davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NJ)

I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-04
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: Resurgent Capital Services L.P. (MI)

I am not liable for this debt with XXXX XXXX NA. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is not correctly reporting the balance on my XXXX XXXX credit card. My balance is XXXX. Also they are not reporting the correct Fico score to my XXXX XXXX bank.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

My Paypal credit account was closed due to insufficient funds and late fees ; I was informed via telephone that if I submitted my bank statement showing my account balance, they would reopen my account. Now I am being told that they won't reopen my account, and I have to apply for a new one.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

On XX/XX/2023, I filed a complaint with Chime bank regarding a purchase that I did not receive. I uploaded supporting documents showing the purchase date and the email communications where I attempted to resolve the issue with the merchant and also requested a refund that was refused. The merchant indicated that they could not issue a refund because Chime bank never released the funds to them. 

Chime claims that they are investigating the dispute and will resolve by XX/XX/2023 - XXXX months from the transaction and dispute date. They refuse to refund me or credit my account pending the investigation. 

I am unable to speak to the investigators and customer service only repeats the same basic information.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Representative, I have tried to prove that the account has been paid and they continue collections.   There has been a payment authorized but I need time to go through this information.   There is a investigation being done and they have n't completed their due diligence to finish the investigation. Thank you.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (TN)

I received a call today ( XX/XX/2023 ) at XXXX PM XXXX to my cell phone number from Midland Credit ( XXXX ) XXXX. I called them back and asked why they were calling after XXXX PM when the Fair Debt Collection Practices Act forbids calls that late. They claimed theyre looking for XXXX XXXX spelling unknown ) and I said I dont know the individual. Ive had this same number for 16 years so either this person gave my number fraudulently or someone made a typing error.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (AL)

Ive never had an account with this company. The account shows paid but it has a late fee on it. Its not my account it needs to be removed and they have not removed it.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc (CT)

On or about XX/XX/XXXX, Affirm placed XXXX ( XXXX ) Notice of XXXX XXXX on my XXXX credit report. I contacted Affirm on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by Affirm on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from Affirm and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which XXXX indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on XXXX, which Affirm charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me Affirm did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my XXXX credit report immediately. Thank you.
Consumer complaint received 2023-08-17
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 (IL)

I had a prior case open through the CFPB and in the resolution, XXXX stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XX/XX/2023 CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account name CAPITAL ONE AUTO FINANCE Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms 73 Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from Capital One Auto Finance and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the 3 credit bureaus but they didn't do anything either.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Adler Wallach & Associates, Inc. (CA)

I asked XXXX  and XXXX  for a investigation for aWa collections and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and awa collection and that is fraud
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-01-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

ALL 3 BUREUAS ARE ILEGALLY REPORTING XXXX  XXXX XXXX  XXXX, LOAN XXXX, ORIGNAL TRADELINES XXXX XXXX AND XXXX WERE DELETED, BECAUSE THE S.O.L. EXPIRED OM XX/XX/2019. FINALLY THIS WAS LISTED AND DISCHARGED IN BK.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The vehicle I had a loan on with Capital One was deemed a total loss by my insurance company ( XXXX ). Capital One marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX ( date of loss was XX/XX/2021 ) I received my payment XX/XX/2021 and XXXX did not pay them until XX/XX/2021. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (VA)

Equifax did not take the necessary steps to prevent a security breach which put the information of over 140 million individuals, including myself, at potential risk of identity theft. In addition to this, they waited nearly a month after the breach was detected to notify their customers, but provided timely enough updates to their shareholders that they could sell their stock and make a profit. Equifax should be required to monitor all the affected accounts and notify their customers if any fraud occurs. Credit fraud protection should be a mandatory they must now provide, not a burden for the victims to take care of.
Consumer complaint received 2021-05-27
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)

Experian is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy chapter XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you permission.
Consumer complaint received 2021-05-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

This loan has been with Wells Fargo Small Business Lending. We have tried to pay off the remaining amount on a 15 year loan on which we have paid down for 14 years without missing payments or being late. We recently requested - in writing - a Pay Off amount ( in XXXX, XXXX ) and received the pay-off letter on XX/XX/XXXX. We wired the amounts stated in a Pay Off letter the very next day. They acknowledged receipt of the amount ( direct wired ) and received confirmation of that wire. However they invoked additional daily interest charges due to the discrepancy in THEIR timing of conveying the pay-off letter and amount. Their letter was dated XX/XX/XXXX but we received it via email on XX/XX/XXXX and they received wired funds the next day, XX/XX/XXXX. Then in early XXXX we received a statement by regular mail of owing {$29.00} more ( daily interest fees ) Their statement of the added fees was dated XX/XX/XXXX, and stated required payment date by XX/XX/XXXX ( same day as letter ), but we received that letter by regular mail on XX/XX/XXXX - making it impossible to fulfill their deadline equaling yet more charges. Each time we have receive a demand for additional payment the communications have come late - making it impossible to meet their demands. We pay immediately in good faith, and yet there are more charges. We have wired additional funds in an attempt to head off further small charges but were told they had to create yet another Pay Off statement and that would take 4-5 weeks to get! -- meaning yet more daily interest charges. There seems to be no way to get out of a continuous stream of small added charges. Also the daily interest charges are based on the FULL amount of the initial loan from XXXX instead of the remaining amount on the loan as of XX/XX/XXXX - even though they now actually have all of the amount that remaining. There seems to be no way to get out of this and fulfill their requirements because there are always new added charges with built in time delays so there are always new added fees. No way to get title and finish this!
Consumer complaint received 2017-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (IA)

I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

I opened a PayPal Business Account to receive registration fees for a XXXX  XXXX  Course that I XXXX. There is a set fee of {$250.00} per student. I sent the students the QR code and the link for them to make payments. I was receiving payments just fine and PayPal set up a Key Code for me to use when making purchases online. I had begun to use the funds to make purchases for class lab materials. One of the students sent his PayPal registration payment to one of my university emails. Rather than have him resubmit using the PayPal link, I just added my email address to the PayPal account. The money was then received. We have two other instructors so I added the first one 's email address and she was notified and accepted. I tried to add the second one 's email and PayPal said that it couldn't be added. That was no problem because they hadn't received any payments to their email address. A little later I got an email from PayPal saying " You can no longer do business with PayPal. After a review, we decided to permanently limit your account as we found potential risk associated with it. '' PayPal did not give any specific reason and when I called, the person on the other end was utterly useless and simply sent me an email saying it I wanted to know anything more, I'd have to get a lawyer to send an official request for information or begin a lawsuit against PayPal. Now all my monies are tied up, students who haven't paid can no longer pay their registration fees, my orders for lab supplies will be cancelled for lack of payment, and class starts in less than 2 weeks. PayPal gives no means by which I can find out what they think I did wrong or how to appeal their decision. I had the account for only a few weeks. PLUS I'm sure that PayPal will keep all the service fees they have charged me thus far.