davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: United Shore Financial Services, LLC (TX)

Recently acquired 2 mortgages with the company as automatic payment is strongly encourage to prevent falling behind on payment. On XX/XX/XXXX, I had set up Automatic payment on both account for automatic payment for draft for XXXX payment. In XXXX while checking account in XXXX, noticed on one of the account payment has not processed. 
called company and explained the situation, call escalated to upper management to explained procedure about removal of late payment notice from credit report. I was told to contact the Credit Bureau and will confirm with reversal of reporting. I was told it may take about 30 days for issue to resolved. I specifically told the Manager that i am in the process of purchasing a property and that would affect me qualifying for the loan as it would have a negative impact. 
This is the first ever payment with the company. I do emphasized that I have been familiar with the company rules. I was told once they received report from credit bureau, credit reporting would be reverse. 
On XX/XX/XXXX as I am ready to close on property, I received a call from my agent stating credit reporting has not been taking off, and getting the mortgage would almost makes it impossible. 
When I reached out to the company, I was told my request has gotten denied and was never made aware as I have been waiting for about 30-45 days period. This has been very misleading as I have done everything asked. I was told flat out " Claim denied '' can't be reverse.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I contacted the Midland Credit Management company and asked for paperwork to verify the debt on XX/XX/XXXX via phone. It was never sent. 

They also offered me a settlement over instant messaging on XX/XX/XXXX of {$480.00}. At that time they did not say I had a time limit to accept the offer and I told them that I did not have money at the time for that amount and was asking for something lower and they refused. At that time I called in and asked for verification of the loan because I didn't think I owed close to {$700.00}. Wanting to act in good faith, I tried to get the funds to pay. When I got the money and called back on XX/XX/XXXX, they said they would no longer accept that and that now I had to pay {$590.00}. The principal debt is {$100.00} and they are saying I owe {$690.00} because of late fees. 

I have tried to talk to several different people at this company and they are saying that they will take me to court but won't say when or how that will happen. When I called on XX/XX/XXXX, the employee was goading me and laughed at my situation. I asked him to send me verification of the debt and I don't think he fulfilled the request.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I Noticed five unfamiliar charges pending on my bank acct, I Called Capital One at the time and their agent advised me I needed to wait for the transactions to post. 

On XXXX all transactions posted I called Capital One @ XXXX to file a claim. 

I attempted to dispute the following charges XXXX. XXXX ( website purchase ) {$580.00} - as of XX/XX/XXXX XXXX confirmed that this charge is no associated to my acct XXXX that Ive had for 16 years. They advised me to continue the dispute with my bank XXXX. XXXX XXXX ( Digital purchase ) {$37.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX ( Digital purchase ) {$33.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX com ( Debit Card Purchase ) {$1.00} - Cap1 Has returned this {$1.00}. 

Total amount {$650.00} I mentioned before there were five charges, the fifth being a {$40.00} from XXXX XXXX XXXX- this ended up being a legitimate charge which in my panic and upset over the charges I failed to realize that it was for a gas purchase I made at a XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX Capital One denied my claim for the following reasons : In regards to the XXXX charges Capital Ones agent asked me if I had an XXXX, I replied yes, and she said Ok that means you made the charges- I have the email from XXXX confirming I didnt make those charges. 

The second and third reason was that I used the card to purchase gas which meant I had the card and the other reason was that I attempted to dispute the gas charge. 

I disagreed and was told they would not reopen the dispute and the decision was final. 

I immediately reached out to both merchants and requested help. Now both XXXX and XXXX XXXX have noted my accounts that these charges are fraudulent. XXXX was great and they went ahead and refunded my acct. 

On XX/XX/XXXX approximately 72 days from my initial claim I got final word from XXXX / XXXX about their investigation I spoke with an agent named XXXX around XXXX, she confirmed the charge was not made to an acct owned or associated with me. 

I called Capital One at XXXX to dispute the charge. The current claim number is XXXX. 

Ultimately Id like the {$580.00} returned to me with out any further delays. When Opened my acct I trusted Capital one to protect my finances unfortunately that was not the case. I ask that you have them look at the information Ive provided, that they contact XXXX XXXX XXXX XXXX their mistake and make it right.
Consumer complaint received 2017-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX XXXXXXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX  i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. American express must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on XXXX.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Chase bank keeps denying me without allowing me to know why. They can not deny me as an consumer who knows my rights but they wont reply to mail and emails and customer service. I am expanding my social security number to them to recieve an checking and savings account but they are illigally not able to deny any person due to anything because i am an consumer.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.
Consumer complaint received 2017-10-30
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. (TX)

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX, XXXX, XXXX certified mail and fax. I have included proof that I have never been late on the account. This is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. XXXX was reporting right by reporting never late and then they changed it and the same for EQUIFAX. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by these two reporting agencies.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Previous attempt to the Experian, XXXX and XXXX to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (SC)

On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXXXXXX XXXX XXXX, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than 5 points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, XXXX XXXX also stated if I payoff one of the items showing on my credit report, my credit score would increased by 21-25 points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and XXXX XXXX solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items XXXX XXXX suggested. Also, I've spoken with all agencies above but this issue has not been resolved.
Consumer complaint received 2022-11-22
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. (TX)

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 XXXX XXXXXXXX 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 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 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 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 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Ive requested two of the bureaus to correctly display a credit card and they have informed me that I need to contact the creditor as I have and they have assured me they are correct and reported the information
Consumer complaint received 2023-05-31
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IL)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Monday to Friday XXXX XXXX This is the company that emailed me in XX/XX/XXXX about a debt that I supposedly owed to telecheck services they said that the debt was given to them by the previous a collection agency but the debt was only {$10.00}. I called and asked them to explain and they said it was from the XXXX XXXX XXXX on XX/XX/XXXX which isnt true at all I then went on to ask how did they get my information and he ignored me and started asking me if I would like to pay it today and that he was ready for my credit card information so I then hung up the phone. This is the email context I received, XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX, which was previously being collected by Professional Bureau of Collections of Maryland , Inc. We will use any information you give us to help collect the debt. 
And they had my full name and address as well I just dont want anything that has to do with collections on my credit report.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 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 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 2022-11-18
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( XXXX ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Consumer complaint received 2022-11-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX   ) account XXXX XXXXXXXX, ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( XXXX ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Consumer complaint received 2024-03-02
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX