davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that Ocwen update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with Ocwen but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
Consumer complaint received 2023-05-05
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. (GA)

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX XXXX XXXX ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to XXXX XXXX XXXX ( XXXX ) the credit bureaus dont have no written premission According to XXXX XXXX XXXX I have the right to privacy According to XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-05
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (GA)

Received mailed debt collection letter dated XXXX XXXX on XX/XX/2024. Letter from XXXX XXXX XXXX XXXX stating they were collecting {$58.00} for a charge owed to XXXX XXXX XXXX XXXX 

I do not have or have I ever had a XXXX account. 

I called XXXX XXXX Customer Service XX/XX/XXXX  and spoke to XXXX. He was able to confirm that the account listed on this debt collection letter is not mine and not owed by me. He sent the account to their Recovery Team for investigation and the account debt will be closed. XXXX said that if the collection agency contacts me again, I am to tell them that I contacted XXXX, XXXX And that they are investigating this matter.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-01-08
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX  XXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (TX)

Debt originated with XXXX XXXX in the amount of {$440.00} on XX/XX/XXXX and was charged off on XX/XX/XXXX. The debt was purchased by Lvnv Funding, which is represented by XXXX XXXX Friday on XX/XX/XXXX. A lawsuit was filed by Lvnv on XX/XX/XXXX ( Case number XXXX ) in XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX. The lawsuit is for {$920.00}. 

I received two notices of intent to collect the debt before the formal complaint was taped to my front door on XX/XX/XXXX. Since the debt was written off and I paid the taxes for the debt, I believe that this debt has been settled and that I do not owe anything anymore. 

I am XXXX XXXX XXXX and live on XXXX XXXX and a small payment for teaching an online course for XXXX XXXX XXXX. It is not possible to pay what is considered a closed case.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HEARTLAND FINANCIAL USA, INC. (KS)

XXXX XXXX  XXXX XXXX XXXX XXXX, Kansas, during year of XXXX, I opened up XXXX account for new construction on my home. It was supposed to be locked in 4 % and at that time, I had a job and was in need of both checking and savings accounts. 

But after being unemployed, XX/XX/XXXX, and used up all money in my savings, I asked to close the XXXX account, no longer needed. I was refused, I was told that I must keep open for HELOC loan. 

Then I started seeing they were charging me monthly $ XXXX for savings account, whether I had money there or not. They never sent me a notice that this was going to happen. 

Also the HELOC account is not payable from my checking account. I must deposit in my savings account and they pull on XXXX every month, sometimes earlier without notice and makes me overdrawn, on dates they pull earlier. 

When I pay extra money towards my principal, they do not apply to my principal. They hold onto it as if I gave them FREE MONEY! I have asked them several times to apply to my PRINCIPAL! But the amounts still remain 2 years later NOT APPLIED! 

My HELOC loan was supposed to be locked in for 4 %, now this year XXXX, I have noticed it fluctuates with the higher interest rates of the government, especially since it was taken over by HTLF Bank! This was not my understanding at all, when I came into the bank in XXXX, It was supposed to be LOCKED IN 4 %. 

They refuse to send me statements, make me look online, sometimes, I have no internet to see online. This makes this very difficult to know when they make errors, changes to my account without my knowledge. 

XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (VA)

