davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
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. (DC)

XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my TransUnion report via XXXX XXXX.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

Capital One garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in a area affected by the XXXX. I'm am a XXXX XXXX XXXX, and my main source of income comes from travel across country. From XX/XX/XXXX to XX/XX/XXXX i was abroad, which 30 days I was in XXXX not able to leave the country due to the XXXX XXXX as it was there much earlier and worse than the US. I was scheduled to return back XX/XX/XXXX. Banks were closed and travel was restricted for me and my group and were not allowed to leave my hotel. The internet was not available to access any of my bank information to make payments on any of my bills. Upon finally getting clearance to come home i immediately called each creditor to explain my situation and bring my accounts current. I've yet to have any late payments and this is affecting my credit score to be able to possibly even refinance my home in this time of crisis.
Consumer complaint received 2020-03-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear XXXX XXXX, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with XXXX my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth XXXX lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when XXXX XXXX contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at XXXX XXXX told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for XXXX. I was wondering if those late payments could be taken off my credit report because I did exactly what the XXXX XXXX Agent told me to do. 

This is what XXXX told me to do and it destroyed my credit report! 
I called them several times and they said that they could not fix it! 
They told me to write a new letter and sound like and a**hole and maybe they would fix it! 
I called again and nothing! 
Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through XXXX and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!
Consumer complaint received 2020-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

On XX/XX/XXXX I was searching for rates to refinance my mortgage. I reached out to AmeriSave Mortgage who had the lowest rates. I received an email with XXXX XXXX from Amerisafe contact information is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX. The loan officer NMLS ID XXXX. I then spoke with him and he said he was going to send me the 15 year currently available. He sent me the email the same day. I then agreed to start the loan application, but not before the mortgage company requested an upfront {$500.00} dollar payment as commitment. The loan officer said that the payment would then be refunded at the time of closing. He also informed that I would get {$1000.00} rebate. I proceeded to pay and moved on to give items required through their on line portal. Once seeing the loan disclosures I informed on the XXXX of XXXX that the payments were too high for my budget and that I was going to go instead with a 30 year mortgage. Left the loan officer several messages and he did not respond. I then called and he agreed to send me new documents. In the mean time I kept getting text messages from the company saying that it was on behalf of XXXX that they needed for me to acknowledge. I explained via text and e-mail that the information was still showing as 15 years and I had requested a 30 year term. The loan officer 2 days later sent me a message full of capital letter stating that I needed to acknowledge the 15 year for the information to update. I then acknowledge and later new information showed. When I saw the closing cost on the new mortgage Amerisave was charging me XXXX dollars in closing cost and bundling in the loan which based on the information was going from XXXX to now XXXX. I sent the loan officer an e-mail to call me that I needed information about the closing cost because they were too high. The officer did not call me back and the next day I canceled the loan on the XXXX. I told him to stop texting me that I had decided to cancel the loan due to high closing cost and poor service. The loan officer sends me a text message on XX/XX/2020 saying " Just a heads up you lost your {$500.00} app, i was trying to prevent that by explaining to you the options, I emailed you again '' I told him that I was reporting him for harassing behavior and opening a complaint. I have opened a dispute with my credit card company as I am not sure why AmeriSave would keep my {$500.00} dollars if we had not even gotten far enough on the mortgage agreement.
Consumer complaint received 2020-01-09
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. (TN)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avadyne Health Holdings, Inc (IA)

H & R Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my credit.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (VA)

Good morning! 

I would like an investigation for Banco Popular of Puerto Rico in the Department of Credit cards VISA ICON, in regards to the account # XXXX due to : 1. That on Friday, XX/XX/XXXX I tried to enter online to verify my credit limit and realized I couldn't enter. 

2. That I am a XXXX XXXX and depend on my Credit Score. 

3. That I didn't file a claim in 30 days because I paid on XXXX the amount owed in full and left the account in {$0.00}. 

4. That I immediately proceeded to call Banco Popular of Puerto Rico and talked to Mr. XXXX XXXX and he informed me that I have an overdue pay of {$680.00}. 

5. That I told him that the amount could not be because I haven't used the Visa Icon card since XX/XX/XXXX and I paid the balance at that time in full. 

6. That no one from Banco Popular contacted me through phone, email or US Postal Service inform about said charge and my personal information was up to date. 

7. That I informed Mr. XXXX that if he looks at my past payments he would see that I have never been late in a payment and that I always pay in full. 

8. That the amount above mentioned is not mine and they should immediately proceed to eliminate the charge and fix my Credit Score with XXXX, XXXX and XXXX. 

9. That on Tuesday, XX/XX/XXXX I wrote an email detailing the phone call I had with Mr. XXXX on Friday, XX/XX/XXXX and attached the evidence to back the claim as requested by Mr. XXXX. ( VIEW ATTACHED DOCUMENTS ) 10. That on Thursday, XX/XX/XXXX I called Banco Popular of Puerto Rico because they haven't contacted after 73 days an I wanted to know if they eliminated the charge of {$680.00} and fixed the credit score because they never contacted me in any form. 

11. That I spoke with Mr. XXXX XXXX, Supervisor, and he informed me that they have not fixed the charge and the credit damage to my Credit Score. 

12. That he told me that I should send an email to him detailing everything that I have done and that he would have an answer on Wednesday, XX/XX/XXXX but I have yet to receive a phone call, email or letter in the US Postal Service of said solution. 

13. That I called an Agency in Puerto Rico ( DACO ) in regards to said claim and they informed me that to file a claim with them I had to Travel to Puerto Rico because the hearing are there.
Consumer complaint received 2020-03-20
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 am writing to request the assistance of the CFPB in connection with a dispute I submitted to Experian. On XX/XX/2020 my attorney sent a letter to Experian with back up documentation disputing the existence of three fraudulent accounts on my credit report. They include : XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. In addition to providing the statutory authority for the demand for blocking these account, my attorney provided a notarized affidavit, and FTC complaint, as well as a police report filed with the XXXX XXXX Police Department. 

Despite the ample documentation, Experian has refused to block these accounts from my credit report as required by California Civil Code 1785.16. Our position is more fully described in the attached letter from my attorney and the back up documentation enclosed with that letter.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2020-03-16
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. (OK)

When married, this account ( XXXX XXXX - XXXX XXXX  ) was in my name and limited to {$300.00}. Over several years, without my permission, they continued to raise the limit as long as my ex-wife made the minimum payment. As the limit was raised, she kept charging up to the limit each time. 

We were divorced several years ago and the divorce decree/court order clearly specifies that she is solely responsible for paying this account. However, every time she misses a payment, my credit takes a big hit. Complaints/disputes to all three credit bureaus are ignored. They check with XXXX XXXX, the bank says it is valid, and the credit ratings remain trashed. Requests to XXXX XXXX, including copies of the divorce decree proving that it is now her account, go unansered.
Consumer complaint received 2024-09-04
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)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.