davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (AL)

I recently ran my credit and found AMCOL on my report. Once again I had no knowledge of this debt!! I was never contacted by this company that is violating HIPAA Law! I never knew about this {$200.00} medical debt and now its in collections! Ive never signed any documents with AMCOL!! XXXX and XXXX has deleted but AMCOL is still reporting to XXXX!! Ive sent certified letters and no response! I want AMCOL removed from reporting inaccurate information on my credit!! I demand documentation with my signature showing I owe AMCOL this debt!
Consumer complaint received 2018-11-27
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. (OR)

Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

When I was in XXXX  and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with XXXX XXXX. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from XXXX XXXX for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the XXXX XXXX branch that everything was current ). I have disputed this with XXXX XXXX   directly, as well as Experian, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
Consumer complaint received 2018-11-27
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)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I went to the bank to get mortgage documents notarized and they did not have a notary on staff. Not only that but their website said I should be able to schedule a notary but the website was not working. My complaint is regarding the fact that they did not have a notary available to us at the time we came in and that we could not schedule a notary due to their website being down.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-11-27
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. (AZ)

Transunion verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CO)

XXXX XXXX XXXX is adding interest on top of a judgment that was paid through garnishments of my wife payroll for the amount of {$1600.00} that includes all charges and interests add during the judgment. However, XXXX is asking for the same amount for post judgements payment interest. For the amount of {$720.00}. 

Collection agency XXXX XXXX XXXX XXXX Wants more money on top of the garnishment that was given by the courts.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a car through XXXX, financed through XXXX ( now " XXXX '' ) in XX/XX/2017. I began making payments through the online banking feature at my bank. XXXX/XXXX has repeatedly " lost '' my payments, sometimes finding them days or weeks later and crediting them, late, after charging extra fees and interest. Often, when I call, I am immediately told that my account is " past due '' but there is no record that I have called multiple times about the same issues. This complaint concerns two specific payments, both made on XX/XX/XXXX. These payments, like others, have been " lost. '' I have contacted XXXX on multiple occasions, even sending them proof of payment, asking that the amounts be credited to my account. Their response is to keep charging me late fees. Now they are saying they got the proof of payment, issued by my bank and sent by me, but they want a copy of the actual check. I called my bank, and what they can provide me is the proof of payment I already sent XXXX. It includes the date, check #, expected delivery date, etc. This proof of payment should be accepted by any legitimate company.
Consumer complaint received 2018-11-27
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. (GA)

I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.
Consumer complaint received 2018-11-27
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)

I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$600.00}
Consumer complaint received 2018-11-27
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)

I have 3 hard inquiries on my reports, all relating to credit cards I didnt apply for. Ive been so diligent on getting my reports and collections payed and doing the right thing. Its so not fair these inquiries are there when I absolutely did not apply for them.
Consumer complaint received 2018-11-27
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. (AZ)

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, and XXXX XXXX, XX/XX/2018.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

I left the U.S. in early XXXX  to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

A wire transfer of XXXX $ was fraudulently made out of my checking account at HSBC by someone at XXXX XXXX. The money was withdrawn on XX/XX/24. I have since reported the fraud and made weekly calls in an attempt to have the stolen funds reimbursed. I have waited hours on hold, spoken to 20+ representatives, made several trips to HSBC offices, sent emails as directed to non working email addresses and been hung up on all in an attempt to be reimbursed.
Consumer complaint received 2018-09-14
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. see attach documents as proof of this information being incorrect. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX. I didnt give permission in this service. 

XXXX Inquiry from XX/XX/XXXX i never had contract with this company. 
Synchrony Inquiry from XX/XX/XXXX I receive an alert in my email and had communication but I didnt get resolution because I didnt summit any application. 
XXXX XXXX opened a extra account by error and closed my credit card without my permission. it was in good standing. 
I talked with XXXX  and XXXX  but they didnt remove those issues from my credit report.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had leased office space because of a contract with certain performance issues by the other party so my expenses increased. Because the party did not perform I did not make any income forcing me to get a job with a lower income. This caused me to make payment lower then the amount due. Capital 1 took my security deposit, applied it to the balance and then closed the account despite the fact that I was making good faith payments to demonstrate I wanted to meet my obligation I just did not have the funds to pay the total amount due.
Consumer complaint received 2018-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (VA)

My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people! 

{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type
Consumer complaint received 2018-11-27
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. (SC)

Please investigate this information I am submitting, I've gotten nowhere sending in disputes via certified mail notarized documents and fax. Please block and or delete this information from my credit reports. When I call I get outsource to XXXX or XXXX, my items come back verified electronically. I just want an actual person to read and respond to me, its very frustrating to have my information compromised, and have to go back and fourth for so long and still not get results.