davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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. (GA)

I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-10
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. (GA)

I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX
Consumer complaint received 2023-11-29
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. (FL)

I am currently in the midst of buying a home, and during the examination of my credit report, I discovered unforeseen damages that are impeding my progress in the home-buying process. Despite multiple attempts to reach out to this account ( s ), expressing my concerns and requesting assistance in resolving this issue, I have not received any support or resolution, despite their awareness of the violation and also sending them requested documents of a Police report, ID, and SSN as I am a victim of identity theft. 


In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681.

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2020-02-07
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. (AR)

My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-05-24
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. (DE)

This is XXXX XXXX XXXX please 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 2020-01-10
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. (OK)

Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this account.
Consumer complaint received 2020-01-10
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. (UT)

XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/2019 Citibank converted a hold that the XXXX placed on my account to a charge. I did not pay for my stay with my Citicard. I only used it to hold the room. The hotel comped one night of the stay. My mother paid for the remaining balance of the stay with her credit card.
Consumer complaint received 2020-01-10
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. (UT)

XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (OH)

NCB XXXX a debt collector continues to report an account that was discharged in a bankruptcy as an open account. The information includes a balance of {$150.00} as if it is the current balance. I was told by XXXX that their legal department says it must be reported that way when I spoke to him on XX/XX/19 and XX/XX/19. Both dates he said he would contact me. He didnt contact me on either date. I was told the only way the account would be considered closed is if the balance was satisfied.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Card Services reported a charge-off account on my 3 credit reports XX/XX/XXXX. Upon learning of this I have tried for over a year to correct this paid off account with the credit bureaus. The credit bureaus continue to report that Chase verified the reporting as accurate. With no such luck of getting it deleted from my credit reports I sent a letter XX/XX/XXXX requesting validation of the debt with competent evidence bearing my signature. I did not receive any kind of response so after 30 days I sent another letter XX/XX/XXXX again requesting validation with any viable evidence bearing my signature proving the account as being reported accurately. Chase finally responded with a letter XX/XX/XXXX stating they are updating my account information with the credit bureaus that says I have a charge-off with an outstanding balance and it does not include any proof of validation or my signature.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have two credit cards for Capital One. The first one was opened XX/XX/XXXX and the second one was XX/XX/XXXX. My account was restricted so I called the credit card company today XX/XX/XXXX. They said that " I entered the wrong social security on an account ( they can not elaborate as to when or what account ) '' so now they are requiring me to submit a copy of my social security number and government-issued ID. My question is this, after almost 8 years of having credit with them, is it safe or even lawful to demand a copy of my social security or a government-issued ID for one incident? I do not even know when or when this happened? If the credit card company is concerned about identity theft, I had to check myself on my XXXX account and there is no such incident. So why are they harassing me for this?
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank credit card are as follows and I did mail a copy of everything to your facility. 

1. Last statement I received was in mid XXXX. I explained to them what the issue was and was informed by their representative on numerous days til mid XXXX that they would work with me and I had to make a payment on XXXX in mid XXXX which I did and sent in. 

2. Never received a bill in XXXX. However I did make a payment of XXXX on XX/XX/22. 

3. Now they are claiming that I am deliquant when they never sent me a billing statement and are not working with me to correct this situation.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (VA)

Northstar calls me every day from this number - XXXX XXXX XXXX - trying to collect debts from someone who I do not know/does n't live at my address. I have no debts of any kind. I have tried to tell them not to call b/c they have the wrong number, but they hung up on me. This have been happening every day since XX/XX/2020.
Consumer complaint received 2020-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (TX)

Person claiming to be from the National Mediation and arbitration from XXXX Georgia tried to collect an outstanding medical debt for an XXXX XXXX visit on XX/XX/2011 for the amount of {$440.00}. They said that I had to pay the amount of risk being sent to court by the end of the business day. That according to a new law that Trump passed, unless I took care of it today I would risk the amount affecting my taxes. When I asked for the account number or a copy of what was happening on paper they stressed that they couldn't do that and it had to be handled today. The only ref. number they gave me was XXXX. and a call back phone number of XXXX ext. XXXX. I spoke to two people a woman with the last name XXXX and a man named XXXX XXXX. 
I contacted my Insurance to cross reference the date and see if they had any medical claims with that date. They did not. The insurance contacted the hospital and the hospital also did not have any records of service on that date and also said that the " National mediation and arbitration " from XXXX Georgia was not a collection agency they use.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (TN)

Hello. I have recently paid off a Joint US Bank 20 year loan for an RV originated XX/XX/2004 4.5 years early. The loan history is perfect on this account, never late or missed a payment. During the course of this loan I had a bankruptcy. The loan was reaffirmed and the account was never once compromised to this date. US Bank refuses to report this account to the Big 3 Reporting agencies because of the bankruptcy filing knowing full well the account was never compromised at any time. I have talked to everyone possible within US Bank trying to resolve this issue. I feel like I'm being discriminated against and being dealt with unfairly regarding this matter. All I want is the excellent payment history to be reported to the credit bureaus fairly. 

