One will not send the paperwork to file the dispute. 

I spoke with a representative named " XXXX '' on XX/XX/XXXX, at XXXX. XXXX stated Capital One will send a packet immediately, in order to provide the details of this dispute. After a week, I called back and explained I haven't received the packet, and they asked that I wait 2 weeks. I just called today XX/XX/XXXX, spoke with XXXX, and was told it would be 30 days before I would see this packet to file a dispute. I fear this particular company is employing a stall tactic. 

Background on the cruise line not crediting my account : On XX/XX/XXXX, XXXX stated Your Refund Reference Number for this request is xxxxxxxxx. Your refund will be processed within 60 days. I have reached out to XXXX and the travel agent, XXXX XXXX XXXX but with no success. I then contacted Capital One for the {$600.00} placed on this card. Per card conditions, since the services were never provided, the credit card should be crediting my closed account for {$600.00}. 

I am asking that Capital One credit my account for {$600.00} and subsequently send a check given that I closed the account last year.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

Experian Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc (MO)

Received a notification. From XXXX  that 2 debt accounts have been added to my credit. One for {$220.00} and {$80.00} I have not received no information about debt. I do not have any collection on my accounts.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (LA)

I have tried to fix this debt with this company, I sent them letters. I called them the account comes from identity theft, I got into a desperate situation where I was going to pay it because my grandma passed away and I needed a loan to pay for funeral at a very sad and hard time in a desperate situation I called this company and theyve tried to take advantage I told them I was a victim of identity theft this isnt my account but I needed to have a funeral for my grandma and They tried to get me to pay money I dont have for an account I am a victim of identity theft and Ive been a victim of this debt collector trying to take advantage of me please helpThey are ruining my credit profile causing me pain on top of pain. This is wrong
Consumer complaint received 2020-07-03
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. (MA)

I have tried to obtain my credit report via XXXX from Equifax. 

I have done this weekly in the last 3 weeks. I have had no problems obtaining my XXXX  or XXXX  reports. Each time Equifax reports " Online Delivery Unavailable '' and they want a litany of mailed information. I called Equifax last week and there was a suggestion it may be related to a credit freeze, despite what I read on FTC and CFPB websites. I unfroze my account at Equifax. In trying again today at XXXX, I was again told " Online Delivery Unavailable ''. I am confident I am answering the security questions correctly because I am able to complete security for the other bureaus and because I have recent Equifax credit report to reference. I called again Equifax and explained the situation - answers from their representative suggested that they were not aware of the Fair Credit Reporting Act requirements and would not answer why their company could not fulfill the service requirement of XXXX. I asked to speak to a supervisor. At that point, the representative asked me to hold, and after a few minutes the call was terminated by Equifax because I was routed directly to questions about my satisfaction with the call, with no other options. Many other Americans report a similar obstructionist experience from Equifax but not XXXX  or XXXX  - https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week. 

I ask CFPB to interface with the leadership of Equifax and curb this galling and obstructionist practice especially in light of their breach of 150 million Americans information ( of which I was one ).
Consumer complaint received 2020-07-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Lending Services LLC (TX)

I am a military veteran who was disrespected and belittled by a female debt collector with whom I spoke with about my car note payment. At the time I was in a financial bind due to the woes of the oil & gas industry along with the threat of COVID-19. Although my vehicle was repossessed I still continue to get harassing phone calls from Global Lending LLC ; of South Carolina in regards to paying the debt. Im not employed because of the current pandemic which is very much stressful as is and unable to provide for my family on a normal basis. Im seeking your help in resolving this matter.