davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to experian that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mountain Run Solutions, LLC (NC)

I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/. A company by the name of Mountain Run Solutions is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the Mountain Run Solutions company continues to call, text, and renew this account on my credit... which is negatively affecting my score.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (VA)

Hi on XX/XX/XXXX  I closed with Mutual of Omaha a Refi FHA loan. After closing on that load I made an electronic payment in the amount of {$2000.00} to the principle of the loan. This was posted/applied correctly on XXXX XXXX. Since then the loan has been transferred to another Loan Servicing Company ( XXXX XXXX ). This took place on XX/XX/XXXX. 


The issue is that on the same day that the loan was transferred, Mutual Of Omaha reversed the principle payment of {$2000.00}. It went something like this. XXXX XXXX principle pmt was made and reduced total principle by {$2000.00}, then XX/XX/XXXX Mutual Of Omaha reversed the payment and transferred the loan to XXXX XXXX, then on that same date the principle went back up on the loan by {$2000.00}. 

I've contacted both companies at this point ; Mutual Of Omaha the most being that it was their actions that created this issue. XXXX XXXX doesn't have the funds on their end. Mutual of Omaha is supposedly doing an investigation. Every time I call I get different responses from MOO. The erroneous actions of Mutual Of Omaha is causing a miscalculated application of interest on the loan, the same on PMI, non-credit of the original principle payment, and creating a great amount of stress as well as taking up a lot of time. 

Please help!
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2021-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, CapitalOne Auto reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with XXXX and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. Cap One Auto is reporting a last payment date of XX/XX/XXXX with XXXX and XXXX, but XX/XX/XXXX with XXXX.
Consumer complaint received 2021-10-25
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One advertises the SAVOR card as 3 % cash back on grocery purchases ( excluding big box ), dining and streaming services. XXXX is a streaming service, agreed to by Capital One customer service. However because XXXX does not send the charges with a specific code, the charges are ineligible for the cash back amount program. However, this specificity is not disclosed in the Bank 's rewards program and basically when I created a case with the bank I was told " too bad ''.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (KY)

This debt was from a workers compensation injury claim for physical therapy that was paid by my personal health insurance by mistake. My health insurance company refused liability for debt and reversed the payment. I have notified workers compensation insurance company ( XXXX ) and sent them the bill for the debt. Ive done all I can do to resolve this issue. The collection remains on my credit report and is hurting my near perfect credit score that I have worked so very hard to obtain.
Consumer complaint received 2021-06-29
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)

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue. 

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well. 

Please find my updated contact information, and update it inside the personal statement ( s ), and such! 

Best Regards, XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (GA)

In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

MY NAME IS XXXX XXXX WAY2GO CARD # XXXX IS THE NEW CARD, THE PREVIOUS CARD HAS BEEN DEACTIVATED DUE TO UNAUTHORIZED CHARGES. 

ON XX/XX/2021 THE XXXX XXXX XXXX IN XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1800.00} TO MY WAY2GO CONDUENT MASTER CARD/DEBIT CARD WHICH IS A PREPAID CARD FOR MY CHILD SUPPORT PAYMENTS. THE XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1300.00} TO THE SAME CARD THE SAME DATE. I NEVER HAVE BEEN TO EITHER ESTABLISHEMENT NOR HAVE I AUTHORIZED THESE FRAUDULENT CHARGES. I WAS NOT AWARE OF THE CHARGES UNTIL I CHECKED MY CARD BALANCE AND IT WAS A LARGE NEGATIVE BALANCE. AFTER GOING THROUGH MY STATEMENT I IMMEDIATELY DISPUTED THE CHARGES WITH WAY2GO CONDUENT WHO RESPONDED BY TELLING ME THE MERCHANTS REFUNDED THE CHARGES WHICH WAS NOT TRUE. I ASKED FOR PROOF OF THE REFUND OR CHARGE REVERSAL AND PROOF THAT THE AMOUNTS HAVE BEEN CREDITED TO MY ACCOUNT. I HAVE NOT RECEIVED PROOF OR DOCUMENTATION OF MY CARD BEING CREDITED FOR THOSE UNAUTHORIED AMOUNTS. MY ACCOUNT BALANCE IS CURRENTLY NEGATIVE IN THE AMOUNT OF THE UNAUTHORIZED CHARGES WHICH IS CAUSING ALL OF MY INCOMING DEPOSITS TO GO TOWARD THE NEGATIVE BALANCE. I AM NOT RECEIVING MY CHILD SUPPORT PAYMENTS DUE TO THIS ERROR. I WOULD LIKE A FULL CREDIT FOR THE {$1800.00} AND {$1300.00} SO THAT MY CARD IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A TROUBLE TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE CREDITS TO BE APPLIED TO MY ACCOUNT. I WAS TOLD TO ALLOW XXXX TO 5 BUSINESS DAYS FOR RESOLUTIN, YET IT HAS BEEN 9 BUSINESS DAYS AND STILL NO CORRESPONDENCE OR RESOLUTION FROM WAY2GO.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AL)

