davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX  on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove XXXX  owe this debt. Company is called XXXX XXXX XXXX in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, XXXX   and TransUnion, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my XXXX  credit report, I contacted XXXX  on XX/XX/2020 by US mail. XXXX  responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with TransUnion in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!
Consumer complaint received 2020-04-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX I sent Midwest Recovery Systems a certified letter disputing a pay day loan that I really don't recall. I ask them to send me evidence of this loan and the amount. It is on my credit report in the amount of {$2400.00}, I have never received a pay day loan with high of an amount. Midwest Recovery Systems said they are collecting for 12 XXXX  on my credit report. On my credit report it says the date opened XX/XX/XXXX on XXXX  and XXXX on XXXX  and XXXX  . I have never received a letter from this company about this debt. And they are continually to report this debt on my credit report, like every other week.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION (OK)

My bank has recently been acquired by Simmons Bank. I contacted in person the branch president XXXX XXXX about the bank not processing my weekly payments correctly. I have a monthly home mortgage payment of {$1000.00} at 5 % interest rate. I have it set up, just as with XXXX XXXX, to apply weekly payments of {$300.00} to my mortgage to save on interest charges. XXXX passed the buck a few different times and is unwilling to help me. He assigned XXXX XXXX to the task and she has worked very hard to get the problem resolved with the home office. They " hold '' my weekly payments until there is enough to make a full monthly payment and then apply the payment. She was told thats just how they do it so i called myself. I talked to the loan processing department and the representative, after speaking via email with her superior, informed me of the same thing. I explained it was unfair and asked to have her supervisor call me to discuss. This whole process has been ongoing since early XXXX. I am fed up and would like some help. thank you, XXXX XXXX personal cell XXXX
Consumer complaint received 2020-04-18
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)

Despite both contacting furnicher, XXXX  XXXX XXXX XXXX, and credit reporting agencies, Experian and XXXX, the credit reports continues to erroneously state individual responsibility rather than joint responsibility. Initially, XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020, told me that they furnished the account as a joint account as confirmed by the statement : " XXXX XXXX XXXX '' and " XXXX XXXX XXXXXXXX '' at XXXX XXXX XXXX XXXX MI XXXX '' - which should be " XXXX '' rather than " XXXX '' It is not on her credit report. As far as my Experian credit report, I contacted Experian on XX/XX/2020 by US mail. Experian responded via report XXXX for XX/XX/XXXX, reputes what XXXX  XXXX XXXX XXXX told me earlier in the month. The same thing happened with XXXX  in a less specific manner in that it continues to list the responsibility as an individual account rather than a joint account. 
Niether of these credit reporting agencies is correctly stating joint responsibility for this joint account ending in XXXX, nor is either credit reporting agency reporting whatsoever my wife 's individual or joint responsibility for this account we share since about a year ago. Fix it now!
Consumer complaint received 2020-04-18
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: CL Holdings LLC (OH)

I had a collections account show up on my credit report dated XX/XX/2019. The collection agency is Jefferson capital systems LLC and states the debt is from XXXX XXXX. I have never been a XXXX XXXX  customer as I have had XXXX and prior to that was XXXX. I have contacted the collection agency to validate the debt on multiple attempts with no validation to date. After speaking with somebody, they stated it would be removed from my credit report. It is still showing after multiple months.
Consumer complaint received 2020-04-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a Perkins loan with XXXX XXXX  which I am currently paying. I have a late payment report for the month of XX/XX/2020 on my report which is not supposed to be there. There was computer glitch on the web of XXXX on the XXXX which made it a problem submitting payment. I didn't have the chance to try again on the XXXX due to the nature of my job. I am a XXXX XXXX XXXX in one of the hardest hit XXXX in pandemic crisis. I basically could not go home but been sleeping in XXXX arranged accommodation to protect my family because I am an exposed person to this virus due to my XXXX XXXX. 
I did not think it is fair, rational or empathetic for XXXX to be reporting late payment at this crucial time. I want the late payment to be reversed since the required payment has been made. 
I am not asking for too much, I am giving my best in this fight against covid-19
Consumer complaint received 2020-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under Capital One Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Capital One Bank on more than one occasion they could not assist with resolving this matter.
Consumer complaint received 2020-04-22
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. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

1 ) Concord Financial is showing 3 late payments. I NEVER had any account with them. 

2 ) Numerous credit agencies and their inquiries are showing up on my credit report. I never authorized these inquiries!
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

( XXXX true Identity theft ) I am a victim of identity theft XXXX   confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX TransUnion file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My vehicle was hit in 2016 and totaled, my insurance told me they would handle it all. I never received a call, email or letter in the mail of the difference of my balance not being paid by my insurance. The only way I knew I owed {$1000.00} is because I paid to view my credit report. I called Credit Acceptance today to see what I could do to resolve the balance of {$1000.00} that they submitted to my credit report and they told me I owed over {$1700.00} to them because they are still accruing interest at 19 % since 2016. I asked why my credit report doesn't reflect this difference and the rep couldn't give me an answer. I asked to be transfer to a supervisor but I was told he was on another phone call. I don't think what they are doing is fair or legal since they have sent the balance to collections already
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC shows as paid off and reported on my credit report as bad debt XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$620.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX This debt is fraudulent
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

