davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
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: Ad Astra Recovery Services Inc (TX)

To Whom It May Concern, The reason for me filing this complaint is due to AD Astra Recovery Service failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2023-01-01
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. (MI)

I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
Consumer complaint received 2023-05-12
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)

Last XX/XX/ and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2021-02-05
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. (NV)

XXXX  and TransUnion were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that XXXX, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have not authorized a series of inquiries that are showing up on my Credit report and am disputing them. All the listed companies that have requested a copy of my credit report on the letter attached do NOT HAVE my written authorization to view my Credit report.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

Good afternoon. 


In the about or after XX/XX/2022, I did close Discover XXXX Credit Card. 
A refund check was issue, but the total amount is wrong. And need to be corrected by Discover XXXX Credit Card. 
Account XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (NY)

Ive applied for a loan through this company several times over the past 4 years. I was approved three times and was always told the information that I needed to further approve my application. On the final attempt of submitting my application on XX/XX/2021 along with my personal information including tax documents, license and car registration and title, I called to verify what I need and was told by a women in the office named XXXX what exactly was needed. I was then contacted by the owner XXXX XXXX explaining why I would not be approved for this loan.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: Radius Global Solutions LLC (LA)

I have an auto loan with XXXX back in 2014, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the XXXX class action. Send letters to the credit bureau and XXXX and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.
Consumer complaint received 2017-12-26
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: EQUIFAX, INC. (FL)

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, Equifax, and XXXX, asking for validation of debt, upon the 30- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX XXXX XXXX XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-02-14
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 sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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)

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (NC)

My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (NC)

My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (CA)

This is the third time I've requested that you remove XXXX XXXX  account from my credit report. It has shown as a collection on my Bureau report since XXXX XXXX. It is now XX/XX/XXXX.
Consumer complaint received 2021-02-04
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)

Ive discover that I been a victim of identity theft. I found out someone unknown to me used my personal information to open accounts with. XXXX XXXX  account number ( XXXX ) and XXXX XXXX  account number ( XXXX ). I immeaditly called the credit breuas to let them know of my findings and they advice me to file a FTC report and I send it to them and a month later I checked on my credit report again and fraud accounts that was opened using my information it still shows on my report
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

I had a medical procedure at XXXX XXXX XXXX XXXX on XX/XX/2021. 

Before the XXXX I made a payment of XXXX ( page XXXX of the first pdf file ) for the expected coinsurance. 

After the claim was processed, my coinsurance turned out to be XXXX ( page XXXX of the first pdf file ) The hospital sent me a bill for the remainder of the balance of XXXX ( page XXXX of the first pdf file ), which I paid on XX/XX/2021 ( page XXXX of the first pdf file ) Later there were adjustments made to the claim and the final coinsurance due from me was reduced from XXXX to XXXX. ( page XXXX of the first pdf file ). 

However, XXXX XXXX XXXX XXXX instead of refunding the overpaid amount, send me another bill for XXXX. I sent them a detailed explanation which they ignored and sent XXXX to XXXX collection agencies. 

In the second pdf file there is a transcript of my correspondence with the health insurer ( XXXX XXXX ) who confirmed that the amount that I owe for this procedure is XXXX and since I already paid XXXX, the hospital owes me a refund.
Consumer complaint received 2023-01-01
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. (VA)

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-05
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: CITIBANK, N.A. (DC)

