davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Hello, my name is " XXXX XXXX XXXX XXXX ". I have been trying to report about inaccurate items in my credit account but none of my afford has worked. I request investigations on these derogatory account that I list below : **Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipted any loans or credit from this company. 
*Credit card* _ XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX how can there be {$6800.00} in a closed and charged off account. DELETE IMMEDIATELY!! 
XXXX XXXX  XXXX : XXXX. XXXX, XXXX HOW CAN THERE BE XXXX $ IN A CLOSED AND CHARGED OFF ACCOUNT. DELETE IMMEDIATELY!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX How can there be {$5800.00} in a closed and charged off account. Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$230.00} payment in a charge off account. Delete it please. 
_CHILD SUPPORT XXXX VA Reported : XX/XX/XXXX This account is not mine. I never receipt any credit or loans from this company. In addition, this account is derogatory and obviously demand to be removed as they have {$73000.00} payment in a closed and charge off account. Delete it!!! 
XXXX XXXX XXXX XXXX - XXXX XXXX  Reported : XX/XX/XXXX Again, all these account are inaccurate, they all try to take my money for something I don't own. {$27.00} in a closed and charged off account. Delete it immediately _XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX I do not have a financial obligation with THEM. Please delete this reference on my credit report. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never own any loans or credit from this company. Provide me full documents or delete it immediately. 
*Collection** _XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me full information about this collection prove that you has follow all F.C.R.A requirements, including proofs of any writing mail or disclosure as I never receipted any about this collection. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any credit or loans from this company _XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Provide me information that this is my account or delete it!!! 
XXXX Public records** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is not mine. Please delete it as they has a big negative effect to my credit report.!!
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2020-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I ordered a pair of clippers from Walmart using the Walmart credit card by Capital One. This was last XXXX. I never received the item. Walmart sold the clippers through a third party which was not clearly stated at the time of purchase. I have not received the purchase. The merchant is unresponsive to my requests. Capital One initially provided me a credit from a dispute and on XX/XX/XXXX reversed the credit without explanation. I have attempted to contact the card issuer on multiple occasions and have been met with up to two hours of wait time. This is simply unacceptable. I want my purchase or the credit to my account.
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Consumer complaint received 2020-05-07
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (PA)

I had my account accessed and used in what I believe was a scam activity. Someone was sending money to my account and distributing it within seconds to another account via friends and family according to paypal they are saying it was me doing it when I have provided them with everything I possibly could obtain to prove it was not my doing. I do not feel obligated to pay something that I never had the money for and have no part of.

PAYPALnever looked into the unusual activity in the account. I uploaded several documents of me reaching out to individuals trying to obtain why the money was coming in and going out. The activity they are claiming to be seen on the account is not valid. I reported to paypal several times, via email, spoof, phone calls, and reports that the matter at hand needs further looked into. I had my identity taken from me on this matter, I informed paypal of this issue and did all the security measures they recommended. I cancelled my paypal card due to it being stolen, they issued a new one and I never activated it. I contact my cell phone provider about my device that I did all my banking and personal use on was stolen. I was issued a entirely new device with a new IP and did everything they recommended. I have contacted my bank and put a freeze on my one and only account. You can see that I never touched any money that came in to that account that was suspicious to the activity. The money was withdrawn immediately from a unknown source. I have no relations or affiliation to whom ever received this large amount of money. I will be contacting consumer affairs.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (FL)