I've requested experian to update restore and correct late payments I've had 0 late payments they removed 3 late payments but thats all. Points lost were not updated still showing 6 late payments that is inaccurate I've givin experian copy of my contract payment. My payments are due frombXXXX I'm not late til XXXX after the XXXX of the months I've submitted bank statements paid my bank XXXX $ per hour to do a search submitted that that made 2 late fee fall off but thats all came of that. XX/XX/2023 payment still shows late when via contract it is not was not updated on late payment XXXX and XXXX XXXX from collections reported me late for XXXX when paid before payment date. That's there conspiracy to continue to add up false late charges. Late fee XXXX payment submittedXXXX showing XXXX late XXXX was updated so how was XXXX late receipt submitter. Please see Violation by XXXX she works in collection dept she XXXX and XXXX refers from collection at XXXX violated my rights they are taking my funds from a XXXX XXXX XXXX XXXX because I bank with a service credit union putting my routing and acct number from my service credit union to a XXXX XXXX XXXX XXXX making it untraceable allow them to make withdrawal and pretend payment not received one example of them submitted shows XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

There have been several disputes and complaints submitted to get the information corrected. As of XXXX, there was a request to have these accounts removed from my credit due to their inaccuracies. 

The response was provided on XXXX, and the information remains on my credit with claims in the letter that are also inaccurate when compared to my credit report.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We have a Credit Union that is our Mortg. Co. so we thought. They have a service company Called Dovenmuehle in XXXX IL. that we have called. Since XXXX we have been trying to work with these two company on XXXXabout we received foreclose notice that our home will be foreclosed on XXXX, We were 1 month late XX/XX/2020 after speaking to many people at the XXXX XXXX XXXX and Dovenmuehle without any luck and not getting help with our mortg. has a forebearance would not work for us because my Husband is out of work for the year. He is a XXXX and all schools are closed up. We called got people like XXXX XXXX, XXXX XXXX XXXX never returning our calls, finally we spoke to a so called VP but he list 's himself has a c.s. rep. and he said you have forebearance in we never signed anything with the companies listed above. After much thinking how this service motg. company works and seeing the hundreds of complains about them and having the order to foreclose XXXX we choose NOT to go with the forebearance. We took all of our savings and then some and paid our XX/XX/2020 payment of XXXX we had to mail it in cause the XXXX web site would not take the payment. They finally received it today ( XXXX ) We only have to make XXXX and my son is helping us with that. Because of the lack of work, Covid-19 Crisis and having to pay our XXXX property taxes XXXX we are in a horrible money crunch. If this company would have attached the 3 months on the back of the loan we would be able to get food for our family. Has it stands this companies have given us Money Hardship in these Crisis times when everyone can not leave their homes, no work no money and stuff goods are expensive. We want this company to honor our payment without late fees and send us a letter stating our credit is ok. Also we want them to send that the foreclosed notice was in error that is what XXXX XXXX informed us on the phone I can not and will not trust these companies anymore and it is sad they would not work with us. We live in XXXX Ca. our XXXX. XXXX stated no foreclose action yet we got one. I want this taken care of asap, and a letter stating we are current with the payment since that call we made and we made several we have not heard from either the XXXX Co XXXX XXXX or Dovenmuehle Company. Discussed with all of these issues. thank you
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove tminactuaoly owe this debt. Company is called Portfolio Revovery Associates in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.
Consumer complaint received 2020-04-22
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. (AZ)

I got out the military in XX/XX/XXXX. There is a XXXX of XXXX charge off in the amount of XXXX showing as charged off in XX/XX/XXXX when this was actually charged off back in XXXX. I tried to call the number that is showing on my report XXXX XXXX XXXX to get them to update there records but the line says its a non working number.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

For the last five years I've been trying to get Equifax to remove an extended fraud alert they placed on my file without my authorization. I've called them dozens of times spending countless hours on hold only to be told their systems are unavailable or to be disconnected by agents in foreign countries. I've sent six letters with the appropriate documentation requesting it to be removed and it just never gets done. The latest confirmation I was given on XX/XX/20 was XXXX and was told it would be removed within 4 hours. It's almost 5 days later and its still not removed. 

This problem and their failure to act has resulted in several hundred hours of lost time for me spent dealing with issues because companies can't verify my identity, inability to open accounts online, inability to manage my social security account online, being challenged about my identity every time I apply for credit, being denied credit as a result and more. 

It's ridiculous how a company can create this kind of havoc in your life without any penalty or accountability and as a consumer we have zero recourse. How did they get all the power and we end up with none. Powerless. It's frustrating and demoralizing. This after they compromised my personal data. They still haven't made changes to their business to rebuild trust with Americans. Same XXXX  service, failure to follow through, inaccurate information in credit reports that so many systems rely on.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

I am attempting to lift a freeze on my credit report. Equifax is refusing all contact. My online acct credentials are refused and I'm told to call a customer service number ( XXXX ). That number requested my personal information in an unsecure manner, placed me on hold, and then finally answered to say their " system '' was down and they could not help me. 

The XXXX website interface asked me unrecognizable questions to verify my identity. I am hand mailing a request for a report now in an attempt to get Equifax to recognize me. Will take at least 2 weeks. 

I am XXXX years old. In the last 20-25 years, this or something similar has happened to me at least 5 times between the 3 agencies. Maybe 10. If your business is handling information and you do it this poorly, you should be out of business. Nothing less would satisfy me. But would you please at least hold them accountable enough that I can do business? Please?