davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I need immediate attention I took the action of sending dispute letters regarding inaccurate and unknown things on my credit report on XX/XX/2021. I have not received a response and its been well over 60 days. This is absolutely unacceptable Ive been through enough hardship especially during this pandemic were in. I feel like Im being exploited and being ignored on my disputes. Ive done my research and section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they shouldve been deleted immediately. I absolutely demand these accounts be deleted immediately or I will file for litigation due to the hardship and anxiety you caused me. My information was also impacted by the Equifax data breach and it seems it got into the hands of the wrong person. I need this taken cared of immediately
Consumer complaint received 2021-03-05
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: ENCORE CAPITAL GROUP INC. (CA)

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2021-03-05
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: Bread Financial Holdings, Inc. (FL)

I am in the final days of refinancing my home and I had a good credit score but now its dropped XXXX points and now the mortgage company wont approve the refinance. After numerous phone conversations with creditor COMENITY Bank speaking with service reps and supervisors starting XX/XX/2021. 
They said the issue was resolved but when our mortgage guy checked my credit score it had dropped XXXX points as a result of COMENITY bank not fixing the problem. I called them back on XX/XX/2021, I was told by the credit rep it would take 60 days to remove the low credit score. As a result of the delay we can not get our refinance and as a result our interest rate has gone up XXXX XXXX %. We only have a few days to keep our locked in interest rate. WE NEED THIS ISSUE RESOLVED IMMEDIATELY!! 
Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (AR)

XXXX XXXX  has been selling this collection to outside collectors. Theyve repeatedly been calling, and sending letters about this collection. XXXX has been previously asked to remove this collection from my credit report, but it remains on there and is continuing to cause damage to my report. They have since failed to remove it, and sold it to numerous collection companies who keep harassing me. XXXX failed to help me when I lost my employment due to COVID-19 and continued to charge my account late fees and interest.
Consumer complaint received 2021-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-04
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. (NV)

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.
Consumer complaint received 2023-05-11
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)

This is my follow-up request to tell you to remove the disputed items from my credit report. I believe they are fraudulent and do not belong on my credit report. 

Kindly remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-04
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)

XX/XX/XXXX I mailed letter to Experian with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against XXXX XXXX. XXXX sued me for {$5.00}. The Decision was against XXXX XXXX. I requested XXXX be removed from my Experian Credit report. Experian claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that XXXX Certified this time. They say they still didnt receive it. I made More than 30 phone calls to Experian to solve this. 
XX/XX/XXXX through Experians own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from Experian stating that they are not removing XXXX from my Report, because XXXX certified they are right. Experian is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted XXXX from my Account with them. Experian has a major problem. They cant read ENGLISH. A simple phone call to the Courts would verify the Award and they would delete XXXX.
Consumer complaint received 2021-03-04
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. (CA)

On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Once or twice a year capital one blocks my ability to conduct any kind of online financial transaction. Each time it happens I have to find the nearest branch and get an officer of the bank to fix it. I dont know why this keeps happening and the bank refuses to explain it. It happened again several months ago and I am still waiting for people ( hiding from the virus ) to return to their offices and fix the problem. 

Last week something unique in my experience happened. I found several fraudulent purchases on my account. These do not appear to be 'for profit ' purchases. They are oddly random. The most current list of fraudulent charges is : XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX The current claim number on this is : XXXX These purchases seem to have no purpose other than to drain a bank account. What makes them note worthy is that they are happening. 

If a bank suspends online use of an account shouldnt that mean that no one can use it? If the bank is preventing me from spending my own money online how is a hacker able to do it? If an individual had stolen my card/banking info ( and it could actually be used ) wouldnt they make purchases and withdraw cash for personal gain rather than such easily traceable transactions? Random purchases, that seem to benefit no one, from an account that is blocked seems more like some kind of malware attack than a robbery. It appears to me that capital one 's security has been breached. I have spoken to several bank tellers and used the phone number on the back of my debit card to resolve this problem. 

Although capital one seems to be correcting the fraudulent charges, they have so far refused to provide any explanation for the situation and at one point suggested that the whole problem is my fault. That would be a good position from which to obfuscate the situation if not for the fact that they are the ones preventing me ( and supposably everyone else ) from buying anything at all online. 
I would like to talk to this hacker just long enough to learn how this is being done so that I can use my own card again.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

This is a debt from a car accident back in XX/XX/2018, which my car insurance paid in full. Plus, I had private medical insurance on file with the hospital to pay any overage not paid by my car insurance. The hospital had this information! This was apparently the only bill not filed, why? I was not contacted or aware of this outstanding bill from neither the hospital, nor the debt collector until the end of XX/XX/XXXX, ( almost one year later. ) I found out about this bill from checking my credit report, at which point, I made contact with debt collector and inquired about it. They were very rude to me as I inquired as to why this was on my credit report. I tried to explain why I dont believe this was my bill, and questioned why it was report before I had a chance to respond? Specially, when it could had been paid by insurance ... They claimed they could not get in contact with me and this was the only way. Which again was false, because the hospital had my contact information! Every bill was paid in full and no other bills were sent to me other than this one regarding this matter after the fact. If this was my bill, it should had been filed with my insurance company. I have disputed this twice to no avail. I even offered to pay half to remove off my credit report. They refused my request to pay half or to work out an agreement to get this removed. Other than wanting the full amount of {$130.00}, which again, I dont agree this is mines.
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (WV)