Thank You
Consumer complaint received 2020-01-10
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. (CO)

According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX PO BOX XXXX IOWA XXXX , IA XXXX Could this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.
Consumer complaint received 2021-09-07
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 (OH)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/XXXX, I received from Southwest Credit Systems regarding my account being settled with XXXX. However, XXXX is still saying that I have a past due balance stating that I owe them when the account has been resolved. 

I have called both Southwest and XXXX in reference to the communication regarding the updating my account, and I was told that this would be updated in XXXX with XXXX, and to date they still have my account stating that I have a past due balance when the account has been settle.
Consumer complaint received 2020-01-10
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. (NY)

I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.
Consumer complaint received 2021-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

On XX/XX/ I received a notification alert from my credit report that an item was placed for collections in the amount of XXXXdollars. The company listed is XXXX XXXX XXXX XXXX. I have not obtain any services via emergency room or urgent care. This company does not provide any contact information for reference. I have not received any mail notifications in regards to this collection before being placed on my consumer report nor have I received any information after it has been listed. I do not have any account information. I have attempted to dispute this account with the consumer agencies but all claim the information was verified, yet I have not been provided any information on how to reach this agency.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (UT)

I once had a XXXX XXXX Credit card Which I used very little. Suddenly in XX/XX/2018 the card increased to over {$70000.00} and I had not done it. It was interesting that the card limit was {$15000.00} but was well over that. I contacted the company which had been bought out by XXXX and they could or would not give me any explanation. The statement showed multiple payments on the card but then within about 5 days reversed the payment. I did not make the purchases and even IF I had what happened to the credit limit of {$15000.00}. 
WE have tried talking to the new owners of the account ( Midland Credit Management ) and again nothing we say seems to register with them. We sent them a letter disputing the whole thing and just now we received a notice that they are " uncertain of what we are specifically disputing ''. I thought our letter was very clear as to what! For one thing I didn't make the purchase, the second ; the banks that the payments were made from I do not know and have not had accounts there. The only way I can see it getting to the {$86000.00} they are claiming is if there has been fraud on their part.
Consumer complaint received 2020-01-10
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)

I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MD)

I have been receiving threatening calls from a customer service agent at Hunter Warfield. They guy will not give me his name. He purposely would state my name wrong after correcting him multiple times. I simply asked for him to cease and detest calling my and my family multiple times and I would like documentation in writing so I can pass along to my lawyer as I have mold and lead case in regard to this debt. The agent told me that he didnt care what I had and the he loves to talk to lawyers and demanded my lawyers information. I told him that I no longer feel comfortable speaking with him and I feel threatened by his tone. He told me that they already mailed out documentation I told him that I never received and if he could mail again? He stated that is not my problem that you are not receiving your mail. I asked him again what was his name and could I speak with his supervisor. He became hostile which forced me to hang up on him.
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (TX)

Please be advised that our home payments increased to near triple of the monthly payments. Wife lost her job as she was XXXX   and could not work so we lost income. All the home in this newer community are for sale. We tried all options with the lender and were not able to get anywhere. We have a short sale package over the the lender and filed a complaint with midamerica to let them know their communication has been ZERO. The lender does NOT answer the phone they place you on hold over an hour and drop the call. We have tried to verify that the lender has all our short sale docs in review and we are not able to communicate with them. Over 3 weeks of calls and nothing at all. When a borrower is in distress we are in URGENT need to communicate about the status of our loan and the review of all options as a consumer. We need help to make sure the lender is contacted about getting this resolved NOW! as I am in a situation that is timely and needs attention right now. Thank you.
Consumer complaint received 2023-03-16
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I am a long time account holder at PNC bank of XXXX. My account actually predates their purchase of National City Bank ( my original servicer ) As you know there was a scandal created by " sorting and batching '' to create overdrafts. As a solution, banks like PNC promised to end the process, and they also offered people like me no fee banking. To my chagrin they unilaterally informed me a few weeks ago that my zero  fee account was no longer in effect, and I also noticed that my automatic withdrawals were suddenly shifting dates at their discretion apparently to CREATE insufficient funds status. Since then, I have had at least 3 unexpected penalties. My requests for refunds were denied and my requests for no fee checking were ignored, as were my requests for a firm date for automatic drafts.