davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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. (OH)

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Consumer complaint received 2020-06-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XX/XX/2020 saying that the XXXX  credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone.
Consumer complaint received 2020-06-26
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: SYNCHRONY FINANCIAL (CT)

Hello- There are 2 hard inquiry on my account, which i didn't authorized nor did i apply for anything. Please investigate and take these off. 

1ST inquiry is from Syncb, Inquiry from XX/XX/2019 XXXX XXXX XXXX 2nd inquiry from XX/XX/2019 XXXX XXXX My name is XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone # XXXX My email is XXXX XXXX
Consumer complaint received 2020-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I notified EQUIFAX that I am a victim of identity theft, and they responded that they were able to VERIFY fraudulent accounts and I would like to know ow do you verify a fraudulent account on my credit report that belongs to someone else
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-06-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

On XX/XX/XXXX I filed an application for a loan to cover the costs of solar panels on my house. I was referred to this company ( LoanPal ) by the sales agent for the solar panel company. ( XXXX XXXX XXXX XXXX ) I was approved for credit ( XX/XX/XXXX ) and was scheduled to make my first payment on XX/XX/XXXX. Since I opted out of automatic electronic pay, I waited for the company to provide me with an invoice. Towards the end of XXXX, I had not received an invoice so I contacted XXXX XXXX XXXX, the XXXX XXXX   XXXX representative, and inquired as to how I was to effect my first payment since I had not yet received an invoice and it was close to the due date. Within days of speaking with XXXX XXXX, either XXXX XXXX, XXXX, I received the invoice. Knowing that payment would be late due to late arrival of invoice, I hurried the next business day to send the payment through a money order by mail. By XX/XX/XXXX I began to receive multiple calls from a representative of LoanPay ( XXXX ) and he was insistent on signing me up for automatic electronic pay which I explained to him that I had opted-out of autopay. This person persisted on calling me repeatedly on my cellphone until I decided to make a one-time payment through my wife 's credit card to get him off my back and to expedite receipt of payment. Since I had already mailed my payment, I waited to hear back that payment had arrived and that it would either be submitted as credit to be applied for the month of XXXX or returned to me. Due to the COVID-19 situation, I was not able to contact anyone at LoanPal but was hoping to clear up this issue as I live on a monthly pension and have limited financial resources. I completely forgot about this issue due to the worsening of COVID-19 complications and sometime after XXXX, after again not receiving an invoice on time to make a timely payment, I started getting calls from the LoanPal representative regarding my XXXX payment. I explained the situation regarding the double payment sent the month before and he completely disregarded my explanation and continued to once again insist on signing me up for auto-pay and I again I refused and informed him that I had opted out of that option and that I was not about to make a second double payment. I began getting emails and phone calls attempting to force me into making another payment and I opted to writing LoanPal/Customer Service through email furnished by XXXXXX/XX/XXXXXXXX. I was not able to get any resolution and they insisted that my monthly payment was delinquent and that I would accrue additional late fees. I opted to wait to send the XXXX payment but harassing calls and emails have persisted, insisting that I now owe them {$160.00}. I get 5-6 harassing calls or emails per month.
Consumer complaint received 2020-06-25
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. (LA)

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was impacted severely by the current pandemic, suffering severe medical issues and unable to make payments until now. I called in, requesting a payment plan to make the loan current and catch it up and even pay it off. I requested this under the CARES ACT which should have spared my credit report from being negatively impacted as well. USAA refused to allow me to bring the loan current and correct the negative reporting on my credit reports, refused to make any accommodations and requested I go online to file a credit dispute. However, my USAA online account was restricted by USAA previously and I've been unable to log on to make payents, see my account number, amount due or really do anything with the loan. I've always been required to call in to make payments during their business hours, which due to my health issues I've been unable to do. Now they are telling me, there's nothing they can do the loan is charged off and there's nothing I can do to protect my credit and make it current in accordance with the CARES ACT.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

Collection company ANFI is trying to collect a debt of {$630.00}. XXXX is the alleged original creditor. XXXX was PAID IN FULL ... .. somehow ANFI is trying to collect a debt that is not owed. I sent ANFI a letter and did not get a response and this item is reporting on my credit report. Please remove/ delete this item from my credit report as soon as possible
Consumer complaint received 2020-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

My loan was serviced by XXXX XXXX and was transferred two years ago to First Citizens. I began receiving bills that included fees that seemed inaccurate, AND they informed me that I was past due ( which I was not ). For two years, EVERY MONTH, I have been trying to resolve this on the phone with them -- they will not allow me to escalate the matter on the phone, but promise return phone calls never come. Finally, in XXXX of this year ( after I called the CEOs office number ) I received a call acknowledging that I was not late, but was in fact paid a month ahead. To correct it they told me to skip a month 's payment -- I did and that portion of the problem was correct EXCEPT I had asked them to remove the late fees and correct derogatory credit items. They again keep promising me call-backs that never come. They have not even attempted an explanation for the new " fees. '' On the advice of an attorney, I sent them a formal request in writing to fix the problems. They received it 2 weeks ago and have yet to acknowledge my letter. They are required to acknowledge it within 5 business days. They acknowledge the problem when I call them, they won't let me talk to anyone and promise me calls back -- they never come and the problems haven't been explained or fixed.
Consumer complaint received 2020-06-25
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)

I have sent TransUnion a total of ( 5 ) written requests over the past year and a half to validate a Chapter XXXX Bankruptcy displaying under my credit file. The credit bureau responds to my requests with the same messages repeatedly by stating that the investigation was verified and reports accurately as to how it reflects with the US Federal Bankruptcy Court. Transunion does not send supporting documentation ( method of validation used - who validated and their contact information ). A general statement as a response to my inquiry does not validate such request. How was this vallidated? The US Bankruptcy Court does not validate with 3rd parties. 

