davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
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. (FL)

I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office
Consumer complaint received 2024-10-22
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. (OH)

I recently obtain a copy of my credit report and notice XXXX XXXX XXXX XXXX XXXX is reporting a lot of inaccuracies. Under the Fair Reporting Act, I am entitled to dispute any information that I believe is inaccurate or incomplete. I kindly request that you conduct a thorough investigation into this matter and provide me with the results of your investigation as soon as possible. 

I appreciate your attention to this matter and looking forward to your prompt response.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-03-19
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: Self Lender Inc (NY)

I have an issue with XXXX and XXXX reporting. XXXX bank deleted an account off my credit report but it still shows on both XXXX and XXXX. XXXX XXXX is reporting different information to all the bureaus. Which is against FCRA. XXXX is suppose to be investigating this information but it doesnt seem like they are. Also my FICO scores are 200 points less than XXXX and 100 points less than XXXX. Something on XXXX  side isnt reporting correctly. XXXX has 15 inquiries on my credit report that was unauthorized. I have not seek any credit from no company. Why was one paid account deleted from XXXX  but not the other two. Its making my credit look completely off. I need XXXX and XXXX explain why both FICO scores are so off from XXXX. If not corrected in a timely matter i would have to seek an attorney because this is causing me to lose my mortgage loan.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (IL)

On or about XX/XX/XXXX, I initiated a balance transfer for {$5000.00} from a XXXX credit card to American Express. I was told it would take 3 to 5 days. On XX/XX/XXXX, I called for status and was told there was a technical problem and it would be 3 to 5 more days. I called XX/XX/XXXX and there is no information available on status and was told it could be six weeks. I told them after all this time I wanted to cancel the transaction ( it is not being processed at this time ). They told me there is no possible way to do this. I asked if I could cancel my card and they said this would not cancel the balance transfer. 

I have excellent credit and would like to switch to a different card where the customer service people knew what they were doing. Nowhere in the agreement does it say a balance transfer can not be stopped, or that it will take an unspecified amount of time to accomplish the transfer. If they are unable to do the {$5000.00} balance transfer, I have no further use for this credit card.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

I initially mailed a VALIDATION letter to ARS in XXXX of this year ( 2021 ). I only received vague information on their letterhead, nothing proving that the debt could be for me. Next, I submitted a second letter specifically asking for validation, proof ( documents bearing my signature, statements, etc ) and method of verification etc. They in return sent the same letter again. I would like to receive the proper validation I am due by law. If they can not support their claim I would like this collection to be ceased from reporting to the bureaus and also removed from my credit report. This is my last step before going to my hometown court house to initiate a small claims case against HRRG dba ARS.
Consumer complaint received 2022-01-21
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: Nationwide Credit & Collection, Inc. (TX)

NATIONWIDE CREDIT & CO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Consumer complaint received 2022-01-21
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. (NV)

Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.
Consumer complaint received 2024-10-22
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)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (NC)

I purchased some products from XXXX in maybe XX/XX/XXXX, I returned items as they did not fit, In XX/XX/XXXX they placed a collection on my credit report. I sent them verification and it was removed. I found today that it has been placed back on my credit report and re-aged. This is a violation of Fair credit  reporting. Also under NC law an item over three years in non-collectable. I contacted the collection agency and they refused to send me any documentation with my signature and /or a contract with the collection agency that I agreed to pay them or entered into a contract with them.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I had a Synchrony Bank/Walmart Credit Credit opened XX/XX/XXXX and closed around XXXX I believe. At the time of closing this account there was a major problem, my issue was this account was paid in full at the location in XXXX, Maryland. The payment that I made didn't post to my account until 3 days later. When I call the Customer Service my payment disappeared Walmart Customers Service said there were having system problems. My credit card account end up going to collection. I recently received a check from Synchrony Bank/ Walmart saying that they issuing me a check for overpayment.
Consumer complaint received 2022-01-21
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: Lockhart, Morris & Montgomery Inc. (TX)

LOCKHART, MORRIS & MONT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. ( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a long-time customer of Wells Fargo bank ( 37 years ). We have safe deposit box at their branch at XXXX XXXX XXXX, XXXX XXXX, CA. On Friday, XXXX XXXX, XXXX  I went to withdraw urgently needed assets from my safe deposit box and the branch was closed. I called Wells Fargo to find out how to access my funds. 
After numerous phone calls, callbacks etc. I was told the branch was " temporarily closed. '' The agent did not know when it closed or when it would reopen. She said I was sent a letter about this closure. I said I never got the letter. She looked into my record and agreed that a letter had never been sent.

