davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX RE : XXXX XXXX  are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, XXXX XXXX  does claims they tried to retrieve my last two loans from XXXX XXXX  and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : XXXX XXXX XXXX XXXX sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to XXXX XXXX  and finally the XXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.
Consumer complaint received 2021-05-28
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)

On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AR)

I received a call from a debt collector in late XXXX XX/XX/2021 stating that I owed them money. I requested a validation letter be sent via mail. I have not received a letter as of today XX/XX/2021. Today, XX/XX/2021 I was notified by XXXX  that there was a new collection account negatively marking my credit. I called the debt collector and spoke to XXXX, to ask about the credit reporting and that I had not received a validation letter as of today, she replied and said maam you know you owe this money and it is against the law to send another validation letter. I explained that I have not received anything regarding a debt from them. She then told me that she COULD send me a validation letter IF I set up a payment plan with her. I asked for her supervisor, who did not answer in which I left a message for XXXX XXXX XXXX today XX/XX/2021 at or around XXXX.
Consumer complaint received 2019-03-21
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: SYNCHRONY FINANCIAL (GA)

Account shows should be reported until XX/XX/XXXX, but I believe there were no payments made before charge off since mid XXXX. XXXX credit report from XX/XX/XXXX shows account closed mid XXXX and closed in XXXX with no record of any payments. I disputed this with XXXX and they deleted the reporting of account XX/XX/XXXX. Dispute with XXXX currently. Disputed with XXXX with result of only balances updated and starting reporting charge offs monthly since dispute. No info in dispute from XXXX  about why not deleted as last payment associated with charge off from XXXX. I just tried to start a new dispute with XXXX about same account, same reason and XXXX online says that I can't submit second dispute on same account, so I uploaded a copy of the credit report from XX/XX/XXXX, showing no payments made in XXXX or XXXX and account should be too old to report now, XX/XX/XXXX, not XX/XX/XXXX. No place to add comments on the upload, only transfer of file, which was the XX/XX/XXXX credit report for XXXX. The account also showed XXXX dollar payments for a period a few years, which didn't happen, and even if did they didn't update the balance. So many errors for this account on all bureau reports, only XXXX deleted account. This account needs to be completely deleted now. Thank you.
Consumer complaint received 2019-03-21
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. (CO)

Transunion is incorrectly reporting me 30 to 120 days late on the following accounts which reflect a {$0.00} balance and {$0.00} past due amounts. 

XXXX XXXX - partial account number XXXX XXXX  - partial account number XXXX XXXX XXXX - partial account numbers XXXX and XXXX. 

This negative reporting is harming my credit scores. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the bureau to fix this issue.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

PLEASE NOTE THAT I COMPLETED DEFAULTED/ GIVEN CHOICE ANSWERS TO THE BEST OF MY ABILITY IN ORDER TO SUBMIT. 
On XX/XX/2019, I received an email from Capital One Auto loan thanking the person for enrolling in online payments. I do not and have never had an auto loan/lease with Capital One. I called Capital one several times as well as submitted emails informing them that this account does not belong to me, however this is my email address. I received no assistance and no response via email. 

After several calls and explaining the situation several times to several people. Capital One informed me that there is nothing they can do as I did not have the person 's full account information. My concern is that this person maybe using my information without consent. Additionally, I continues to receive such emails from Capital One. The most recent one, on XX/XX/2019 saying that payment has not been received. 

The account belongs to a XXXX XXXX The account number shown on email is : XXXX This is for a auto loan/lease. 

I would like to know if this person is using more than my email address and for this issue to be rectified as soon as possible.
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (GA)

I attempted to resolve the issue with Ally multiple times with no success I've sent in multiple affidavits that they have yet to respond to I have also extended a grace period in hopes that they would remedy the situation civilly but they did not Im sending in my final notice in hopes that they ( ALLY ) follow the law and do the right thing here in the attachments are the labled exhibits and all of the laws that they have violated as well as the unrebutted affidavits.
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recovery Service, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-03-11
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. (MI)

I previously submitted a Disbute and complaint from cfpb to Experian and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.
Consumer complaint received 2022-05-02
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. (NY)

I have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I upgrade my XXXX card on XX/XX/XXXX with a no first-year annual fee offer. But AMEX said this is an error and does not want to honor the offer without any compensation and reasonable explaination. This problem happened to a lot of people online. On the cardmember agreement annual fee section, it is written : " None ; however, as you have been previously notified, your Annual Membership Fee will be {$450.00} as of XX/XX/XXXX. '' But I do not receive any notification when I upgrade the account. I think this is illegal
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, 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 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My problem is with transunion there is a child support debt on my public file for {$27000.00} and on my my public file that say legal I sent documentation to child support disputing that its a legal debt I submitted the documentation. I sent the documents on XX/XX/2021 it got to trans union XX/XX/2021. It seems like child support and transunion are in some type of collusion because after I sent them the supporting documents. Child support takes off the tittle and of it being a legal document and sent it to another part of my credit report under the deogratory part and it was updated XX/XX/2021. So in so many words transunion let them take off the the tittle who the debt belong to, who it belongs to I'll provide evidence so u can have a clear picture, its seems transunion allows people to report debts even if it belongs to them or not. In my case it looks like transunion does favors illegal favors to oppress people.
Consumer complaint received 2022-10-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX-XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc. (TX)

