davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (NY)

To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and Metro 2 standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. I have reviewed my credit report in all 3 bureaus ( Experian, XXXX, and XXXX ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX DEPT OF ED/XXXX  : XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

Equifax and XXXX credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX  XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (LA)

After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX on XX/XX/2020 in the amount of {$460.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Louisiana to collect on this debt. Secondly, XXXX XXXX Adjust, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX Adjust has submitted negative information to all three credit reporting agencies XXXX XXXX, XXXX, and XXXX  XXXX against my name and social security number and is demanding payment from me in the amount of {$460.00}.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (MS)

Im receiving help from XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me of anything in writing. Im not even sure who they are representing. Theyve sent repeated text messages to my phone to which Ive asked them to stop and please send me some information on this via mail. Ive received nothing. They have left voicemails saying if I dont call them back, then matters will be out of their hands. My husband starting receiving calls on his phone as well. They left a voicemail on his phone saying the message was for me, and same thing. If I didnt call then then matters would be out of their hands. XXXX XXXX XXXX has sent a debt validation packet to them on my behalf, and Ive heard nothing and received nothing in return. The calls to our personal cell phones come during hours we are at work as well. The tone of the womans voice in the voicemail is hostile.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Deutsche Bank (CA)

1. On XX/XX/XXXX, we XXXX XXXX XXXX from XXXX invested in XXXX XXXX, XXXX in New Jersey, USA. 

2. In XX/XX/XXXX, XXXX XXXX XXXX XXXX was acquired. We XXXX XXXX  transferred shares to the new buyer. XXXX XXXX XXXX XXXX appointed XXXX XXXX XXXX XXXX XXXX to transact mergers and shares affairs. At that time, DB temporarily withheld an amount of money from all the investors for escrow use, and if there is any left, it will be refunded to the investor time by time. ( For example, to pay taxes ) 3. In XX/XX/XXXX, another XXXX shareholder of XXXX XXXX informed us that DB erroneously withheld 30 % of the tax for overseas shareholders. The nature of this amount is the capital principal and should not be withheld. We immediately asked DB about this. 

4. DB answered that because the W-8BEN form we gave before was expired, they withheld 30 % of the tax directly, but DBs statement has problems : a. The nature of the amount incorrectly withheld in XXXX XXXX is " Investment Principle '' and not capital gain, so it should not be withheld. This is not related to the W-8ben form. In fact, DB made a tax error to cause investors losses, but DB has been reluctant to actively fix this error. 

b. DB said that they had notified overseas shareholders to update the valid W-8BEN form, but we never receive the notice. Another oversea shareholder also told us that they never received the notification, and they also think that DB should be responsible for this. 

c. We asked DB to provide the notified records to us, such as e-mail, etc., but DB has never provided it. We began to question whether DB 's answer was true.

5. DB Services America , Inc. is still unwilling to take responsibility for these overseas investors, which has affected the willingness of overseas investors to invest in the United States in the future. 

6. The complainants this time are 4 XXXX XXXX companies, and the total amount of wrongful withholding tax is XXXX {$180000.00}. We believe that DB Services Americas, Inc. should be held responsible for their mistakes and compensate us for our losses.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-08-26
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: Resurgent Capital Services L.P. (MA)

I have a loan with XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Consumer complaint received 2020-08-26
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. (NC)

I sent dispute letters in to TransUnion on XX/XX/2020. I have yet to here anything from them. Nor did I receive notice that they received my dispute which is a violation.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint wrong furnisher XXXX/XXXX/XXXX This complaint is in reference to wrong furnisher reporting on a XXXX account. Currently this account is reporting under furnisher XXXX XXXX XXXX subscriber # XXXX The correct furnisher is XXXX XXXX XXXX subscriber # XXXX. 
The FDIC has stated on XXXX/XXXX/XXXX the account belongs to XXXX XXXX XXXX and I have been instructed that they are to receive the FTC Fraud Affidavit. 

I have notified XXXX XXXX XXXX through there represented on XXXX/XXXX/XXXX that the FDIC has stated that XXXX XXXX XXXX is the owner of the debt. However XXXX XXXX XXXX continues to report as furnisher. 

