davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have emailed and called Capital One Credit Card numerous times in the last 6 months about my credit card account not showing up on my XXXX. I am trying to buy a house and this is affecting my credit score big time. I have had a credit card with Capital One for over a year now and they still are not reporting on my XXXX but its reporting on all the other agencies ie: XXXX and XXXX. I also contacted XXXX which  puts the blame on Capital One. Capital One keeps telling me when I call that they will update my report and it should show in 30 days. Well 6 months has passed and its still not updated. PLEASE help me resolve this issue! I don't know what else to do.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (NY)

The calls date back to XX/XX/XXXX. I receive/received repeated phone calls from XXXX XXXX XXXX , XXXX. Although the address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX, the company is outsourced in XXXX. XXXX XXXX XXXX , XXXX is trying to collect money for an account from XX/XX/XXXX. All of my accounts with this company are outdated. The customer representatives have incorrect address on file, my accounts are passed to more than one person I continue to speak to different people regarding my information. When I ask to mail all of the information regarding my payments that are due, the response is " I only handle this account '' although my accounts are with the same company. One of the representatives was condescending and rude and some customer representatives were aggressive and wanted me to make a payment during the phone calls. When I asked to speak to a manager, I told him about the situation, the manager was rude as well. I think it's unfair for me to make payments on closed accounts. It's also frustrating to have multiple customer service representatives calling me and pressuring me to make payments for multiple accounts all at once/same time for debt that is over ten years old.
Consumer complaint received 2018-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

Closed escrow on my first home in XX/XX/XXXX. I paid a large amount for my escrow account and payments to be handled in a professional manner. In or around XX/XX/XXXX, I was contacted by Primary Residential Mortgage Company of an escrow shortage not forseen earlier in the year. My payment would go from $ XXXX/mo to $ XXXX/mo for one year to replenish the escrow account. In or around XX/XX/XXXX/XX/XX/XXXX I received another letter after numerous attempts to get additional information about the shortage by calling to no avail. The next letter from Primary Residential Mortgage Company stated that once again there is a shortage in the escrow account and my payment would pretty much remain the same for calendar year XX/XX/XXXX. We contacted Primary Residential Mortgage Company executive offices in XX/XX/XXXX to request a complete audit on the mortgage from it 's inception and was told it would be completed in approximately 2 days. On the phone with XXXX XXXX, Primary Residential Mortgage Company executive offices, the call was dropped and she never attempted to call back even after several messages were left between XXXX 's number and the CEO 's secretary 's number, I believe her name was XXXX. We did receive a letter stating a separate audit was completed on this mortgage on XX/XX/XXXX stating there were errors found and that we would receive a refund, we do not recall ever receiving the refund. It is my belief that if Primary Residential Mortgage Company can not accurately account for the escrow accounts of their customers without breaking their savings account in the process, for services paid for and rendered, Primary Residential Mortgage Company should have to compensate for such a radical error. Especially on someone 's first home buying experience which has now turned into a nightmare with a mortgage company who could careless about the younger generation and how business is to be conducted.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

The following CITICARD opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXXwhy now? 

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious? 

Thanks for your attention! 
This has been paid in full at least 5-10 years ago, unknowingly after the statute of limitations made it unnecessary, through a debt collector : CITICARDS CBNA Account Details Last Reported XX/XX/XXXX Creditor Name CITICARDS CBNA Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.
Consumer complaint received 2024-10-06
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. (NV)

XXXX XXXX XXXX XXXX ONLY ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6400.00} XXXX SYSTEMS XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX ALL FRUDULENT NAMES, ADDRESSES AND ACCOUNTS REMOVED IN XXXX BUSINESS DAYS
Consumer complaint received 2018-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXXCreditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility  Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DXXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00}XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00} XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00}
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

In XXXX of XXXX a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion Honda financial still had a XXXX balance. But she this car was purchased directly from.honda we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. Honda financial has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Consumer complaint received 2018-01-13
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. (LA)

I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( TRANSUNION ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT TRANSUNION? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
Consumer complaint received 2018-01-15
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. (FL)

I received a response from Experian from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report Experian is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and Experian has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but Experian is not using all information before placing things on my credit report.
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (FL)

On XXXX XXXX, XXXX, I received an alert through my XXXX credit monitoring app that Accelerated Financial Solutions had placed a new account on my credit report. This account says it was opened on XXXX XXXX, XXXX with XXXX, which is not true. This is an account that has been previously disputed by me, and it does not belong to me. It was removed from my credit report approximately a year ago but has now reappeared.
Consumer complaint received 2018-01-13
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: Experian Information Solutions Inc. (LA)

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.
Consumer complaint received 2017-10-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In XXXX XXXX, I was contacted by XXXX XXXX, who identified herself as the HR Manager for XXXX XXXX, an international company expanding to the United States. She said that she had found my resume online, and after the course of some interviews offered me a position as their Supply Chain Manager representative in Utah. 

On XXXX I was contacted by XXXX XXXX, who introduced himself as the Regional Manager for XXXX XXXX and would be mentor for a 30 day probationary period.
During the 30 day probationary period I was assigned daily course work. 

On XXXX, I was instructed to transfer {$22000.00}  from a XXXX XXXX XXXX bank account that XXXX XXXX had setup, to my Bank of America credit card and purchase XXXX XXXX XXXX The XXXX XXXX XXXX were to be used for the purchase of XXXX XXXX for the new XXXX XXXX remote offices. I transferred the money ( XXXX )  waited a few days to insure the transfers had cleared, and were credited and reflected in my Bank of America account. After seeing that my Bank of America credit card account had been credited {$22000.00} I made the purchases. 

On XXXX, I was again contacted by XXXX XXXX, who stated that they had misjudged the number of computers needed, and had deposited an additional {$12000.00} into the XXXX XXXX XXXX account to be utilized for the purchase of the additional computers. Again I transferred the money ( {$12000.00} ), waited a few days to insure that the  transfers had cleared, and been credited to my account, and made the purchases. 

On XXXX, I checked my Bank of America statement online XXXX and saw that all the transfers that had been posted to my credit card had been returned as being " denied '' by XXXX XXXX XXXX. 

Having found that the transfers had been denied, I tried to contact XXXX XXXX, but did not get any response. 

I also contacted both Bank of America and XXXX XXXX XXXX, and they were of no help. 

On XXXX I contacted the XXXX County Sherriff Department here in Utah, and opened case XXXX for the investigation of Fraud. 

The investigation was concluded in XXXX XXXX, XXXX. 

I have been in contact with Bank of America numerous times to have the fraudulent charges totaling {$34000.00} removed, credited from my account, but so far, they have not been willing to assist. Even driving 580 miles on XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX nearest physical location/branch to meet with their representatives and present the Sheriff 's report.
Consumer complaint received 2018-01-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Experian has been contacted more than the allowed times on a agency called municipal credit union. This account has never been verified in writing with proof to me as requested from Experian showing that I have any account. Negative or positive. Experian always says verified with no proof. Experian has also placed three names on my credit report and one name is not mines following any government i.d . the company is dishonest