Chrysler Capital keeps calling daily even though they 've been told that I DO N'T owe any outstanding debts. If I owe a debt, then send me the paperwork, which of course they wo n't. I told them if they continue to harass me I was going to fie a complaint.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NH)

I have federal loans that date back 20 years and I've worked in public service for the federal government for the last 20 years. My employment consists of 6 years active-duty XXXX XXXX XXXX and XXXX 9 years 10 months working for US Department of Transportation XXXX The Public Student Loan Forgiveness ( PSLF ) program and Temporary Expanded PSLF ( TEPSLF ) forgive federal student loans for individuals that have worked in public services for 10 years or more. I have worked for the federal Government for more than 15 years. I submitted the PSLF Application more than 10 times over the last 7 years. Earlier this year XXXX began to process my XXXX XXXX and qualified/certified XXXX of my eligible payments. For some reason they stopped and did not count the additional XXXX payments that qualify under PSLF And TEPSLF. Once again, my servicer has changed. The new servicer MOHELA has not responded to my email or phone calls. I have not been able to get ahold of anyone at MOHELA to discuss my situation and to get may TEPSLF reviewed and payments recounted. To clarify when I call MOHELA I am put on hold for more than an hour and then they terminate the call while I am on hold waiting to talk to someone. I have not yet been able to speak with anyone at MOHELA and I am concerned that while I continue trying reach out to someone about this matter, I will miss out on XXXX which expires XX/XX/XXXX. 
Attempted phone calls XX/XX/2022 & XX/XX/2022. Hours on hold 3+.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-07-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (CA)

On XX/XX/2023 we applied for a line of credit with a mortgage broker who sent our loan request to XXXX, XXXX for funding the loan. On XX/XX/XXXX we received an email indicating they indicated everything is looking good and they would send out the disclosures that same day. On XX/XX/XXXX we received an email saying that underwriting is finishing up with our file and should have the disclosures to us that day. This went on for months then we finally got the disclosures on XX/XX/XXXX, at that time the interest rate was 15.667 %. We signed the documents immediately and sent the forms back. Since that time they have run our credit reports several times, they have asked for documents to be resent, each time they have said they have everything they need and it was due to be funded. This has been going on for close to 5 months, they have sent us two sets of disclosures the last one sent in XXXX with a new monthly amount and interest rate of 16.75 % and the monthly amount increased by XXXX per month. We have been told now for two weeks it is in underwriting and the funding would be done the following day, for over two weeks, only to be told they need more information or it is still being reviewed. In addition our property value is at least XXXX to XXXX XXXX, based on comps in the area and our next door neighbor who had his property appraised at XXXX XXXX, and his home is smaller than ours. They used XXXX as the valuation, made us pay the XXXX and do an in home inspection, which was contrary to their website indicating unless the loan was over XXXX that XXXX drive by appraisal would be done. We recently remodeled the home and were getting the funding to consolidate our debt and put a new roof on the home. We are out over XXXX in appraisal fees and other fees
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I went to XXXX for wireless tv services. They said there would be a charge for installation. I was ok with that. When the installer came out on XX/XX/2019 he had a mood that was uncooperative and irritated. We asked the wire to be placed in an area we wanted, and the difference was a matter of five feet. He told us that would cost an extra {$100.00}. That wasn't acceptable and he installed where he wanted the wire to go. His attitude now had me upset and I just wanted to get rid of him. I called XXXX to report this guy and complain. I was left on hold for over two solid hours without anyone answering. Now I was angry. At this point I had had it with XXXX. I took all their equipment the same day, XX/XX/2019, got in my car and drove to their store in XXXX XXXX which another of their stores told me accepts returns. I have a receipt from them showing the return and the date. Then they billed me for the service which was unacceptable. I got a call from them regarding the bill and I told them what happened. There was no " I'm sorry '' or " how can we make things right? '' They just turned me over to collections. I got one call from them and told them not to call again, and they didn't. Then I cancelled my telephone service with them, but they have a mark on my credit report and I want that removed. I will do whatever I have to to get them to wake up including small claims court.
Consumer complaint received 2021-03-04
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: Bread Financial Holdings, Inc. (CA)

I have been trying to fix the late payments showing on my Comenity Capital Bank card. I sign in every month to XXXX XXXX XXXX and the months that are showing i am late are the months I sign in but for some reason the wouldnt take my payment. I paid this account that way every month so for this to happen is wrong. I even call XXXX XXXX and they said they can see I login but cant explain why no was payment was taken. I have attached bank statements so you can see there was money in my account to make these payments. The fact that they admitted i login should speak volume. Im asking for forgiveness on these late payment do to the mix up that has happen.