davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

hello; last year i reach out to capital one requesting an explanation why they ding my credit ; they blame me for applying for car loan which was incorrect ; it turns out not only was my identity used and they provided another XXXX dollar credit ; but they lied about it ; now on my credit when I ask for an increase they only increased my six year account by XXXX ; I don't understand how someone who isn't really me could get a account and still use my credit without my consent and lower my score ; I need help
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans Union 's website!!!! I have had problems with this website for 2 and 1/2 years. I have spent hours trying to use any and all of their services concerning me. Whether it is updating info, requesting credit reports, disputing items on the report and etc. If the website lets me sign in ( that is a problem at times ) and if the website allows me to do, ask for, or change something it always end in " We are having problems.Login later. '' When I login again the website will lock me out or not accept my login info. So to get done what I need to do, I have to call Trans Union on the phone. That is a problem in itself, the telephone number has changed or some reason the number is wrong, etc. Finally I get through to an agent, ask to have whatever done and am told they will handle this through the regular mail ( which takes longer to do ). The agent is very nice and does what you want done but it would be so much easier and quicker if the website would work right. Of course the agent transfers you to website assist to get the website fixed but that is where everything goes wrong. They do not believe you know how to use there website and will not take a complaint or say they will take a complaint and someone will call you back about this. Nine out of ten, nothing changes. Might I added one more thing? I use a chrome book and some websites to not like chrome books. I have had to change my email address because of this. This might be Trans Union 's website problem but who thinks a XXXX year young woman knows what she is talking about ( that at time is a problem ).
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Someone used my name for a apartment in a state I never lived in I asked for a copy of the lease on XX/XX/2023 so they can see its not my signature I also offered to send my ID so they can see its not me I need this debt off my credit report
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: DISCOVER BANK (MI)

See complaint # XXXX I have requested for fairly simply information. Discover acknowledged my initial complaint was valid and promised it would be corrected 2 months ago. It has not and Discover is now refusing to provide the proof that they did report the Discover card which is in my name to 4 different credit bureaus. please see attached letter dated XX/XX/2022. 
In complaint # XXXX I requested proof ( a copy of the XXXX ) that Discover did indeed do as they said they did. Discover seems to think they can lie and stall without consequences. As a result of my complaint Discover has now retaliated against the owner of the account XXXX XXXX XXXX a XXXX Vet, injured while serving this country. This type of behavior does not happen without the go ahead or authorization of the CEO of Discover XXXX XXXX XXXX XXXX. I am sure XXXX XXXX has authorized the attack on thousands if not millions of other consumers and since our politicians or agencies responsible for preventing this type of behavior bribed to do nothing, Americans are finally recognizing they must defend themselves. Therefore, I will be posting XXXX XXXX contact information on the appropriates sites so that consumers can defend themselves. For instance here is his XXXX XXXX dollar home in XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Sad, we have so much corruption and greed in this country and it is always up to the PEOPLE to end it.
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (PA)

I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.
Consumer complaint received 2019-07-25
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. (FL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account ending XXXX ( settled with XXXX- BOA agent ) and account should show XXXX balance and close status should be CLOSED and not charged off since it is paid/settled. XXXX settlement letter is attached here with .... 

XXXX XXXX XXXX XXXX XXXX Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX  XXXX XXXX XXXXXXXX CA XXXX Creditor : Bank of America, N.A. Account Number : XXXX Reference # : XXXX Balance : {$33000.00} XXXX XXXX XXXX , Please accept this letter as confirmation of the agreement reached on XXXX with XXXX XXXX . We can resolve your account in the amount of {$22000.00} which must be received on or before XX/XX/18. Failure to comply with these proposed conditions will make this offer null and void and the full balance minus any payments that have been made to the account will be due. We are not obligated to renew this offer. There may be  tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences. We offer an on-line correspondence service that will reduce paper consumption and may improve your customer experience. Please visit XXXX to access your account information or make payment ( s ) on-line. You may also mail payment ( s ) to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Calls to or from this company may be monitored or recorded. Interest and/or fees will not accrue on your account. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PH:XXXX
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (FL)

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, Equifax, XXXX, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-15
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. (IN)

I submitted a dispute with the credit bureuas for them to look into a few accounts that are reporting that i'm not aware of. I have not received anything to update me on the status of these accounts or if they're looking into it or not. 

