davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 

1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates (LA)

I initiated a dispute with XXXX  in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a collection account on my XXXX  credit report amounting to {$220.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. XXXX XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXXasking again for proper validation of this debt, but instead of verifying the debt, XXXX reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Retail Merchant Associates did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (WA)

There have now been three attempts to validate XXXX XXXX XXXX account on my credit file. Their investigation conflicts with XXXX investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and XXXX and Equifax have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (FL)

CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : XXXX
Consumer complaint received 2018-03-15
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. (IL)

I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.
Consumer complaint received 2018-03-16
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. (GA)

Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2018-03-16
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. (IL)

Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I have a Wells Fargo Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my credit score to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. Wells Fargo told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called Wells Fargo in XX/XX/XXXX to  inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.
Consumer complaint received 2018-03-16
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. (WA)

I filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged XX/XX/XXXX.
Consumer complaint received 2018-03-16
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. (AK)

Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???
Consumer complaint received 2018-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016. 
We recently had a issue with the Finance company Westlake Financial in California. 
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.
Consumer complaint received 2018-03-16
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: Bread Financial Holdings, Inc. (FL)

I have a XXXX Credit Card aka XXXX Credit Card. OnXX/XX/XXXX I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX  there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not.

Well on XX/XX/XXXX I get an email alert from XXXX stating that something changed on my credit file. I logged on and according to XXXX it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called XXXX  to dispute the inquiry but XXXX referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB.

Also XXXX would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: COAST PROFESSIONAL INC (TX)

We have tried to work with Coast Professional , Inc. since we received the first notification from them on XX/XX/XXXX. I contacted Coast Professional , Inc. because I had divorced and moved frequently and was trying to locate the information to repay this student loan. Because the amount they wanted me to pay monthly was unrealistic I submitted the Financial Disclosure For Reasonable and Affordable Rehabilitation Payments. Since that time I have spoken to several employees who tell me if I will send this information my payment will be $ XXXXmonth to if I send this information my payment will be XXXX XXXX/month. In XXXX I had XXXX tell me to file paperwork with the US Department of Education and wait to see that they would decide which I did XX/XX/XXXX. I received a letter from the Department of Education giving me a reasonable payment of {$190.00} with garnishment which I would prefer to pay this debt directly, but I can not get Coast Professional , Inc. to agree with this letter even after I resent them the letter and information again. I spoke to XXXX who ask for even more information and then XXXX on XX/XX/XXXX at which time he said the payment would be XXXX XXXX/month which I could afford, but then I received a letter from Coast Professional , Inc. stating I would need to pay {$290.00} for notify them of my objection which I have done. I need for someone to review my account and assist me in coming up with a payment of which I can pay. I am asking for you to investigate Coast Professional , Inc. and how they mishandle their customers and do not try to assist them. They give out fraudulent information even after you comply with everything asked of you. 
We have all of the documents to support this complaint, but they have confidential information on them. We can provide if requested.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

Hello, I am XXXX XXXX. My property at XXXX XXXX XXXX, XXXX XXXX, Arkansas is being attempted, to be foreclosed on by Ocwen Loan Servicing, LLC.  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. The alleged account number is XXXX, I own this property outright and is in my possession. There is not anything owed on it. I was given an IRS XXXX form for settlement in 2016 ( see attached ). Ocwen XXXX XXXX, XXXX. is harassing me by calls, letters, and statements, etc ( see attached ). for approximately 2 years on paying a debt which does not exist. Also, Ocwen Loan Servicing LLC.has not released any property liens. I request they release these liens because property is paid off ( no balance remaining ). My contact number is XXXX XXXX XXXX please send all correspondence to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arkansas XXXX.
Consumer complaint received 2018-03-16
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: General Motors Financial Company, Inc. (OH)

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Consumer complaint received 2018-03-16
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. (FL)

I sent a letter to Equifax to verify some information regarding debt collections showing on my account. 
They have not sent me any information back regarding the verification of this debts it has been over a month I'm asking for these debts to be removed from my Equifax Credit Report as they are hurting my credit worthiness.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX, I called Capital one and was told that If i brought my account current that Id be able to have my account reinstated. On XX/XX/XXXX, I paid the remaining balance of {$99.00} dollars which in return put my account in good standing. On XX/XX/XXXX, I mailed out a goodwill letter asking for forgiveness because I faced financial hardship during the months I couldn't make payment. I lost my job XXXX XXXX XXXX XXXX XXXX that was deathly ill. I ended up losing everything, and suffered from XXXX because of it. Once I got back on my feet I made sure to pay my Capital one bill because they were the only ones who were nice enough to work with me considering my situation. Or so I thought. The representatives were obviously selling me a fairytale story -- saying my account would be reinstated knowing that it wouldn't. After sending my goodwill letter and not hearing anything back from Capital one, I emailed the CEO ( XXXX XXXX ) hoping to get through to someone that could help. I sent the email on XX/XX/XXXX ( Pictures attached ) and haven't heard anything since. They did send me a refund for {$1.00} ( pictures attached ) but didn't bother to respond to a customer who honestly valued their services. 

At this point I've accepted that my account may never be reinstated, so I'm asking Capital one to please remove the late payments from my credit report, so that I'm able to buy a house for my family. Removing the late payments would raise my score drastically. As a person trying to get back on their feet after facing so much turmoil, I ask that you please consider this option.
Consumer complaint received 2018-03-16
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. (FL)

I am a member at the XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. The credit union mistakingly, and without my knowledge, reported a charge off from an account that I was not privy to. I went to the credit union and they admitted their mistake and said they had removed the error from their end. I also sent a dispute to Experian to erase this error. With the dispute I included a letter from the credit union stating that it was in error and should be removed. IN UNDER 24 HOURS, Experian sent me their findings that the error in question was verified by the credit union as legitimate. This is impossible as I went to the credit union in question, and they told me that this was definitely a mistake and then they issued me a letter of explanation to send to Experian, XXXX  and XXXX to get this erroneous entry off of my credit report. I did all of these things yet Experian denied this. With thousands of complaints coming into Experian weekly, I find it odd that they handled my claim in under 24 hours, even when their website states it could take up to 30 days. It would appear that whoever was tasked to handle my case just pencil whipped the results without calling anyone. How in the world can these credit reporting agencies have THIS MUCH POWER yet they answer to nobody?!? There is nobody at Experian a consumer can speak with, you must go theough their dispute resolution office which is completely unhelpful. They should be shut down. 

Additionally, I have sent them paper copies of everything via the US postal service which they probably havent received yet. I have also contacted XXXX  and XXXX  but their dispute investigation ( s ) have not been completed yet.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

in XXXX of XXXX my account card was used to and money was stolen out of account.i reported the incident when I was aware on XX/XX/XXXX bank put the money back in the account then took it back out I been disputing this every since .the bank said their investorgator spoke to me on the phone to verify charges and I sent them proof that number hadn't been in service since XX/XX/XXXX so I wonder who they talked to I sent proof of that made and sent them a police report plus showed them my work scheldule for proof and still the bank saying it takes another 30 days for a decision.meanwhile they close my account and sent me to collections.
Consumer complaint received 2018-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX