davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
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. (MS)

XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On Experian, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX isnt reporting any payment information with XXXX. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FC HoldCo LLC (AL)

I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Contacted Eastern Account System on multiple occasions, XX/XX/2018, XX/XX/2018 to understand where this debt was coming from. Insurance covered all costs and I copaid at hospital. I would like this debt immediately removed from my credit report because they can not find any paperwork to support my owning the debt.
Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STONEGATE MORTGAGE CORPORATION (CA)

XXXX XXXX, XXXX # XXXX gave me a pre-approval letter. I never communicated with XXXX XXXX. My real estate agent did all the communications with XXXX XXXX. I found out later that my real estate agent is a con. I just realized that XXXX XXXX  and my real estate agent connived in producing a fake pre-approval letter to make me believe that I have no problem buying a house.
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I do not know anything about buying a house. I trusted my real estate agent. I believe XXXX XXXX was paid by my real estate agent to have the pre-approval letter. I do n't even know that I should be given TILA-RESPA Integrated Disclosures ( TRID ). XXXX XXXX should be fined and his license should be cancelled. My real estate agent is now washing her hands and she is claiming that she does not know anything about loans and XXXX XXXX did that on his own. Please investigate XXXX XXXX and find out how did he write a glowing pre-approval letter without a loan application.
Consumer complaint received 2017-07-05
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. (FL)

Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX XXXX and XXXX, Experian, and XXXX for which they claim My account was charged off {$1100.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2020-08-22
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: WAKEFIELD & ASSOCIATES, INC. (CO)

I have never received any correspondence from Wakefield & Associates in my name. I have never opened an account with Wakefield & Associates, nor have I ever received an invoice, or billing information. 

The only correspondence that has been sent to our household was addressed to my wife, regarding a duplicate billing error made my XXXX XXXX, that Wakefield & Associates is trying to collect on. After my wife collected, and sent to Wakefield & Associates, itemized billing information from XXXX XXXX XXXX, documenting the errors that they made, and XXXX did not correct. That issue is currently in the court system, awaiting trial, not the mediation company that Wakefield & Associates " suggests '' that she uses. 

Again, I have no account with Wakefield & Associates and owe them no money. However, even though my wife 's issue is currently in the court system, and I have no records with Wakefield & Associates, the Company has chosen to make false derogatory claims on my credit report.
Consumer complaint received 2017-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed  XXXX  unverified accounts and unauthorized inquiries. They previously wrote back that they would n't be re investigating the accounts. They sent me a fraud alert from to inform me that a fraud alert had been placed on my account then turned around and sent me paperwork of not being able to locate my credit report.
Consumer complaint received 2018-07-23
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc. (SC)

We mortgaged a home at XXXX XXXX XXXX XXXX in XXXX, South Carolina. We took out a reverse mortgage which was serviced by RMS ( Reverse Mortgage Solutions ). We put our home up for sale in XX/XX/XXXX. We decided to build a new home nearby. When it was time to occupy the new home, XX/XX/XXXX our XXXX XXXX property was not sold yet. We called RMS to tell them that we were moving out of XXXX XXXX and the property was still on the market. We were told that if the property was not sold in 12 months then RMS would take the property over. This is something we knew before we made this move.

After that we were the recipients of some startling events. Twice there were ominous notes taped to our front door stating that this property was determined to be abandoned or vacant. The note said to contact XXXX XXXX XXXX XXXX about our mortgage. Even though we did not have any relationship with this bank I called the number provided. I was told that they had no loan with us and there must be some sort of a mistake. 
There was also a vendor phone no. I called that no. and asked them about the note. They said that they did not authorize that process and someone must have put the notice on our door by mistake. 
Then I got a call from an appraiser who wanted access to our home. He said that the reason was that the mortgage company had declared bankruptcy on our behalf and that the bank was taking the property over. I checked with RMS. They claimed that I told them we were abandoning the property. Once they understood that was not the case, we thought everything was going on as usual. 
At the closing when we sold XXXX XXXX on XX/XX/XXXX there were some charges added to our payoff. The two signs posted on our door cost {$20.00} each, an appraisal for {$400.00} was charged to us, a property inspection fee of {$740.00} and a title examination fee of {$380.00} were charged to us. I called RMS on XX/XX/XXXX, the day we got our payoff statement, and asked them about the fees. I asked why these costs were accrued in the first place. The answer was that RMS authorized them " because we could ''!

I was told by RMS that I could protest the fees by sending them an email.

I have consulted with my real estate attorney and he recommended going ahead with the sale and protest the fees after the closing. He did not offer any other suggestion.
Consumer complaint received 2018-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : CAPITAL ONE Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-07-23
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 (GA)

Bank of America XXXX XXXX shut down my credit card and reissued me with a replacement and claimed this was because of a fraud dispute they had identified by a company called XXXX though I could not see the charge on my statement. I had a previous fraud claim against this company back in XXXX, and was told by XXXX XXXX that the company was now blocked. I asked how a new attempt could be made against my card once it was blocked -and they did not explain. The next day, on XX/XX/XXXX, two new fraud dispute claims had been entered into my card account -one for an XXXX charge and another for XXXX charge, both of which I had authorized. I told them I did not report those as fraud claims and the charges were fine. They then said the disputes had been entered by one of their fraud representatives -XXXX XXXX   . I asked how that could be since I never reported those charges as fraud and never authorized them to be entered. I believe that my privacy and card security have been compromised by these false fraud claims having been entered without my knowledge or authorization and that mu card was shut down because of this and that Bank of America will not explain what happened or why.
Consumer complaint received 2018-06-07
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. 