I received an email saying I owed a debt of {$370.00} to XXXX XXXX XXXX. However, I have never had an account with this company and, upon further investigation, learned that the name associated with the account was " XXXX XXXX. '' This is not my name and I don't know anyone by this name. I have also had the email address used by the debt collection agency for many ( ~13 or 14 ) years, so it is unlikely that it ever belonged to anyone else. After googling the name XXXX XXXX it appears that someone of that name died in 2014, so it seems like this may be an old debt rather than a case of a debtor supplying creditors with a false email address. It seems possible that this is simply an attempt to frighten random email addresses into paying off a debt of someone who has been deceased for a while. The debt collection company was TrueAccord, who stated that they were operating on behalf of XXXX XXXX XXXX. The person who emailed me was XXXX XXXX ( XXXX ).
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a VISA credit card with Bank of America that I set up to use auto-pay, which is their system for setting your checking account to automatically pay off the statement balance on the credit card each month. I had it set up to pay the full statement balance by the earliest delivery date. When choosing the earliest delivery date option, their system requires you to set an amount limit. If the statement balance is over the amount limit the auto-pay will not pay off any of the balance until you log in to your account. 

I logged in to my account and saw that my balance was much higher than it should be, {$810.00}. I discovered this was because my last statement balance was {$500.00}, over the {$500.00} limit I set, so it was never auto-payed, and then additional charges I made brought it up to {$810.00}. The credit card only has a {$500.00} credit limit, so it shouldn't have been able to go above the auto-pay limit in the first place. If I hadn't happened to log in to my account at the right time, I would have assumed auto-pay was working and missed a credit card payment. 

This system seems designed to lure unsuspecting customers into missing payments and accruing interest. By forcing you to set up an auto-pay limit and also allowing you to go above the credit limit on you card, they lull you into a false sense of security that your autopay will always go through as planned when in fact it won't.
Consumer complaint received 2021-10-25
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. (GA)

I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have 1 negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-10-25
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. (GA)

I have paid off an old account on my credit report XXXX XXXX. I have sent in documentation from the company to the credit bureau showing that I have paid it off. The credit bureau is showing the account as a charge off when it is not a charge and have it down as a negative item on my report
Consumer complaint received 2024-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (LA)

This company is breaking the law but failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, theyve added a collection to my credit report.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I was initially filed a complaint in XX/XX/2021, Credit Acceptance responded that my balance was accurate. I have been paying {$200.00} every 2 weeks my remaining balance is {$130.00}, when I made this agreement Credit Acceptance stated they would stop collection which they have not, I never ask to be put on COVID-19 protection because I was paying {$200.00} every 2 weeks. Every month Credit Acceptance reports to the credit bureaus this is not right because I kept my promise to pay bi-weekly. The reporting is also not correct it shows a balance of over {$2000.00} which is not correct I'm attaching my payment ledger, also the last report stated Credit Acceptance sole my account to someone and they are putting in the reports monthly again which is not correct, I have and continue to communicate with Credit Acceptance.
Consumer complaint received 2021-10-25
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. (AR)

On XX/XX/XXXX I sent Experian a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from Experian stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if Experian contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to Experian disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my Experian credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.