1 ) TransUnion responded that the completed investigation was verified by the data furnisher 'USBK Court XXXX Florida ' and that they will NOT continue to re-investigate such requests from me. 2 ) I took it upon myself to send a letter to the USBK Court XXXX Florida and asked how such procedure information is validated with Credit Bureaus. The USBK Court House sent me a returned letter explaining that they DO NOT validate information with 3rd parties and have no jurisdiction over reporting agencies. TransUnion sends me the same automated / generic letter in response to my request to validate a Chapter XXXX BK. They continuously claim they will not re-investigate. How could they have claimed to validate such information with the USBK Court House when intern the USBK Court House does not validate such requests with reporting agencies. 

In reality, TransUnion never investigated such and completely ignored my repeated requests by sending out a generic letter saying it was verified by the Court House. I am attaching the letter sent to me from the USBK explaining how they do not validate information with 3rd parties such as Credit Reporting agencies. I am also including the letter sent to me from TransUnion.
Consumer complaint received 2020-06-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I have sent disputes for items on my bureau in XX/XX/XXXX and XX/XX/2020. I have requested, as required by law, that the bureau furnishes the written proof that the items reporting on my bureau is mine. Experian has failed to do so, in addition, they have staunchly refused to do any additional investigation. I have also been told that they are not required to investigate credit inquiries.
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

My name is XXXX XXXX And XXXX XXXX is my son he lives with my mom I send money to him through cash app. On XX/XX/XXXX I sent him XXXX dollars to his account. They locked his account he couldn't take money out. I know hes only XXXX but that's the only way to send my baby money. Me and his grandmother XXXX XXXX has been trying to get the money for my son but they wont let me I request a refund they wont let me get the money back I send money to my son alm the time .I know he is only XXXX and not old enough to get a cash app but we never had a problem till now. He does not have his old number and cant remember the password to his gmail. I have sent so much proof I sent this money.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I received a Cash App Cash Card mailed to my address in my name ; however, I did not open a cash app account. I received the card on XX/XX/21 and I contacted the company on XX/XX/21 to attempt to close the account and ensure the card does not get activated. The Cash App customer service number that I called asked for my email to be able to send me a link to submit my information to " deactivate '' the card. I told them I did not want to share any more information since they already had my mailing address, name, and now through my calling they had my phone number. They assured me that the only way to deactivate the card was to send me an email with a link. I declined this as it sounds like a scam attempting to get more information from me.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I had my name legally changed on XX/XX/XXXX, and updated with the Social Security Administration XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told on XX/XX/XXXX, around XXXX XXXX  EDT. My ID was changed as of XX/XX/XXXX. I had previously, on multiple occasions, contacted the company to try to get it processed, yet nothing has come of it. I also had opened a complaint using CFPB, which was marked as resolved, with a note that the name was already changed, and that my old name was not attached to my new name. This information I was provided was false. I got a report after I had recieved the email that it was closed and resolved, which does not state my updated name, and has two instances of my previous name, which I will attach the front page of. I have attempted to file a dispute.
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report. 
I dont understand how is that possible!!!!!!!!!!!!!! 
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization. 
and its still on all three Credit Bureaus Reports.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (IN)

The number listed above is my work telephone number. I did not give the original creditor permission to call this number at any time. Yet, now the debt collection agency, CKS Financial is calling this number using a robocaller. Caller ID shows it as XXXX. Today alone I have received 4 calls from this number to my work telephone number. In the past week I have received a total of 20 calls from this number with the same pre-recorded message.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Metro Area Collection Service, Inc. (OR)

An account was opened to XX/XX/XXXX for XXXX. XXXX XXXX XXXX XXXX The account is stating that it is closed ( which means paid in full in XX/XX/XXXX ) The remarks on my credit report state paid collection. Unfortunately it is still being shown by XXXX XXXX ( which i'm guessing is the collection company hired to retrieve a debt ). I tried to Contact XXXX. XXXX XXXX XXXX XXXX to ask when my first date of delinquency was, and they have closed permanently. I would like this to be removed form my from my credit report, but because they have closed permanently I can get in touch with them.
Consumer complaint received 2020-06-26
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. (GA)

Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX and Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )
Consumer complaint received 2020-06-24
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. (AL)

My identity was stolen and an account was created under my name a social with XXXX XXXX in XXXX of XXXX. I contacted the company immediately to let them know this account is not mine and it needs to be investigated removed. I was told there is nothing they can do and they apologized for the mistake. Months later late payments are being reported on my credit report after I have contacted them and told them this was not my account and even had a police report filed in XXXX of XXXX. It is now XXXX of XXXX and every time I try to dispute this with Experian they keep sending me an error message saying " We're experiencing technical difficulties and can not access your report at this time. Please try again later. '' This is unacceptable!