davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX  - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Experian - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I, XXXX XXXX entered into a consumer credit transaction with CapitalOne on XX/XX/2020. 

CapitalOne did not disclose to me on the statement received of debt and a statement that unless I, the consumer, within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid Pursuant to 15 USC 1692g ( a ) which is in fact a violation of 15 USC 1692g under the Fair Debt Collection Practices Act. This is proved in the attached exhibit ( s ) attached. 

I sent a letter to CapitalOne demanding validation of debt, requesting the name and address of the original creditor pursuant to 15 USC 1692g ( b ) on XX/XX/2020 but CapitalOne failed to furnish the requested information. CapitalOne replied to my CFPB complain instead with verification of information that I used to open the account. I have proof in the attached USPS return receipt that CapitalOne received my letter and disregarded my request. This is in fact a violation of 15 USC 1692g ( b ). 

The transaction in question is a consumer credit transaction in which a finance charge is involved pursuant to 15 USC 1602. The attached exhibit ( s ) proves CapitalOne misrepresented the character and amount of debt which is a violation of 15 USC 1692e ( 2 ) ( A ) The attached exhibit ( s ) proves that CapitalOne used obscene and profane language in their attempt to collect a debt which is a violation of my consumer right pursuant to 15 USC 1692 ( d )
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please I need an investigation on some fraudulent accounts that are being reported on my credit. I was viewing my credit yesterday when I detected some accounts that our not mine. I did not approve these accounts, nor have I given anyone permission to use my credit. Now I am unable to obtain new credit because of this. Please have these accounts removed from my reports.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have submitted my Credit Dispute to all 3 Credit bureau 's and I have not heard back. I submitted my complains on XX/XX/2020 and have yet to be notified of investigation status or results
Consumer complaint received 2021-01-15
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. (FL)

I have provided XXXX and Experian with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX to Experian and XXXX  so that they can follow accordingly. Experian and XXXX have not updated my credit report. They are ignoring my notices and I have resulted to complain on both Experian and XXXX as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that Experian and XXXX need to remove the inaccurate information.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-15
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. (TX)

I UPLOAD AND MAIL DISPUTES FOR FRAUD AND INSTEAD THEY TREAT IT AS A DISPUTE, THEY TOLD ME TO HAVE A POLICE OR FTC REPORT WITH ACCOUNT AND NAME OF FRAUD LISTED AND I SEND THEM THAT INFOMATION EVER I AM A VICTIM OF IDENTITY THEFT FOR OVER THE PAST 3 YEARS OR MORE.I BEENCATCHING THE THEFT THE PAST 2 YEARS BUT LAST YEAR I WAS SICK AND ALSO LOST MY JOB SO I START SEEING THE EXTRA ITEMS COMING OUT MY ACCOUNT, BECAUSE THE IDENTITY THEFT THAT WAS OBVIOUSLY CLOSE TO ME EITHER AS A FAMILY OR FRIEND, WAS OPENING UP SMALLER ACCOUNTS IN MY NAME AND WAS PAYING THEM THRU MY BANK AND WHEN THE CHECKS START BOUNCING BECAUSE I EITHER HAD ENOUGH MONEY FOR MY BILLS THAT I AUTHORIZED TO OPEN OR BILLS I DEFERRED THRU COVID. THESE CREDIT BUREAUS REFUSED TO REMOVE THE FRAUD ACCOUNTS. I GOTTEN A POLICE REPORT WITH THE ITEMS LISTED AT THE POLICE DEPARTMENT INTERNAL SYSTEM, I ALSO HAVE A FTC REPORT AND A AFFIDAVIT OF FACT SWEARING IM TELLING THE TRUTH, WITH THE BANK STATING I WAS A VICTIM OF FRAUD TO THE POINT THAT THEY HAD TO CHANGE MY BANK ACCOUNT. I HAVE MULTIPLE WAYS TO PROVE ITS NOT ME BUT THIS IS THE BEST ONE. MY MORTGAGE WAS {$3000.00} CAR NOTE {$1000.00} A FEW CREDIT CARDS {$500.00}, WHY WOULD I NOT PAY THE {$25.00} BILLS AND {$100.00} BILLS ALSO THESE ACCOUNTS START GOING NEGATIVE IN 2020, THATS WHEN THE CARES ACT WAS SIGN AND IT GAVE PERMISSION FOR CREDIT CARDS CAR LOANS, ALMOST 90 % OF ALL BILLS TO BE DEFERRED 3 MONTHS AT A TIMEAND YOU CAN DO THEM 2 TO 3 TIMES IN THE YEAR. SO IF THEY WERE MINES, ALL I WOULD HAVE TO DO IS DEFERRED THEM. THIS IS MY 5TH TIME SENDING THESE DOCUMENTS TO THE CREDIT BUREAUS AND THE CREDITORS THEMSELVES, AND THEY SAY WELL WE HAVE A COPY OF THE RECIEPT AND COPY OF APPLICATION BUT WHY OF COURSE. NOBODY IS GETTING THESE ITEMS WITHOUT ID AND ID CAN BE USE STOLEN OR BORROW AND I THINK ALL 3 HAPPEN. UNDER THE LAW I HAVE DONE EVERYTHING CORRECT TO GET THESE ITEMS REMOVE. THIS HAS STOP ME FROM GETTING MY SBA EIDL LOAN BECAUSE OF MY CREDIT AND IT HAS STOP US FROM REFINANCING AND MORE. AND HAS STRESS ME OUT SO BAD TO THE POINT WELL IM TRYING TO RAISE MONEY FOR A LAWYER. I AM SO FUSTRATED FOR THEM TO TELL ME IM LYING ABOUT A POLICE REPORT IS FAKE AND THEY KNOW ITS NOT, THEY JUST HAVE TO CALL THE POLICE STATION, THEY HAVE DESTROYED MY LIFE. I WILL NOT GIVE UP UNTIL THIS FRAUD STUFF IS GONE OFF MY CREDIT AND IM REALLY REALLY THINKING ABOUT SUING THEY VIOLATED MY RIGHTS OVER 100 TIMES, THATS 100 TIMES {$1000.00} PER VIOLATION PLUS PUNITIVE DAMAGES AND MORE
Consumer complaint received 2021-01-15
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: BMW Financial Services NA, LLC (IL)

