davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.
Consumer complaint received 2019-08-10
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: CITIBANK, N.A. (IA)

Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is Macys /DSNB. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to Macys on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that Macys/ DSNB did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow Macys is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, XXXX and Macys have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2019 my Capital one Credit card was billed {$13.00} for Prime Membership by XXXX XXXX which was later credited to the said account because I cancelled and joined up through a family. 
I was receiving constant notices online since XX/XX/XXXX by Capital one that my account has missed payment and later, late payment to which interest was added.I have electronically replied to these notices without any reply in return so I printed these letter written and mailed them out to the dispute department on XX/XX/2019, XX/XX/2019 and a registered mail, mailed on XX/XX/2019 with all the proof given. 
Capital one later sent my account into collection on XX/XX/2019 and reported this to the three major credit bureaus with a late payment balance of {$94.00} which they said was reported a ccurately. 
I later found out that they closed the account for being more than 90 days late. 
Below i have added the letter sent to me by the billing company .XXXX .
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear Manager ; I thought I had already dealt with this 30-45 days ago when I called BESTBUY CITI directly and spoke for hours with the management team in regards to this situation. The manager I spoke with mentioned and confirmed that they had the wrong address and phone number on file since the opened the account. She said because of those internal errors, she submitted a request to demand a correction on that account and refund any fees, etc. I NEVER NEVER RECEIVED ANY BILLS OR CALLS, because it seemed like you guys had wrong information in the system.

Again, I was shocked TODAY when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a multiple payment on the date below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 for 30, 60, and 90 days late.

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought I made myself clear i never received any statements since the inception of this account and any form of communication. I was told and promised that the account was going to be re-opened, fees reimburse, and late payments removed, and new statements mail.

Again, I do ask in light of the good standing relationship we have that you remove ALL late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate.

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time.

I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. 

Thank you! 

XXXX
Consumer complaint received 2019-08-10
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. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I froze my Equifax credit file in 2018 due to their data breach. I am now trying to unfreeze my credit report to apply for a credit card. Equifax is not allowing me to access my online account. When I called the representative on the phone was unhelpful and stated he could not verify my information since I do not carry a balance on any of my credit cards.
Consumer complaint received 2019-08-10
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. (IA)

Sent in a handwritten dispute to XXXX on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my Experian credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, Experian and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified
Consumer complaint received 2019-08-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (TX)

They along with federal national mortgage ( XXXX  XXXX ) illegally took our name off the title of the house at the appraisal district and pulled a fast one on me. Mr. XXXX passed away he was a veteran. I probated this estate so I inherited his house and the debt? Now they haven't honored a thing they have said. They are charging nonsense fees and saying one thing doing another. They were also suppose to give time to sell and didn't honor that? There paperwork doesn't even add up. They have lied to us numerous times. Falsified foreclosures numerous times it's not right. they have lied to me over and over. They tried to act like we didn't have a will. There are numerous people in this scandel they pulled.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I notice the charge of XXXX  on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX  so I XXXX  I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he XXXX XXXX will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX security breach data breach and I wonder if I was a part of the XXXX XXXX as well
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I found that I have been a victim of iIdentity breach. My social and account info was being sold on the dark web. They attempted many times to get a credit card from ; Capital One bank on these dates. they tried 3 times. 

XXXX XXXX XXXX I have asked both the Capital One bank and the reporting agencies. I am complaining about XXXX they wont delete them from my credit report. they said to complain to Consumer Finance. The othe credit reporting agencies have deleted the fraudulent hard `inquiries Please remove these items from my credit. 

I am requesting that this item be fully investigated under your statutory obligation as outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies promptly investigate disputed items and remove any inaccuracies. Delete Now. Thank you
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

On XX/XX/2019 I received my monthly statement indicating a bankruptcy message on my account. However, I have never filed for bankruptcy. I contacted the loan servicer via phone and explained that I did not file bankruptcy and that the information on file is incorrect. They responded by telling me that name of the person who did file along with the bankruptcy case number. I stated that I did not know the individual and they do not live at my address. I contacted the loan servicer again on XX/XX/2019 and explained the situation again to have the bankruptcy removed from my account so that I could make my mortgage payment. They responded by telling me that the individual who handles the mortgage resolution had been out of the office for a while and that they were behind on processing information. Yet again, I contacted the loan servicer on XX/XX/2019 and this time was that although the person that filed the bankruptcy had a different name, that the last four digits of their SSN was the same as mine. I was then transferred to the mortgage escalation line to leave a message. As of XX/XX/2019 I  have not received a response from loan servicer and am now receiving adverse reporting on credit reports. My credit reports now indicate that my mortgage is now CLOSED with a balance of XX/XX/XXXX.
Consumer complaint received 2019-08-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ID)

This is reference to an already open complaint filed with the CFPB ( XXXX ). I really need the CFPB to understand the egregious incompetence of the The Wells Fargo Home Equity Organization. I appreciate the diligence the CFPB has exhibited to date regarding my initial complaint, but the reasons WF is seeking extensions to what should be a relatively straight admission of gross misconduct/neglect is appalling. I am now providing you, yet another example of not only ineptness, but serious violations of all federally mandated privacy laws. Last Friday, I received the attached letter in response to the initial complaint. The letter is addressed to me with my current address, but opens with someone else 's name ( XXXX XXXX XXXX XXXX ). I can only assume I now know that a XXXX XXXX XXXX. XXXX applied for a HELOC and was denied. I only hope my name is not floating around in the world with someone else 's address. My only recourse at this point is to seek justice via litigation, but I will be extremely disappointed if strenuous enforcement action is not taken against Wells Fargo up to and including settlement agreement for my loss of a potential real estate transaction for unreasonable denial of a HELOC. For the record, I DO NOT WANT A HELOC FROM WELLS FARGO. I want recovery in the way of punitive damages. In addition disciplinary sanctions should be levied to the Wells Fargo employees connected with this process to include the letter received from XXXX XXXX ( Executive Resolution Specialist Customer Care and Recovery Group ) andXXXX XXXX at XXXX - Originator of the Loan Application for Wells Fargo.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (SC)

This company Receivables Managment which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.
Consumer complaint received 2019-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There was a recent dispute over fraud activity made on XX/XX/2019 about a hard pull. Capital One and I have had few conversations about it. Recently I went to consumer Financial Protection Bureau and capital one called me back on XX/XX/19 to remove the hard inquiry since it was fraud and not authorized by me. The problem was they said my date of birth did not match what I put on cfpb so I had to resubmit. I wanted to get this all straightened out with them as soon as possible with capital one and the credit companies so everything is accurate. Thank you.
Consumer complaint received 2019-05-16
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: EQUIFAX, INC. (CA)

XXXX XXXX I dispute this Collections account with Equifax fours Times over past 6 months, I reported this account a to the credit bureaus this account was deleted from XXXX and XXXX   however it remained on my Equifax credit report. I have attached all four disputes and I have attached Letter from XXXX saying that they sent a request to the credit bureaus deleting this account. I have exhausted all my options to dispute this file with Equifax but they refuse to delete this account from my credit report. This account was some how deleted on XX/XX/2019 then added back again to my account XX/XX/2019 and every time I call and talk to Equifax Costumer Service they have no knowledge that this was ever done which is an understatement to me because it is reporting on my credit report which is attached for those dates and secondly reporting on a third party website XXXX XXXX. Next I sent in this dispute by mail and Equifax responded that they where unable to find my account which is also attached.