This company has a collection on my credit report saying that I owe money for an apartment when. I Didn't. I applied once yet they charged me for three times for an apartment when I got denied the first time why would I apply two more times the leasing lady who was helping me tried to get me approved and she sent me the link to finish my application me not knowing it was for the wrong apartment it was not the one I had seen and already started the process she said my application was not completed and she sent me a link to finish it she sent the link twice and they were the wrong apt numbers she did that and now I am being charged I have the emails showing where she sent the wrong links making it seem as if I was applying for more then one apartment why would I do that who has money like that to waste. I will send this  collection agency to court and sue For scam I have the emails also the bank statement where they took the money for the one apt that I  originally applied for and got denied why would I be XXXX enough to apply again that makes no sense anybody can see I am being scammed I called them and they saying that the collection agency is who I should sue because they now own the collection and I will and I want this collection agency to be reliable for fraud they scamming me and I have an email of the link the leasing lady sent me making me apply for other units and the lawyer I spoke with says this apt complex has others they are doing the same to as well I will take this to court the lawyer even sees what was done the leasing lady messed up and now I am being charged it's not right anybody with common sense can see that and anybody with common sense will know that nobody will apply for an apartment 2 more times after being denied the first time who has money to throw away the leasing lady sent the wrong links she was supposed to send me the link to finish the first application yet she sent me two different apt links I  have the emails and I will take his to court. I am being scammed and this company needs to take this false information off of my credit report or I will sue. I have the emails and bank statement saying they took a payment for one apartment already and the emails saying she sent the wrong links and the email that she sent me saying to go back in and finish the application with the links attached she sent it twice to me and me trusting she knew what she was talking about did as I was told now I owe all this money I even told her when I first came in that I had an eviction and she said it was okay because it was old and she convinced me to still apply because it was old knowing from the start that I was going to get denied I wouldn't of never applied for two extra apartments or the first one yet she convinced me to apply I have the emails I am taking this collection agency to court. I have the links she sent me and also the email of her saying to go back into the links and redo the application she had me do it over twice ...
Consumer complaint received 2018-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Transaction was made on XX/XX/2018 using XXXX pay as a service provided by my bank, Citibank, for goods that were later not received. {$250.00} was sent to an individual using this service to an email account. An request for transfer cancellation was filed on XX/XX/2018 with my bank. They stated that they would contact the bank to which the funds were sent and put a hold or refund on this. Today I received a letter from them saying to contact the recipient to resolve the matter. That is not the service theyd claimed they would provide. This is extremely frustrating as there is no notice that this service does not provide any form of fraud protection. They have stated at this point there is nothing they can do. Ive asked for the details of their investigation, but again they said there is nothing to investigate as I had transferred funds in accordance with your instructions. I am shocked they offer this service to their clients without complete clarity.
Consumer complaint received 2018-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (CO)

My account was overdrawn with BBVA Compass Bank due to a returned check but I am disputing unauthorized charges with another bank to get the money back to bring the account positive. I have been making deposits in the meantime to get the account back to a positive status but they're charging me {$25.00} each week for " extended overdraft fees ''. I now have an additional {$50.00} on top of a returned item fee. It is exorbitant and predatory. Anything you can do to assist me is much appreciated. I have no problem paying the original returned item back but I should not be charged {$25.00} every 7 days for something that I have been making efforts to pay back.
Consumer complaint received 2018-08-02
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. (NJ)

XX/XX/2018 : Certified letter received by Experian, from myself, requesting physical verification of the account listed on my credit report from collector : XXXX XXXX XXXX My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from Experian stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from Experian that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
Consumer complaint received 2018-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have had a home equity loan with USAA for about 10 years. Durning that time I have made the agreed monthly payment plus a separate payment ( {$200.00} ) that was applied to principle only. This worked fine until USAA transferred the administrative tasks to XXXX XXXX  in XXXX of this year. Since then XXXX has taken out interest first then applies the remainder to principle. I have called USAA a number of times to resolve this only to be told they will get back to me by the next day, this has not happened. I have also called XXXX and was told by them that USAA has directed XXXX not to process the loan in that manner. I was also told by XXXX that they will send me documents to clarify my loan, this has not happened. 
To support my claim I have : 1. email from XXXX 2. Bank and loan statements from USAA 3. Loan Statements from XXXX I have not attached these documents as they contain sensitive information you stated such not be include in this submission.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accudata Credit Systems LLC (MO)