Letters sent to the bureaus on the following dates : XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

On XX/XX/21 and XX/XX/21 I send debt validation letters to Penn Credit Corporation and XXXX to validate the debt of {$200.00} they are saying that I owe. As of today no bills or any other documentation has been to sent to me as a form of validation. The claims were supposedly investigated. I asked for proof and nine has been sent. I has not received any Medical service from the original company they are saying that I owe.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Someone offered me XXXX dollars for an online good, and once I payed him the money via paypal, he said he wanted to wait for the money to transfer into his bank account, and he said it would take up to XXXX hours, and after I waited this time, he blocked me on XXXX. In the past I have tried to use PayPal themselves to solve the problem, but I never have gotten my money refunded, or a message from the other seller. I originally sent him the money on XXXX XXXX, XXXX and the last time he said anything to me was on XXXX XXXX.
Consumer complaint received 2019-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

My XXXX does not reflect the correct amount paid for property tax. I have contacted the mortgage holder ditech 3 times to get it corrected and it is still incorrect, The law requires a XXXX be delivered by XX/XX/31 and delivering an incorrect one amounts to not delivering one. It is impeding my tax filing.
Consumer complaint received 2021-11-14
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 ran my credit report for the same application twice and did not give me the credit and did not remove it from my credit report. 

XXXX XXXX XXXX ran my report without my consent. I was only inquiring about the checking account. 

I would like to have these three inquiries removed from my reports. 

Thanks you. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-15
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. (NY)

The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Consumer complaint received 2022-12-16
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. (DE)

My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : 1. XXXX XXXX XXXX Open Date : XX/XX/ 2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX I financed a car from XXXX XXXX XXXX  XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company XXXX XXXX XXXX. After disputing and contacting them I was informed XXXX XXXX XXXX  XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called XXXX and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
Consumer complaint received 2015-07-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

I have a XXXX loan that I took out in order to afford the down payment when I originally bought my home. For years, I have routinely payed that loan on or before the date that I was given as the end of my grace period. I was clearly and repeatedly told that no late fee would be charged as long as I stayed within that period. Most months I paid a little bit extra on the loan in an attempt to pay it off before the interest rate increased. This week I received a phone call informing me that my payment was short. When I disagreed, the woman on the phone explained that while I had not been charged a late fee because I had paid within the grace period, that a separate interest was attached to the amount owed for every day after the actual due date of the loan - meaning that I am being charged an additional fee even when I pay within the grace period. I have been making payments on this loan for roughly ten years, thinking that I was getting ahead when I paid extra, only to now realize that I have been charged this additional fee for all of this time without ever having been told about it. I think this is outrageous and I certainly hope it is illegal. I hope that you will address this, stop the practice, and help me and others get our money back.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have mailed Midland Funding LLC with XXXX separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, but they are not giving any information on how it is verified. I also sent them letters, XXXX on XX/XX/XXXX and XX/XX/XXXX requesting for them to remove this debt off all XXXX of my CRA. I have never received any correspondence back from XX/XX/XXXX & I still have not heard or receive my green card receipt from that company. I am requesting for Midland Funding to remove this off my credit report due to CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means. 
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 

( b ) False, deceptive, or misleading representations. 
( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney. 


They have on my credit report that they are an attorney and a collection agency and have tried to take me to court in XXXX. Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

In 2016, a former apartment community, XXXXXXXX XXXX  XXXX XXXX ( XXXX, CA ), tried to charge me for repairs & cleaning after I moved out, without providing me an itemized receipt of these charges. This apartment had burns on the carpets and stains before I moved in and I don't even smoke! They took my entire deposit of {$1100.00} ( 600+500 pet deposit ) PLUS billed me for an additional {$1200.00}. I did not get a " pre-move out inspection '' because I know that I took care of that apartment while I lived there for 2 1/2 years. I attempted to obtain an itemized receipt from the leasing office approx 20 days later and the leasing agent told me they had sent me to collections already and had no receipts to provide me. This debt was sold to IQ DATA INTERNATIONAL INC, who has since increased my balance to {$1700.00}! Charging over {$500.00} in interest on a non-interest bearing account. I never received written notification of this debt, as I moved. I did forward my address as well and have seen this negatively affecting my credit score month after month but never received any proof of the charges. They called me while I was at work, I gave then my current address but told them I needed proof of these charges, and then asked how they can legally charge me interest on this account. XXXXXXXX XXXX XXXXXXXX XXXX ( CA ) is no longer in existence and the apartment complex is now owned by XXXX XXXX XXXX. Today, I called XXXX XXXX to attempt a copy of any receipts they might have. I was told they don't have records prior to late 2016, I gave them my name and they found nothing. There is no proof that I even lived at this apartment complex according to their current records. I should not have to pay for fraudulent charges with no proof they exist, and continue to have this affect my credit report.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXXXXXX XX/XX/2021 & Account XXXX XXXXXXXX XXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX XXXX XXXX directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.