I have contact XXXX, XXXX and XXXX  in regards to frauduelent loans, and other credit issuing. I was homeless since XXXX until recently have signed a lease. There shuould not be any home loans, credit cards report or other due to me being undomicle.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I XXXX XXXX have tried going through legitimate channels to stop what amounts to a loan broker maintaining a balance on my credit report that has been satisfied through a third-party lawsuit for {$12000.00}. The attached letter from XXXX XXXX states that the original debt was procured for XXXX, then sold to XXXX XXXX XXXX. XXXX XXXX has nothing to do with the original loan, and is in violation of their subscriber agreements with all three pertinent credit reporting agencies, XXXX, Equifax and XXXX XXXX respectfully. The answer given by XXXX XXXX through the Consumer Financial Protection Bureau is completely unprofessional, and the fact remains that when XXXX XXXX lost its servicing for the original loan, the balance from their responsibility should have been placed as XXXX balance, sold to third party debt buyer. I p [ aid the loan off through my lawyers office for a {$12000.00} cashiers check. XXXX XXXX must delete the account altogether as it has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX must delete this account Immediately and permanently. 
XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This letter is a formal complaint that you have reported erroneous and incomplete credit information. I am concerned that you have included the following information in my credit profile and have failed to follow reasonable processes in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting rules require bureaus to provide only 100 % correct credit information. Every step must be taken to ensure that the information supplied is entirely accurate and proper. As a result, the following information requires more investigation.
Consumer complaint received 2021-02-05
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: AES/PHEAA (FL)

FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.
Consumer complaint received 2019-12-05
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: DISCOVER BANK (TX)

Hi I didnt apply for a discover card dated back XX/XX/XXXX and I didnt accept this card in my name and it has two phone numbers it dont belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didnt apply for this card ... but I wasnt held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ... Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AE)

I appear to be the victim of fraud carried out using my name and former address in XXXX OH. I became aware of the situation when my former neighbors sent me an e-mail with photos of a delinquent car insurance bill from XXXX XXXX XXXX ( XXXX ) in XXXX, PA ( attached ). Our neighbors check our mail box for us. My wife and I moved from our house at XXXX XXXX  XXXX XXXX, XXXX, OH in the summer of XXXX to Florida and subsequently to XXXX. We have not been in the US since XXXX. We started renting out our house on XXXX starting in XXXX. It is not currently occupied. 
I called XXXX XXXX XXXX on XXXX XX/XX/XXXX and informed them that I had not taken out a car insurance policy with them and did not owe them any policy money. The policy was issued in part based on my Florida driver 's license. The Florida driver 's license number XXXX XXXX has is my correct driver 's license number. I did not ask if they had a copy of the license or not. Again I reiterated that I was not responsible for the unpaid premium on the policy XXXX the policy had been issued on XXXX XX/XX/XXXX and terminated for non-payment on XXXX XX/XX/XXXX ) and was informed they would work on the problem. 
On XXXX XX/XX/XXXX I received a subsequent e-mail from my former neighbors in Ohio with photos of a demand for payment from CCS Payment ( XXXX ) in XXXX, MA ( attached ). On XXXX XX/XX/XXXX I called CCS and talked to XXXX XXXX. She said she would note that I disputed responsibility for the bill and that I should fill out a police report for fraud and forward a copy to CSC. 
As shown on the XXXX XXXX XXXX paperwork, the insurance is for a XXXX XXXX XXXXXXXX. I have never owned such a vehicle. Additionally, since XXXX, I have insured all of our vehicles with the XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX said that a XXXX contact telephone number was given ( XXXX ). I called this number, but it was no good.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Purchased a product promising free extra service time that was never delivered for approximately XXXX dollars. 

Attempted to return misleading product on XX/XX/2020 and was denied. 

Card issuer also denied dispute.
Consumer complaint received 2023-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been disputing this credit card account ending in XXXX for several months. 
OnXX/XX/2023 I spoke with Bank of Americas fraud team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from Bank of America stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XXXX XXXX I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022, this call was also monitored.
Consumer complaint received 2024-03-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I signed a 16 year note on a SBA Loan through Huntington bank. XX/XX/XXXX should have been my last payment. The next month I received a statement for {$50000.00}. I called to see what was going on and why I owed more money when I made the final payment the month before. No one had any explanation as to why I owed more money when my loan was not a balloon loan. There is no mention of a balloon loan in my contract. My advisor told me to not make any payments while she looked into it. After a few months she still had no real answer other than to pay the balance. Unknown to me at the time was that interest was still acrueing on my loan In XXXX of XXXX I sold some stock to pay the note before they started legal proceedings against me. With interest the payment was {$53000.00}. So now I will be also be out on capital gains tax for a balance that never should have existed in the first place. I have including my original contract. I am sure that truth in lending laws will apply here.