davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Im writing to dispute a fraudulent account opened in my name without my authorization. 
My personal information was stolen and used to create this account, and I am not responsible for any associated transactions. I request that the account be closed immediately, all related transactions be reversed, and my credit report updated to reflect these changes. I have filed a report with the FTC and placed a fraud alert with the credit bureaus. Please address this matter urgently. Thank you for
Consumer complaint received 2021-03-20
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: States Recovery Systems, Inc. (CA)

i paid a collection account off in full to my dentist, unknown to me the outstanding account was sent to STATE RECOVERY SYSTEM in XXXX XXXX, Ca. My Dentist, XXXX XXXX XXXX of XXXX, Ca called to advise them I had paid my account in full and to please remove account from CREDIT BUREAUS.. 
This collection company XXXX the ( the actual owner ), blatantly refused to do so, stating they were not paid directly, so forget it. He even VERBALLY THREATENED my XXXX which even suprised my XXXX 
My name is XXXX XXXX, I have a PAID RECEIPT under XXXX XXXX of XXXX, California. I can be reached at XXXX or XXXX XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (FL)

I never received any opportunity to dispute debt from Nationwide Recovery. It appeared on my credit report with an open date of XXXX. I have not received services. I have had prior companys send me information about this debt. However, when disputed they never provide verification. It seems that they are all passing this debt around to various companies. I have requested an itemized bill and validation of debt owned. Documentation of date and services provided. They are creating amounts how can an hospital bill be {$120.00}? I have yet to receive any documentation.
Consumer complaint received 2021-05-20
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. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (VA)

I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This account was for 2 persons that have been divorced since late XXXX. The balance was paid in full early XXXX and Capital One sent documentation verifying the account was closed on XXXX. Capital One then took it upon themselves to re-open the account on XXXX and sent a statement stating we again have a credit limit of {$20000.00}. As if two divorced persons trying to rebuild their lives in separate ways would want a renewed joint credit card burden! 
This abhorrent behavior is not human error, they intentionally reactivated a closed account with wanton disregard for our financial well-being out of greed and duplicity. 
My attorney has also been alerted of this development.
Consumer complaint received 2021-05-20
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)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; Medical - XXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-03-24
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. (NV)

Please reference Complaint XXXX CFPB premature closed complaint against EQUIFAX. A complaint was recently closed which I initiated against Equifax and their disregard to the Fair Credit Reporting Act and the laws govern by both the State of Nevada and the US Federal Government. I believe that CFPB closed my complaint prematurely and whereas, my issue was in regards to Equifax habit and practice of not properly verifying the information which they insert into my consumer credit report. I am well aware of an ongoing investigation into the illegal practice of some creditors to continuously report an old closed charge off as a NEW CHARGE OFF. This in itself is wrong since a charged off account which is closed can not be updated each month as a new charge off and the document which I attached displays this practice. How can one closed charge off account be charged off over 20 or more times? Furthermore, I understand that a charge off account carries with it negative attributes which last for 7 years on a consumer 's credit file but to constantly misrepresent a single charge off as if it was a new charge off each and every month is illegal and deceptive at its core of fair credit reporting. If this is so-called normal practice then I will contact the US congress and my state representative because if my memory serves me well, this wasn't the case many years prior. Thank you
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (TX)

First of all, my son had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. Around XX/XX/2020 I noticed that I was referred to debt collector called CAPIO PAYMENTS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX I emailed to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.
Consumer complaint received 2022-04-06
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. (CA)

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as XXXX, XXXX, and Transunion in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Consumer complaint received 2021-05-20
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. (CA)

I reported an account that was not mine or that I had no knowledge of to both Experian and XXXX. I submitted the information to them regarding my dispute with the collection agency which clearly shows that the collection agency fraudulently changed loan documents to reflect that the account was mine when in fact it was not mine. The original collection letters in attempt to collect for the alleged loan were sent to a residence I have not lived in since 2015. It was only after I had contacted the collection agency that they started sending collection attempts to my current residence and when asked to produce proof that the alleged debt was mine, they submitted to me a loan document reflecting my current address.
Consumer complaint received 2022-04-06
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. (NJ)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im sure that some person hacked my profile and get my personal information! DELETE this negative account.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (TN)

I am a victim of a natural disaster and being sold a lemon due to being a XXXX. I kept the maintenance up on the vehicle, however the vehicle was a lemon. After taking the vehicle to several repair shops including XXXX, they stated there was nothing they could do for me. The transmission light came on directly after completing my 3 month oil change vs. them telling me every 5 months. I lost my job due to XXXX and asked for help and they refused and hung up on me saying " so what and you're the one that purchased the lemon vehicle, its your fault not ours. '' Each rep I talked to was rude, uncompassionate and refused to provide assistance. My car stop running, when I did all I could to keep this vehicle they said was not owned by anyone but the dealership and everything was 100 % up to date.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enab
lement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

While I was in a Loan Modification PHH held back 6 months of payments. While holding those 6 months of payments they charged me late fees. After filing with CFPB about holding those payments PHH credited my account for some late fees. PHH just reversed late fee credit in the amount of {$310.00}. PHH continues to make mistakes on my loan. I can not even reconcile my loan totals, reserve totals or late fee charges or credits.
Consumer complaint received 2021-05-20
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. (NC)

On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau XXXX Experian and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My purse was stolen. I reported my card stolen and had my cards replaced. Someone went to a Wells Fargo branch and impersonated me with my stolen id and stolen card and was able to get temporary checks. They then wrote checks and when the checks bounced, Wells Fargo froze my account. I havent been able to access my money and they wont take the charges off or set it straight.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received emails from two different credit sites that monitors my credit stating that I had a new hard inquiry. XXXX XXXX stated it was a mortgage lender check and Im not in the process of looking for a mortgage. When I looked into it, the inquiry came from a business named CAP1/NEIMAN. The date of the inquiry is for XX/XX/2021 ( today ). The last line of credit I applied for was back in XXXX and it is noted on my credit. I called the number listed and it was Capitol One bank. I do have one card with them already that Ive had for years. The representative pulled up my account and didnt see any activity since XX/XX/2021 which was a payment. This inquiry is very suspicious and that is why I am filing a complaint.
Consumer complaint received 2021-03-24
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: The Bureaus, Inc. (FL)

I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
Consumer complaint received 2022-09-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX