davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX  remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.
Consumer complaint received 2019-12-12
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. (TN)

I have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is reporting bankruptcy to Experian and XXXX  XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to Experian and XXXX
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!
Consumer complaint received 2019-12-12
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-14
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. (GA)

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

The lender keep placing discharged cram down debt on my payoff statements once in XXXX and again in XX/XX/XXXX one month before the scheduled sale of my property in XX/XX/XXXX. My property was placed on the auction block and there were no bids on XXXX for the property I was a bidder on the property. Within a week the PSO private selling officer for the courts and the plaintiffs attorney filed a sales form with the court stating that the property sold. My lawyer filed a motion in XX/XX/XXXX disputing the sale of the property. I discovered that at that time all XXXX   judges passed a motion to discontinue using POS sellers in XXXX County Common Pleas court in Ohio. The debt collector XXXX XXXX was successful in getting the judge to confirm the false sale and taking possession of my property which I had two  tenants living in the duplex at that time. The Shellpoint the loan servicer sent me a 1098 listing interest that I never had paid in for XXXX. The 1098 also was showing a balance of the loan debt at {$44000.00}. Shellpoint finished with a 1099-c forgiving {$11000.00} of the principle loan debt and telling the IRS that the fair market value of he property was only {$35000.00}. 
Conclusion : In XX/XX/XXXX I file a motion to have have the sale reversed and was able to convenience the courts by a phone call recording I was able to get form XXXX that the property never sold in XX/XX/XXXX. The sale was vacated by the Judge XXXX but part of the judges decision was that the property could be resold by the courts own Sheriffs department. As a result of the false sale resulted now I believe to be a issue with part of the decision by the courts. The claim is that part of the debt was already forgiven by the lender by a 1099-c and the debt collector XXXX XXXX  under the assumption that the false sale went though and the case was over paid off the first lien on the property used in the original foreclosure sale. 
I am looking for the new sale date to be vacated and the POS seller auctioneer hired by XXXX XXXX to be investigated by the Ohio attorney generals office for fraud in the sale of my property. I do not owe what the sale states I owe on the property note and the information obtained by the sheriffs sale and used as public notice must be correct.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

This is my first time attempting to get my credit report from Experian through XXXX. 

I fill out the online form and when I submit, I receive the following message : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. '' My credit score has dropped significantly and I'm noticing strange debt in my credit card report. This service is offered freely for us tax payers, and I thank the US government for that. However, Experian should be accountable.
Consumer complaint received 2019-12-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Account Services Collections, Inc (TX)

A paid account with a XXXX  balance with Account Services is still appearing on my credit report and they will not remove it. Please have this removed as it is affecting my credit score and has been paid 3 years ago. The amount paid was {$87.00}
Consumer complaint received 2020-01-16
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. (OH)

On XX/XX/2020 I received my dispute results from Equifax in the mail. Their reinvestigation showed that they removed two unauthorized inquires from my credit report. XXXX XXXX XXXX, XXXX and XXXX XXXX. Upon checking my Equifax credit report today, XX/XX/2020 I noticed that both the inquiries from XXXX XXXX XXXX XXXX, XXXX  and XXXX XXXX are still reporting on my credit file. Enclosed in this complaint : Theft Report, Letter to Equifax, Drivers License & Social Security Card, Proof of Residence, Equifax Credit Report, and FCRA 605B.
Consumer complaint received 2019-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

I fell behind for XXXX and XXXX of XXXX. I called as there web site was too convoluted to get the payments caught up. What I was told on the phone with the agent, was to put in the XXXX plus dollars and it would be divided and put into, XXXX and XXXX. What really happened was they took the XXXX plus and then tried to take another XXXX on top of the XXXX which i did not authorize and my bank account bounced the XXXX. I immediately went to the bank to find out why I had a overdraft charge. That is when the bank told me about the XXXX after they took the XXXX. The bank told me that they made an unauthorized draft. They credit me back the overdraft. I was then told to contact them by phone. I tried and the phone system would not get me to a person. I stopped all payments and took back the XXXX. I contacted XXXX XXXX to find my next steps. In the mean time, I made my normal XXXX payment of {$1000.00}. There web site did not show the XXXX for a week. XXXX XXXX told me to call and make arrangements for the XXXX. I got through to an agent finally and recorded our call. I and the agent agreed that I could add XXXX to my regular payment and it would be put towards the XXXX till it was satisfied. The Law Firm sent them a letter telling them they made an ilegal draft and need to credit me that. They did not and they have not responded back to XXXX XXXX. At the same time, they keep sending letters of the XXXX being owed and to call them. As we agreed on the phone, I sent to them a bank check for {$1500.00}. I put on there web site, cancel bank drafts. What I got in the mail was I now owe them, XXXX and they did not put the XXXX towards that dept. What they have done is try to take money out of my bank again, even though I cancelled and sent them a check. I have copies of there web site, recording of my call to them, and emails with letters all certified mail. I sent letters and I keep getting letters of dept owed, to call them and all without them honoring anything I have tried to do to remedy the situation. This started in XXXX, XXXX. I was told to file a complaint with you bye my attorney 's with XXXX XXXX and they still are waiting on a response to there initial letter to the Mortgage Company, I have followed my attornys leading in this situation.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (SC)

Last XX/XX/2022 and XXXX XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I submitted a complaint for it Last XXXX but it was closed immediately without getting any response from the companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I submitted a dispute for a car loan with XXXX XXXX XXXX XXXX that was a paid charge off on my account. The results of the investigation stated that the item would be removed in XX/XX/2019. I called XXXX and was utterly disgusted at the level of service that I received. The representative advised me that the item would not be removed until XX/XX/XXXX.which is totally unacceptable. I requested a supervisor and was passed around like a ping pong ball by XXXX, XXXX, XXXX, XXXX, XXXX  (totally condescending and transferred me back to the XXXX  after requesting a supervisor in the USA, XXXX  (hung up on me). At this point they even blocked my cell phone so it just rang when I pressed 2 for a customer service representative but when I called from my house phone a representative picked up immediate while my cell phone continued to ring.I finally got a representative in the USA by the name XXXX  who got me to a supervisor by the name of XXXX, She made every effort to assit but since I verified every item on my credit file successful except the month the dispute was filed they denied me service. This item has been removed from my XXXX  XXXX  report for almost a year so there should be some consistency with how these investigation are managed. If the results of the investigation were inaccurate I should not be penalized for their mistake. This company should not be allowed to manage anything pertaining to peoples livelihood.
Consumer complaint received 2019-12-12
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. (IL)

I've tried several attempts with XXXX  and Transunion concerning 3 accounts. I started XX/XX/2019 with both bureaus. I ran my credit repair and was under the impression I have accounts that are not mine and are unverified. I've attempted to contact both the creditors and the bureaus to receive the original documentation from these accounts. XXXX  was able to provide me with all the original documentation for all three accounts. Under the FRCA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Both companies have failed to provide me any further more information. I would like to know why does XXXX  report state that accounts were deleted. I received my final letter from Transunion on XX/XX/19 and XXXX  on XX/XX/2019.
Consumer complaint received 2019-12-12
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 (AR)

Bank of America attached to my account online message center another B of A customer 's contract documents. No assurance my documents kept private. XX/XX/2019 Bank of America billing dispute employee denied my claim on account ending XXXX. The employee sent notification email  alerting " new message about your claim ''. I logged into Bank of America message center, the denial letter and four additional attachments included on my claim site for account XXXX. The four attachments were for XXXX XXXX of XXXX, AR and contract to XXXX XXXX diet. I contacted Bank of America to address my concerns for my own claim 's 39 pages of confidential documents possibly attached to another Bank of America 's client 's message center. No assurance provided by Bank of America that my documents were secure and just an apology that Mrs. XXXX documents were not kept secure. Also, reporting Bank of America 's involvement in unethical timeshare scams with XXXX XXXX in XXXX, Missouri. Numerous attempts made to Bank of America to dispute the XX/XX/2019 timeshare contract negotiated fraudulently. Attachments included. Supporting documents of timeshare contract with my husband and my SS # s, birthdates, etc. to be provided upon request.
Consumer complaint received 2019-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX
Consumer complaint received 2019-12-12
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. (TX)

Around XX/XX/2019 give or taake a few days I went to XXXX XXXX XXXX in XXXX XXXX Texas which is identified as XXXX store # XXXX I purchase a XXXX XXXX Tv and put it on a XXXX loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed XXXX customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from XXXX. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help
Consumer complaint received 2023-05-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.