It was XX/XX/2017 when I was rushed to the ER at XXXX Hospital. Few months after, I received a billing statements for the collection of payment with the amount of {$760.00}. I asked for financial assistance from the said hospital ( XXXX ) due to lack of income and school finances. Few months after, they sent me a mail saying that they XXXX  my balance. Which means I do not owe the Hospital a payment no more. The good thing is, the problem has been solved. On the other hand, I lost the mail that the Hospital sent me which they confirmed that my balance has been XXXX. 
Thus, third-party companies such as XXXX XXXX , XXXX., XXXX XXXX XXXX., etc keep on sending me a mail which indicates on the letter that This is an attempt to collect a debt. with the same amount of balance of ( {$760.00} ). First, I am wondering, why different companies are trying to collect this amount of balance. Second, I do believe that it is inappropriate to indicate on a letter the sentence ( s ) If you have an income tax refund, perhaps you can use the proceeds to pay this account. It is disrespectful and ridiculous. It sounds very desperate. These are the things that need to be cleared.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I have had a credit card with Banana Republic since XXXX. I have never had an issue with the company until they sold the card services to Barclays. I received a bill for XXXX that stated I owed {$140.00} and that the payment was due XXXX XXXX XXXX. I made a payment on the payment due date. This is reflected in the XXXX XXXX  statement provided by Barclays. The XXXX statement also shows a {$0.00} balance. I was shopping the first week of XXXX and tried to use the card and it was declined. I called to inquire about the issue and Barclay 's said that my XXXXXXXX XXXX XXXX  payment was reversed due to my bank information being incorrect. I had not received an email, call or letter regarding this payment issue. I went online and immediately paid the balance of {$14000.00} using the stored bank account information in the Barclay 's system that I had used to make the same payment in XXXX. I have called Barclay 's three times to try and resolve this matter because they reported this issue to the credit agencies and labeled me as delinquent. This filing led to my credit score dropping XXXX XXXX. Barclay 's explanation that the bank account information was incorrect is not supportable. I have had the same account information stored in their system for over a year and have made numerous payments without issue. Further, they failed to inform me of this error to give me an opportunity to correct the payment that they claim was reversed. I have asked them repeatedly for documentation to show the payment was reversed and they will not provide it. Their representative said they mailed me a letter to notify me, but I never received this letter. I have closed this account as I am not comfortable doing business with this company based upon this incident. My request is for them to rescind the delinquent account notice to the credit reporting agency. I made a payment by the payment date of XX/XX/XXXX. My XXXX statement shows a XXXX balance and they failed to notify me of any issue. Without any notice, they filed a report with the credit agencies. I am seeking assistance as their customer service team refuses to offer any resolution or further review.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide (CA)

This is a debt on a XXXX  XXXX account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. XXXX  XXXX has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again XXXX  XXXX has ceased to operate since XXXX and 14 years later these guys at Harris And Zide are looking for a payment on something the bank already wrote off at the time it cease to operate.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

I attempted to apply for auto insurance and received a letter stating that they could not extend coverage to me due to negative information on my LexisNexis Report. They should have not been able to access my report through LexisNexis being that I put a security freeze on it back in XX/XX/ and received confirmation it was frozen in XX/XX/XXXX XXXX  I will attach the letters.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Goldman Sachs forged and falsified bank records to intentionally fabricate disinformation in a pathetic and disgusting attempt to gaslight me to cover up employee misconduct. Goldman Sachs falsely fabricated a defamatory and libelous accusation that I did not have a perfect payment history when I never missed even XXXX payment nor had any of my payments ever not honored. Its as if Im just a XXXX XXXX XXXX to Goldman Sachs because Im a minority and because Im a minority and Goldman Sachs is allowed to perpetrate in bank fraud by creating false bank records with defamatory false and hurtful allegations that are untrue. Goldman Sachs thinks they can get away with such brazen misconduct because they can simply just bribe the right people with their political donations.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

1. No contract signed between XXXX XXXX XXXX and I. 

2. No proof of notification of alleged debts, not even letters. They claimed they sent letters but have not provided proof/copies. THEY should be required to show copies of returned mail or emails. 

3. Also, the address showing for XXXX DOES NOT BELONG TO ME. I never lived there! Mind you I have a very common name! 

So you have no proof of contract with XXXX, no proof of notification from XXXX to me, and an INVALID address but have decided to keep them on my report?
Consumer complaint received 2024-02-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (TX)

I was scammed by a fraudulent USPS link for {$2500.00} on XX/XX/2023, I immediately notified the Robinhood brokerage team and they have had my account restricted for almost 2 months with no explanation to why they havent fixed anything so now Im reporting to the CFPB for help.
Consumer complaint received 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Improper use of credit reporting I need you to show process of verification of those late payments as well as these late payments are in relation of a computer error that happen on the site of Capital One
Consumer complaint received 2023-05-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (PA)

I get repeated calls at least once a day. I believe they're not allowed to call more than 7 times a week and I have received more than that which is considered harassment. I have received over 23 calls since the the XXXX of XXXX. Also I believe they can not call before XXXX and they have called before XXXX on XX/XX/XXXX. 
Dates and times of calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX twice in a row XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX at XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.