AmerAssist had been calling me from multiple numbers and blocked numbers multiple times a day. I told them that they are trying to collect on a debt with no bill sent, just that its from XXXX XXXX XXXX, who i have already spoken to ( months ago ) and they confirmed that it was billed incorrectly. I had XXXX XXXX XXXX with them, and i paid UP FRONT for all costs associated with the procedure. In fact, they wont even let you have the procedure done until you pay your balance up front. I spoke to this office months ago and the woman informed me that it was billed incorrectly. But apparantly this has never been fixed on their end, as they decided to try and tack on another XXXX $ after i had satisfied my balance with them ( which again was paid prior to my procedure ). I informed them that i have also met my out of pocket maximum, and my deductible ( for the last two years ) and that i only go to in network practitioners, so i should not owe anything to any of my doctors, and if I did, i pay it directly in office. 

AmerAssist called me again and i informed them ( again ) that it wasincorrectly billed ( which happens quite often with doctors offices and facilities ). The woman snapped at me, said they would report it to my credit, and at that point i asked them to cease and desist. AmeriAssist has continued to harass me, call me, send me mail, after i have officially asked them to cease and desist. I have another letter dated XX/XX/21 that arrived in my mail box today, so they are in direct violation of the FDCPA at this point. I would like them to stop harassing me, and id like them to stop threatening negative action on my credit. I am tired of debt collectors taking advantage of people, and not even validating the debt before harassing consumers. They need to take this up with the doctors office, who needs to fix the billing mistake, and hasnt.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — Store credit 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 (IN)

On XX/XX/2021 I made a purchase for a pair of shoes to attend a funeral out of state. I used my Kohl 's XXXX XXXX to make this purchase and the total was {$69.00} after the item had not arrived after a week I called to inquire about my purchase and was told my order had been lost. I asked that they refund the entire amount back to my Kohl 's charge which would have made the balance on my account {$0.00} on XX/XX/2021 Kohl 's refunded {$59.00} leaving a balance of {$9.00} which was determined to be the shipping charge plus tax on shipping. When I saw this I made XXXX phone calls to Kohls to resolve this issue and was told it would be XXXX  days before the credit would be issued due to system policies. Waiting XXXX days would mean that I would be late on the payment to my account and that I would have to pay for a service that I never received. I asked to speak to a supervisor was placed on hold for XXXX minutes and when returned to a live agent again was told not to worry, though this is my credit history and credit reporting we are talking about. I asked why it was taking so long and why I had to go through so much work to get my refund when it wasn't done correctly to begin with. They didn't seem to care. So now I have the payment scheduled for the due date so that I do not get a late fee or a hit to my credit report. All I am asking is that a consumer not have to wait XXXX days for a refund on a store credit card when they control the system. I feel as if they are being deceptive in business practices and forcing consumers to pay unjust late fees or to just pay a fee to make money off of them.
Consumer complaint received 2021-09-22
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: TRUIST FINANCIAL CORPORATION (TX)

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX Suntrust DBA Lightstream XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

A XXXXXXXX XXXX used my name and social security number and add me as a cosigner on a loan and filed XXXX  XXXX I contact the bank, and they refuse to do anything about it
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hello, I made a purchase on XXXX XXXX  through XXXX and Capital one charged me a " cash Advances fee ''. This was not right, it was coded as a purchase and through XXXX it should have been resolved between the Vendor and Capital one. But neither of them helped me and i still got stuck with this charge. 

The capital one rep stated that this is not refundable by them. EVEN THOUGH THEY ISSUED THE CHARGE. If they cant refund it who can .... 

Thanks,
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (AZ)

Mortgage company has not paid property taxes from escrow account. Escrow account has way, way more money than needed. Taxes are {$950.00} AND county has added interest and penalties. Called mortgage company XX/XX/XXXX and was told " complaints and questions should be sent via email ''. Sent email and got " auto reply '' stating they will work on request and get back to me. Called XX/XX/XXXX and was told they were aware of the email and matter would be taken care of. Asked me if I had gotten any " delinquent notices '' from county and not to worry unless I do. Called again first week of XXXX and asked about surplus of escrow monies. Told again they would " evaluate '' the account and get back to us. Sent another email asking status after more interest and penalty added onto tax bill. Got only " auto reply ''. Sent email on XXXX stating if someone did not take care of this and/or call me back I would file complaint with CFPB. 
I was told by county treasurer 's office that if this tax bill is not paid they will report to credit agencies and that will affect my good credit Mortgage company absolutely refuses to take care of this and they will not respond to me either in writing or with a phone call Went online to check out this mortgage company and average rating was 1.4 and main complaint about company was their failure to communicate, late payment of taxes and insurance and they use escrow funds to pay the late penalty and interest and you have to fight with them to get a refund