I asked to speak to a supervisor and spoke with two others. None could tell me how to access my safe deposit box today. They said they would send someone in another department a letter that would take one to business days which is long past the time I need assets from my box. 
I also asked to have my {$45.00} safe deposit fee refunded since I'm paying for something I have no access to. They said they could not do that over the phone either. 
I'm not sure how I am going to come up with the assets I need to close another financial transaction today. 
PS : None of your web CFPB complaint pages have a circle to check for Safe Deposit Box issues or branch closers or " other '' so I just put it under checking accounts.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

recently checking my credit report i noticed that l 've been a victim of identity theft and found numerous credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-21
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. (CO)

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay. 


THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
Consumer complaint received 2021-10-20
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: JPMORGAN CHASE & CO. (NJ)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

For the last several months I have talked to XXXX re their continued use of an escrow account that they set up to deal w a gap in insurance that occurred in XX/XX/XXXX/XX/XX/2021. I pay my own insurance ( I have furnished proof back in XX/XX/2021 ) and I pay my own taxes. The insurance issue was settled and I received a letter re that but they continue to deduct a monthly amount from my payment ; then tell me that my payment is " short '' and they " suspend '' my account. All because of an escrow account they set up and will not turn off. I get " robo '' calls re my " short '' payments at least four times a week. when I explain that the problem is theirs they : promise to fix or just hang up. This has been going on for four months or more. My XXXX loan # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am not sure how their lack of resolution for this problem has effected my credit rating etc. I have spent countless hrs on the phone talking to every level of this company to try to fix their error. Still have not got any notice of it being fixed as of today ( XX/XX/21 )
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PR)

Original Creditor : XXXX XXXX XXXX : {$240.00} I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, XXXX, I even sent documents and called XXXXXXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a FEMA employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I am a 100 % XXXX veteran who went to my XXXX to get an tax exemption which went through. The XXXX back paid me {$10000.00}. This was back paid for all taxes I paid from the years of XXXX to XXXX. The county tax lady told me due to some problems with the check and a ex wife on the deed, that she could mail the check to Rushmore Loan Management Services and that they could not legally keep that money past 30 days. Here we are now going on two months. I am also behind on my mortgage and was expecting this money to help with several financial issues. I been calling in and calling in and all I get is lie after lie. People telling me they sent the money or that they sent the money to the title company, however when I ask for the title companies name and information they don't know what it is. 
I just want my money, and the last call I made to them made it known that they were keeping the money because I have six accounts and I have no clue what that even means. All this time over the past 2 months they been telling me its on the way. I am at my end with this company. I don't know who to even turn too. I just want what is mine. Rushmore Loan Management Services LLC. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX
Consumer complaint received 2022-01-21
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: HYUNDAI CAPITAL AMERICA (NJ)

In XXXX of XXXX I opened an account with Hyundai Capital Amierca to lease a Hyundai XXXXXXXX. Every payment was made on time ( or early ) between XXXX and XX/XX/XXXX. 
In XX/XX/XXXX I received an offer to trade in my lease early with XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Part of this deal was that they would make my final payments for the existing lease and I would start a new lease with my next vehicle. We proceeded with the transaction and I began my new lease. 

In XXXX of XXXX I received a letter indicating my payment was late for the existing vehicle. I brought the letter to my dealer and they called up Hyundai Finance and advised me not to worry, their check was sent to them and there is probably a delay. This occurred in XX/XX/XXXX again and I was told the same thing. 

By XXXX of XXXX the creditor had put the account into collections as a chargeoff. I then came into dealership, made them conference call Hyundai Finance and it was at this time the dealer realized they made an error in calculating payoff. They immediately sent the check to Hyundai Finance and the account was closed as paid, with a charge off. 

In the following XXXX years, I returned to the dealer several times asking they contact Hyundai Finance as my credit report was showing XXXX late payments and a charge off. The dealer reached out and was told this information would be corrected. 

This past XX/XX/XXXX, my wife and I began looking for a home and upon checking credit I noticed this issue remained uncorrected. I called all credit bureau 's opening several disputes which all returned without any change. Upon calling the credit bureau 's I was told that I had to write the creditor as they can only report what the creditor agrees to. 

Over the past 4 months I have called and written the creditor only to be told ultimately that while they understand the dealer made the error, they would not update the reporting information as it was " correct at the time ''. I asked if they understood I as the consumer was not at fault and they indicated " yes, we understand, the dealer is, but the information being reported is technically accurate ''. 

As the innocent party, following the direction of the dealership who assumed responsibility for payment, I don't understand how I end up the damaged party. As Hyundai Capital America has refused to make a change, I am requesting your assistance in correcting this information. The attached letter contains account numbers, address 's for relevant parties as well as the dealers own words on the current issue.
Consumer complaint received 2022-01-21
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2023-07-01
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$550.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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