davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (VA)

XX/XX/year> ( XXXX yrs, XXXX mos ) I am not liable for this debt with NCA. I do not have a contract with NCA .The statues of limitation have past on this debt in my state which is Virginia . The date for the start of this debt for which I have no original contract for with NCA is XX/XX/year> ( XXXX yrs ) .They did not provide me with the original contract. If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2019-04-18
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)

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

My insurance carrier at the time required pre-authorization for a procedure that was done. I was not advised at the time of treatment and i didn't give written consent for payment by me.. I had thought it was resolved on several occasions as i contacted XXXX and they assured me it was resolved. However i continue to see it on and off my credit report. There is no justification for this bill. It was an insurance issue that the provider did not do what they were supposed to by getting an authorization. Is there also a no balance billing in place also here?
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a consumer statement included in my credit report that I believe should have been removed years ago. Transunion added a comment beneath the statement saying that " this statement has no expiration date. '' The statement is in reference to an entry that has previously been removed by Transunion in XXXX of XXXX ... removed over 3 years ago, as the result of a complaint filed with the Consumer Financial Protection Bureau. I believe that once an entry has been removed, that all information or statements related to the entry should also be removed at the same time. 
Note : I wrote a letter to Transunion trying to get this issue resolved on XX/XX/XXXX and on XX/XX/XXXX, Transunion responded by sending me a response where they denied my request to remove the statement.
Consumer complaint received 2019-04-17
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. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX {$1100.00} not mine XXXX XXXX {$2900.00} not mine XXXX XXXX BK XXXX {$600.00} not mine XXXX XXXX XXXX XXXX XXXX {$430.00} not mine
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One credit cards have been in a restricted status for over a year with no separate adverse action letter sent. I called on XX/XX/19 to find out what was going on and was finally told that my accounts were permanently restricted and Id never regain charges privileges. The representative said the great news was that I could apply for another line of credit. 

I was told that I was sent 4 emails regarding restriction notice but I keep all emails from financial institutions and although I received pat due notices, I have never received an email stating that my charging privileges would be permanently revoked or even at risk. 

Capital One is deceptive in continuing to charge membership fees on an account I will never have access to again and in failing to communicate what restricted means and how/if restricted status could be lifted.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NJ)

We closed on our home on XX/XX/2018. We did not receive the closing disclosure until 2 hours prior to closing. At that point we realized that there were a lot of fees and were not explained before. We had no choice but to close because all of this happened 2 hours before the closing. Now we find out that the lender under your guidelines had to provide us with the closing disclosure 3 days before the closing, If they had followed your guidelines we would have had time to find another lender. 

This lender charged us 5.875 % in interest which was " reduced '' because the lender made us pay {$2600.00} in points. We never knew about these points until 2 hours before the closing. In addition the lender added {$2100.00} towards pre paid future utility water payments. We were told that since we used a grant this money had to be used in one way or other and it could not be applied to other closing cost or to reduce the loan amount. Then after we moved in we were informed by the water utility company that the previous owner owed money ( there were no liens against the house ) to the water commission and they kept the money. We never received the credit for the {$2100.00} pre paid towards the water. Basically that money went to the seller without our knowledge until after we moved in. 

We feel that we were deceived by the lender. They did not follow federal guidelines and all of a sudden, 2 hours before the closing, they came up with {$4800.00} in additional costs at which point we had no other choice than to pay or lose all the money we had invested in purchasing our first home.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Over 45 days ago, I mailed in requests to XXXX, Experian, and XXXX XXXX asking them to correct errors on my credit report. XXXX  and XXXX XXXX responded within 30 days, like they were supposed to ; but I still haven't gotten anything in the mail from Experian. I even mailed a follow-up letter to them, which has also gone ignored.
Consumer complaint received 2024-09-03
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 14 ( B ) ( 6 ).
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

Security Credit Service added a collection debt back onto my credit on XX/XX/2019 after it was removed without proper notification which is illegal. The amount was XXXX that was added without notifying me of that a collection would be added to my credit report.
Consumer complaint received 2019-04-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MI)

Our loan was initially through XXXX XXXX XXXX, opened XX/XX/XXXX. We made payments mostly on time for 6 years, 8 months. We knew there was no way we would be able to make XX/XX/XXXX payment, so we requested, and were granted deferment when we made XX/XX/XXXX payment. 
XX/XX/XXXX we were informed that our loan was sold to Planet Home Lending. Planet Home Lending refused our initial payment, as we were a month behind ( and they did not accept partial payment ). We informed them that we were given a deferment, and our account was current as of XXXX XX/XX/XXXX. They said they did not have to accept the deferment, and their records indicated that we were a month behind. We made arrangements to bring the account current, by making 4 payments, by the end of XX/XX/XXXX. Our final payment was scheduled for XXXX XX/XX/XXXX, and would have brought us current as of the end of the month. 
In XXXX, we were informed that on XXXX XX/XX/XXXX, our loan was sold by Planet Home Lending   to XXXX XXXX XXXX, which is a whole other complaint. We were told that there was no payment history with Planet Home Lending, and that we were in default, dating back to XX/XX/XXXX. We explained that we were in fact brought up to date whilst with Planet Home Lending. XXXX XXXX XXXX told us that we were going to have to get verification from Planet Home Lending. In numerous phone calls to Planet Home Lending, we've only been able to successfully get hold of someone once. The individual stated that they would send the proper documentation to XXXX XXXX XXXX, that day. We called XXXX XXXX XXXX, the following week, and were told that they had not received any documentation. In subsequent follow up calls, we are repeatedly disconnected.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I'm lock out of all my money. Online banking change something on Monday XX/XX/XXXX taxes day. They put 74 page read before they unlock your money. They said that they got the word on Friday XX/XX/XXXX. They DID NOT put anything out on Friday Sat, Sun, and lock us out on Monday. 74 pages of bull ... and words that only a atty would know. Why did they do this on the day that you need to move money??? Is they something that they don't want you to see. I still can't get my money. My taxes are not on time, bills are not payed. All this without notice ... why didn't they sent e-mails, put something on the web Friday??? WHY LOCK OUR MONEY TELL WE SIGN. HOLDING MY MONEY FOR RANSOM. YOU SIGN AND YOU GET YOUR MONEY. SOUNDS LIKE WE HAVE LAWS ABOUT THIS ... I CALL THE BANK AND THEY SAID YOU HAVE ACCESS TO MY MONEY. IT'S XXXX XXXX  AND THEY CLOSE AT XXXX. THE LADY DID NOTHING FOR ME BUT ABUSED ME ... I GET A XXXX ON THE PHONE TO UNLOCK MY MONEY TO PAY BILLS. AND I '' LL READ THIS LATER. WELL THAT WAS LIKE TALKING TO A ROCK. PLEASE GIVE ME ACCESS TO MY MONEY.
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (GA)