I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.
Consumer complaint received 2018-06-07
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. (VA)

My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XXXX of 2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, experian and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to dispute a billing error in the amount of {$700.00} on XXXX/XXXX/XXXX. The amount is inaccurate. I am requesting the error be corrected, that any finance and other charges related be credited as well and I receive an accurate balance. A clerk at Kohl 's Department store processed a payment for {$700.00} on XXXX/XXXX/XXXX, instead of the correct amount for {$100.00}. The bill, was for {$100.00}, the check was written for {$100.00} but the clerk keyed in {$700.00} and it was debited from my XXXX checking account. On XXXX/XXXX/XXXX I notified XXXX of the error. On XXXX/XXXX/XXXX XXXX confirmed the incorrect amount was charged and stopped payment for the {$700.00} and allowed correct payment for the {$100.00}. Kohl 's is still showing I still owe {$700.00} with interest and late fees. I never made any purchases for {$700.00} and have not been able to resolve this with Kohl 's Department Store.
Consumer complaint received 2017-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of issue.
Consumer complaint received 2018-07-22
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. (NV)

My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX XXXX Nevada XXXX. I noticed on my credit report address in XXXX. I never lived in XXXX just XXXX and XXXX XXXX XXXX. Please delete any and all XXXX addresses from my credit file.
Consumer complaint received 2018-07-22
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 (NY)

This will be my third case made with the CFPB regarding the same matter. It's regarding a cashed balance transfer check by an unknown person with an account involving XXXX XXXX. This will also be my second time filing a complaint with Capital One. This matter has been ongoing for almost six months. Every time I've dealt with Capital One, I've been given the run around only to be told it's another institutions problem. Both XXXX XXXX, and XXXX have concluded that Capital One needs to be the party to handle this investigation, because they issued the check. I am currently paying interest on my Capital One Credit card account for an amount of {$3400.00}, that I did not charge myself. It has affected my credit and not to mention the anxiety and frustration I have felt for six months. I feel like Capital One is not taking accountability, and not doing everything possible to see this matter through. An unknown source cashed a check and received the amount of XXXX, and I am paying the price for it. It is fraud or theft and no one is taking it seriously. I want this matter resolved once and for all, or my next step will be to seek legal action.
Consumer complaint received 2018-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WI)

My vechicle payments were applied to a loan for my previous vechicle, which I no longer owned. I had to figure out where the payments went on my own, and explain this to GM finiancial, since GM finiancial had introduced a new computer system, and had major problems. I have phone records and email correspondence proving that I was adamantly pursuing a solution. Once found, GM promised me that the descrepincy would not affect my credit score while they  mailed me checks back so that I could reapply the money to the correct account. Checks took over 30 days to get back, whick delayed my payment. I asked GM finiancial specifically about how this would affect my credit, and was assured the payment would be reported as on time, sine they had the payment to the wrong account would have been on time to the correct account. I would have made extra payments to avoid this damage on my credit report if GM finiancial gave me accurate information that I asked for. Customer service was absolutely unacceptable through all of this, and I had no problem overlooking it as long as my credit was not affected negatively. At no point in all of this could I stay in contact with the same representative, and the representative could not find previous notes for the situation on my account. Everytime I would call, I had to start from the beginning, explaining the situation to the representative.
Consumer complaint received 2020-08-22
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 (TX)

I have reached out to ARS and the hospital in regards to this debt in the amount of {$1100.00}. I would like to know exactly what the charge is for. So long as it is a legitimate charge, I am happy to pay it. However, I will not pay anything If I do not know what I am paying for. I have asked for months for them to provide the bill to me. I know which hospital they say the bill is from and my husband works at the XXXX. No one is able to give us information about this particular bill.
Consumer complaint received 2018-07-23
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. (AL)

I am writing to dispute an account that was created fraudulent. I have disputed XXXX XXXX and XXXX   continues to just update and drop my score every time. The company has hired an attorney and has sent them a contract that does not belong to me. 

The contracted stated I put {$2000.00} down and that is incorrect. The car lot required me to put down {$1200.00}. I gave them {$600.00} and the balance of {$600.00} was due when they finished repairing the car. Upon repairing the car then I would get the official contract to get ownership to the vehicle. 

I request that you remove the fraudulent account that was created to make a sale and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details XXXX   responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (GA)

Upon looking at my credit report on XX/XX/2020, I realized that I had 2 collections from the same company for the same debt, one for {$1100.00} and another for {$1600.00}. So starting off they are reporting FALSE information. On top of that, they WERE NOT licensed when they obtained my collection.
Consumer complaint received 2017-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In XX/XX/XXXX of this year, I contacted Transunion to update my credit report to include my student loan with XXXX. The account is listed on my XXXX report. Transunion said the company was not reporting to them, but that was not true and I confirmed that with the loan holder. Transunion consistently reports my information late and will not make updates, especially on my revolving credit accounts. I am purchasing a home right now and their lack of accuracy in reporting is affecting my credit at a very impactful time. Please assist me with getting this information accurately updated with Transunion.