davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
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. (CO)

We have a loan in which we are current on and making payments on with XXXX XXXX. We did get behind and the car was reposessed, during this it suffered over {$2000.00} worth of damage due to neglegence of the transport company. We got current on our payments, got the car back. Now, we are not only responsible for the {$5800.00} left on the loan, but the car is worth next to nothing due to the damage that XXXX will not take responsibility for, but they also are reporting that this account is charged off. They said that they can not change the report at any of the credit agencies, and we are current now. They marked us that the account is closed and was charged off. We have asked them numerous times to fix our vehichle and change our report and they will do neither. Even if we pay off the car now, it still will show as a charged off, closed account. I reported to the credit agencies and they said to contact your agency now, because they will not remove this information either. I need help, please help. I will email you my current statement if youd like and a photo of my credit report showing the charge off that still exists. I can also show damage that they did to the car.
Consumer complaint received 2022-02-15
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. (AL)

XXXX XXXX keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back XXXX. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX, 2017, I submitted a complaint via Khols/Capital One Card Services for a late payment that is reporting to my Credit Report as no more then 30 days late. I have submitted complaint and complaint and nothing has been handled.This is MY LAST & FINAL complaint before I go forward with finding a lawyer and sueing Capital One for not correcting what they know is incorrect. Like I have stated in previous complaints the representative I spoke to gave me the incorrect information of stating I would be ok to submit a payment after 2 months and they would not report it. That is not my issue nor am I at fault. Its really disgraceful to know Capital One will go to the highest of dishonesty to make me look like the bad guy in this situation. My credit is suffering because of this & this has put my home buying to a halt all because Capital One will not correct their wrong. Although this is my LAST COMPLAINT, I will not give up on getting the late payment in XXXX XXXX 2017 removed because I am not at fault. Capital One also keeps sending me a copy of XXXX 2017 bill that is not sufficient evidence to say my late payment is my fault. I do not need another copy of XXXX 2017 statement as I have it & demand them to supply supporting evidence other then a copy of the XXXX 2017 statement showing a late payment.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.
Consumer complaint received 2018-01-19
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: First Data Corporation (AL)

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Consumer complaint received 2018-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have sent several letters to all 3 credit bureaus requesting that Portfolio Recovery Associates, LLC provide validation of debt concerning the 2 accounts held at their company in my name. The have not provided any validation of this debt but continue to send letters stating I need to pay this collection. They are reporting inaccurate information to the 3 credit bureaus.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IA)

Im having difficulty making payments. They wont work with me. They call 12-15 times a day. Sometimes they just hang up/robocall and sometimes they are there demanding payment.
Consumer complaint received 2018-01-19
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. (MO)

There are two accounts on my credit report by XXXX XXXX. I dont have ANY contract or transaction with this company nor have I authorized any transactions to be transferred to this company. The account information on both of these accounts does not show my COMPLETE and ACCURATE information as required by the FCRA. It does not show my social or date of birth therefore it ca n't be verified to be an account owned by me.
Consumer complaint received 2024-08-06
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. (TX)

XXXX XXXX XXXX XXXX is an account that i demand be deleted from my credit report on the basis of so many inaccuracies and incomplete information. Wrong Charge off Date ( 1099-C ) was issued after being filed, which enabled the debt to become income. States IRS Publishing- account should not be listed as a charge off which is not income and income can not be reported noncredit report. Also account has No balance recorded, no payment history reported etc XXXX  15 US Code 1681s-2,1681s-2ab2
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (MD)

I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. 

More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. 

I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.
Consumer complaint received 2018-01-19
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. (GA)

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Consumer complaint received 2018-01-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I just feel so disappointed big banks like BOA are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in BOA to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had BOA mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in BOA short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since BOA did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from BOA and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
Consumer complaint received 2018-01-19
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: Experian Information Solutions Inc. (AL)

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from Experian. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Since at least XXXX XXXX, 2017 I have been trying to withdraw my money from Coinbase. I get an error that says I am not able to be found in public records, and therefore, am unable to verify my account. Since I am unverified, I am unable to withdraw my money. Even though I was unverified, the Coinbase system had no problem with me funding my account with over {$5000.00}. It let me put money in, but wo n't let me take it back out. 

I have put significant effort into contacting Coinbase customer support to get my issue dealt with. Coinbase has simply ignored my request. In addition to that, I waited on hold for over 2 hours on 3 separate occasions only to have the customer service representative hang up on me after finally getting through. Also, the customer support representative did n't give me any useful information whatsoever and did n't even try to solve my case. 

I would like to scan my Passport or Social Security card in order to prove my identity, so I can then withdraw my remaining balance, and then I would like to PERMANENTLY close my Coinbase account.
Consumer complaint received 2018-01-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (OK)

I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
Consumer complaint received 2018-01-19
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. (FL)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

I purchased a home in XXXX XXXX and as a result, my utilities had to be transferred or shut off completely. My XXXX account ( for internet only ) was one that would n't transfer, so I paid the balance in full and closed it with the intention of opening a new one for my new home. Not even a week later, I did just that and had them come out and install internet services. In XXXX XXXX, I did the same thing for my business : I opened a new XXXX account for internet services and had it installed at my business location. Shortly after that, I received a bill from a collection agency stating that I still owed them a balance of XXXX from my account prior to moving in XXXX XXXX. I disputed this with the collection agency and advised them that they would n't have let me establish two subsequent accounts had I still owed them money. The collection agency said they would take care of it and I never heard back from them. Now suddenly, on XXXX XXXX, XXXX, I get another bill from a collection agency named Convergent saying the same thing : That I owe XXXX a balance of XXXX. I am writing to vehemently dispute this charge. I do not owe XXXX any past balances. The only thing I owe them is what I pay every month for internet services at my home and business locations.