l was able to address an issue on my credit recently. l began speaking with Accudata, we came to a agreement and an offer was made. XXXX XXXX an accounts representative at accudata informed me the original creditor was not really wanting to settle but she was speaking with them. l had been in contact with the original creditor for a copy of my file and knew this was not true, they had in fact informed me that the debt had been sold and they just verify information if needed. We continued to come to certain terms with accudata, The first offer expired but we continued to negotiate. l requested a settlement letter stating how it would appear on my credit. XXXX XXXX informed me they would not provide the letter l had requested they thought of it as blackmail ... but if we would agree to pricier terms they would indeed send me a letter stating the terms l had requested. We received the letter and paid the agreed amount. When Accudata reported to the credit bureaus they did not adhere to the agreed terms in the signed settlement letter and had no problems being fraudulent and untrue in the statement letter XXXX XXXX sent to us. They in fact stated the opposite. We had also proved we were not responsible for part of the debt. When l contacted XXXX XXXX she stated to me that she did not attach the comment to my credit and it was not her problem how they added or reported items. The credit bureaus are information gathering institutions and report what is reported to them, so XXXX XXXX you are indeed responsible to report true and accurate information and most definitely should not be fraudulent with signed statement letters claiming to settle, report ... .then do not adhere to the settlement agreement. Collection agencies should not be allowed to operate this way. When the are making a profit from buying a past debt and the original creditor is being paid, how would you even know or care if the facts were true ... your getting paid. l realize XXXX XXXX has a job to do, and deals with all types of individuals. Everyone is not the same. And to ruin an individuals credit for another 7 years, when they are trying to do the right thing just seems wrong. l hope this lnformation will help the public in dealing with Accudata. Thank you.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2020, I accessed my Chase Marriott Rewards card online. My credit limit had been reduced from {$25000.00} to {$12000.00}. I contacted customer service at XXXX. I was told a letter was sent out in XX/XX/2020 advising me of the change. I told the rep I never received the letter. I told the rep I have a XXXX credit score on average and have an impeccable credit history with them so why do this to me. I asked they increase my limit back to {$25000.00} given I didn't receive the notification and that it was possible with everything surrounding Covid-19 I should be given the benefit of the doubt. They said the only way that would happen is if I re-applied for the credit increase. I told them to cancel my card if this was how they were going to treat a customer of more than 15 years and they said no problem and cancelled my card. I believe this action was not warranted given I contacted them in a reasonable period of time and my argument was valid and true.
Consumer complaint received 2020-06-17
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. (NY)

I notified EXPERIAN that i am a victim of identity theft and they accused of being a credit repair person. My name is XXXX XXXX and i have fraudulent activity showing on my credit report
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

XX/XX/2020 Midland Credit Management Received a Pre-legal notification today from above debt agency. Called to request a validation letter. Spoke with XXXX XXXX around XXXX. When I requested the letter he told me that they already sent out the validation letter in XX/XX/2020. Explained to XXXX XXXX that I never received the letter. He then asked, How is it that you recieved this notice but not the validation letter? Advised that is the question for the US Postal service. I do not control the mail. I asked again for them to send me the letter, because I need proof of the debt. He stated they can not send it to me because they are only sent out once. Advised again I need proof of debt, i.e original contract, proof of billing and credit. He said they can not send it. I advised I will send my request in writing and they have 30 days to provide me what I am requesting. If nothing is provided in that time frame, I will consult my attorney for guidance. XXXX XXXX stayed he will note that on the file. The call started off rocky, he was trying to force me to verify information I was not willing to verify. Address- I stated that is the address on the notice that I recieved. We ended the call.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have sent two letters to Experian, disputing a XXXX XXXX XXXX item that is not mine, each time, they never investigated the matter. XXXX XXXX XXXX can not provide anything regarding this account legally belonging to me. XXXX and XXXX have deleted this item after investigation.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, 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. (IL)

The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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Consumer complaint received 2020-06-17
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. (IL)

Both Equifax and XXXX  updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.