I believe I need to file the FTC Fraud Affidavit through TransUnion with a FCRA 605b attached, so that the account can be blocked from my credit report. 
I do not want my FTC Fraud Affidavit to accidentally be sent to the wrong company. 
I believe each company has there own policies and procedures for handling FTC Fraud Affidavit, therefore it would seem important the FTC Fraud Affidavit went to the right company. 
Please see attached letter sent to TransUnion on XX/XX/XXXX and letter from FDIC dated XXXX/XXXX/XXXX stating the account belongs to XXXX XXXX XXXX .
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

Experian Inc. is acting as creditor, which is against the law. The credit reporting agency restricts investigation, indicating that they have already investigated the matter, and wo n't do it again, which is n't allowed, unless its found to be without merit, but each investigation has to judged on its own merit. In respect to Experian, there are XXXX entries on my credit report which are reported inaccurately, and a mountain of inquiries that are n't mine. The inaccuracy of credit reporting by Experian, anyone who knows any variation of your name, your actual address, and a made up social security number can access your credit report, which has happen, XXXX times on mine. Additionally when asked to verify other than by statement the accuracy of any account, Experian states that they verified it. In the last XXXX months Experian has reported an account XXXX, with account number XXXX, indicating the status, while the actual credit report in information has n't been updated in XXXX months. The Creditor reporting agency is acting as creditor for the purpose of collecting payments.
Consumer complaint received 2015-05-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solutions To Portfolios, LLC (WI)

Received a message from the receptionist at my work from XXXX a XXXX XXXX, she left a message advising it was in regards to a legal matter and I needed to return her call. I did call and she said I will be sending a XXXX legal form to your place of employment. I advised her not to call my employer or send any communication, she then hung up on me. I called back and she said, well its going to employer today.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Technology Federal Credit Union (WA)

Prior to XX/XX/2020 : Perfect credit score, no issue ever recorded, score XXXX XX/XX/2020 : Open a new credit card with First tech over the phone and have them setup automatic payments from my savings account. 

XX/XX/2020 : Make a {$14.00} charge on the card, due date XX/XX/2020 XXXX : Since I had not been contacted about a late payment I had assumed the auto pay was working correctly. Use the card again for {$27.00} with due date of XX/XX/2020 XX/XX/XXXX : First tech contacts me to tell me that I have a late payment. I immediately pay the full balance, confused why the auto pay was not working. At this point they have already charged me a late fee of {$14.00} for the original XXXX charge AND reported the over 30 day late fee to the credit bureau. Credit score now XXXX ( an ~100 point decrease ) All of my other credit cards are on auto pay so I had the same setup with this card I received from first tech. For some reason first tech failed to properly setup auto pay and as a result tarnished my perfect credit history. I believe they intentionally did this and waited until after the fee was charged so that they could profit from the fees charged to me. When I applied for mortgage, my lender informed me that he had the exact same thing happen to him with First Tech. He had setup auto pay over the phone and they conveniently failed to set it up, resulting in a massive credit drop and a late fee paid to First Tech. 

First tech has been notoriously bad for reversing fees even when the charge was a result of their mistake. This leads me to believe that they are not operating with good intentions and are trying to maximize profit through extra fees at the expense of the customer.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

This is follow-up to my previous complaints regarding the XXXX XXXX XXXX, who continues to report negative reporting for my mortgage account to all the credit bureaus that I was late/delinquent for my mortgage account. This is completely untrue as I 've proof that my payments were made on time and cleared my checking account into my mortgage account at XXXX XXXX. Attached are the screen shots indicating that. XXXX XXXX agreed to waive the late fee, which should have never been assessed in the first place. I 'm just frustrated with this bank and their lack of professionalism and customer service. Resolving any issue with them is talking to a brick wall. Their people always claim that the customer is at fault.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received an email updating informing me that some collections which were previously removed from my Trans Union credit report were added back which dropped my score tremendously. I never received any type of written or email notification from them stating that they were going to add these items back to my report and know that they should have send me some type of notification within 5 days informing me of why any changes were incurred. All of these items were previously removed from my credit. When they added the items back to my report, they added them as charge offs which was not the case. Everything that was previously removed was a closed collection. I 'm not sure why they added this information back to my credit report or why it was reported incorrectly. When I called and spoke with customer service, I was informed that this was an error due to XXXX app but that was not who alerted me of these negative changes to my report. This information was displayed on my credit wise credit monitoring app.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint against Experian because they are reporting information on a XXXX account # XXXX. They are reporting this account incorrectly and inaccurate they refuse to re dispute the account saying the creditor says they are reporting correctly the account. Experian is reporting the account as a business account when the account is being alleged by target as a personal. The first date of delinquency on the account on the letter directly from XXXX XXXX/XXXX/2009 which means the account is reporting past the FCRA allowed time. I need this account removed from my credit file immediately.
Consumer complaint received 2020-08-26
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. (CA)

When covid 19 started I contacted XXXX about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His XXXXedit score dropped XXXX points. 

I called XXXX several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with Experian. It came back with no change. 

This is not fair at all. I know the XXXX system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc. (SC)

I keep receiving calls from AMCOL Systems in XXXX South Carolina on my phone. This company leaves no messages and has NEVER sent a letter regarding what they claim is owed. I have no clue what they want and I am not calling them back to inquire as to why they are calling as I have no business with this company.