I woke up to unauthorized inquiries on my credit report and can't figure out why they appeared. When I checked as usual, I noticed unusual discrepancies out of the blue. I even tried refreshing my browser in case it was a technical issue, but the inquiries remained. I need this situation resolved immediately, and I am beyond frustrated. Please check the documents I've submitted thoroughly so I never have to deal with this again.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

I have disputed charges that were not mine back in XXXX, chase decided to reverse the charges without telling me before hand on the investigation. I try to speak to them get a status on opening a new claim so I can just close out the account they charge me XXXX $ everyday for over draft fee. When I ask to speak to manager I am being ignored or talked down to
Consumer complaint received 2019-04-15
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. (MO)

The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX  {$300.00}, and XXXX XXXX XXXX {$91.00}
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I'm disputing the following accounts XXXXXXXX XXXX XXXXXXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and Transunion are damaging my credit with false information. Even though I have detailed the situation to them two times, they have chosen to ignore me. 

In 2015 I had a limousine service. One of my drivers wanted to own his own vehicle. I guaranteed a loan for him from XXXX. Months later, without my permission or knowledge, the driver turned the vehicle back to XXXX, and XXXX accepted it without my signature even though I had an economic interest in it. The first I heard about the situation was when XXXX sent me a letter demanding payment for the loss they incurred in resale of the vehicle. I was never given the opportunity to possess the vehicle and take over the loan obligation. Had XXXX advised me of the situation, I would have simply added the vehicle to my fleet, leased it to another driver and continued making the loan payments. 

Nevertheless, the credit reports from these three companies state that I defaulted on the loan to XXXX, thus substantially damaging me. Obviously, these companies have not acceptably investigated or considered the matter. Please help me!
Consumer complaint received 2024-10-05
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: ALLY FINANCIAL INC. (MI)

I noticed a few hard inquiries. 
Hard inquiries from things like credit applications .i never made none of the company to pull my credit score. 
XXXX 2024 threw XX/XX/year> I never
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I received a bill from a company called XXXX XXXX XXXX XXXX for a dialysis treatment ( date is XX/XX/18 ). I do not get dialysis. Ive never visited this facility or live in the area. And I legally changed my name but the bill is under my old name - which I did not have at the date above. The bill amount is {$1000.00}. 

The collection agency is called XXXX XXXX XXXX ( XXXX ). Ive spoken with them twice and they say they do not have the contact info for XXXX XXXX XXXX. And I can not find them online. So I have no way to contact the creditor.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (TN)

I have an unpaid XXXX XXXX credit card for {$1600.00}. XXXX XXXX # : XXXX. I paid {$22.00} a month but became unable to pay in XX/XX/XXXX. Now debt is with XXXX XXXX/Halstead Financial Serv. My Ref XXXX & XXXX I have a letter stating they will settle for {$1300.00} dated XXXX, XXXX. On XX/XX/XXXX, while with XXXX XXXX, financial counselor at the XXXX XXXX XXXX XXXX, we asked XXXX at XXXX XXXX XXXX to go over offers from the call with XXXX at XXXX XXXX XXXX. He said I refused those offers and they could not offer them again. One offer was to pay {$75.00} down and pay {$30.00} a month. We were not offered this. We discussed what we remembered about the offers such as {$960.00} lump sum. We called back to hear the response to our offer to pay {$1000.00} total by paying {$25.00} a month. We asked him to play the tape of the call with XXXX. He said he would not play if for me but would listen to it himself. When we discussed paying {$1600.00} at {$25.00} a month. XXXX said he couldn't send agreement in writing. When we told him I was on a fixed income, he repeatedly asked/pressured me to provide my debit card number. I told him I would send a money order. He will not provide me with a fair settlement that will pay the debt. I am not able to pay any of the debt and I offered to settle for {$200.00} but they refused. Due to my not being able to pay lump sum I can't get a reduction. I am trying to make a fair arrangement I can live with long term. That wont happen with XXXX. Other creditors have accepted {$10.00} a month and lowered the amount I owe by 1/2. Halsted is also calling several times a day & they call before XXXX XXXX