I am writing this second complaint because on the first complaint I sent they simply said case closed. So this is my response to their reply on my first complaint This is the Second time you are receiving official direct credit reporting issue because I have decided to file it through CFPB after not receiving a response on my previous ones that I have filed. You are hereby saying that I have always made manual payment prior to that date ( Which is correct ) I also stated that after changing my banking info ( Go ahead and check that in your records ) you will see that I have 2 bank accounts on my profile attached, I was told I am good for the auto pay. I switched my bank account and I called to set that auto pay up. The timeframe you said I set the autopay is because I got tired calling you for the same thing and I did it online. Same as you claim that you have called me numerous times and tried to reach me I did the same with you. I called and explained myself that I don't do LATE payments. Your payments are the only one that are reflecting bad on my report. My credit score is again PRISTINE clean with never being late on a payment. Why would I knowingly not pay you and let my score go down? When TONS of your customers were deferring payments due to corona pandemic I didn't and I kept paying. Now here I am trying to remove an injustice done to me by the Bank that I am with for the previous 5 years and in that span I have never missed a single payment, on top of that I have made EXTRA payments ( Maybe you should go and check your system for that as well and let me know ) So my point is why wouldn't you remove something that its not done by me? Is that how you appreciate and look after your current long-term customers?
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
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)

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Nelnet is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus previously on XX/XX/2023, to update this suspicious information. I think you have not validated the account that I want to be validated/fixed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with XXXX XXXX/XXXX/Experian regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from XXXX proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

Servicer Heartland ECSI is charging a {$1.00} Service Fee for a Direct Payment ( payment made directly from my bank account ) for my monthly student loan payment. They recently switched to a new on-line portal system - within the last year - and I had called numerous times to complain that making a direct payment still costs an additional {$1.00} per month, even when I was told that there should not be a fee associated with making a direct payment. Now, their old payment portal has been shut down, thus, forcing me to pay the fee if I am paying online. How many other people is this happening to? This is not a fair practice and I seriously doubt this is an oversight on their part.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX I filed a benefit request with account assure which protects my victoria secrets accounts, account assure paid benefits to both of my accounts. I found out that on XX/XX/XXXX Victoria secret merged the balances of both accounts to one account. My benefits were both approved by account assure creating a XXXX credit on the closed account. I called into Victoria secret to get the credit moved over to the current account, so that would reduce the amount I owe since my XXXX was covered for all charges XX/XX/XXXX and before. I was told a dispute was filed and I would receive a provisional credit on XX/XX/XXXX. I have contacted Victoria secret and comenity and have no luck getting any information. When I logged into my account to check status I see my balance due has double and a balance transfer was completed XX/XX/XXXXfor XXXX the amount that Was a paid benefit from account assure is actually showing as a charge I owe. I have contacted Victoria secret XX/XX/XXXX and XX/XX/XXXX and no on has an answer so now my account balance is over XXXX dollars more than it should be as well as its been reporting horribly to my credit report. I have never had so many issues with a company.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my XXXX XXXX. I have disputed them twice and they refuse to correct the info.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

XXXX I was notified of a debt that was owed. My wages were garnished. 
It was not my debt. 
I was sent paperwork stating that I was having my wages garnished with a fictional judge from my county. 
I went to court as I was on a docket. Spoke with Judge who verified XXXX on paperwork is phony. Received court documents from Judge dismissing suite . 
XXXX and XXXX I was contacted again by the same company with the same debt. 
I never even obtained said debt. 

It is now on my credit as a lein?