davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (CA)

I disputed an incorrect late payment with the bureaus on XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. On XX/XX/2020 I submitted a 2nd dispute to the bureaus requesting again that they complete an investigation and notify me of the responses. I do not feel that I was ever a full 30 days late on this account and my personal records do not indicate this either. There are also numerous of inquiries that I did not authorize that are on my credit report ; you can clearly see that an account had not been opened and these need to be removed immediately!
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc (NC)

Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. XXXX requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

On XX/XX/2020 I received an alert from Equifax stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at XXXX  that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.
Consumer complaint received 2022-12-29
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. (MO)

Chase has been forcing me to make double payments on my mortgage. If I dont make the double payments they ding my credit report. I have spent months working with their executive team members and through XXXX without resolution. 

Mortgage initiated XXXX  2022 Monthly payment due {$2400.00} Total owed from XXXX - XXXX is {$14000.00} Payments that have been made : XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$5200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} TOTAL PAID : {$34000.00} On XX/XX/XXXX the issue was supposed to be resolved and they credited me {$10000.00}. 

However, this issue was not resolved. 

Chase is stating they refunded me three of the XX/XX/XXXX payments. Those refunds have never been received. 

I have been fined twice for late payments for XXXX and XXXX and have a 60 day late payment ding on my credit report for XXXX. 

Lastly, my mortgage principal is not going down even with the extra payments. 

What needs to happen to resolve the situation is : 1. They need to discover what is going on in their system to prevent this from reoccurring. 
XXXX. I need the negative ding on my credit report for XXXX removed. 
XXXX. I need to be refunded the two {$81.00} late fees 4. I need a refund of {$9200.00} {$34000.00} ( total paid ) - {$10000.00} ( XX/XX/XXXX credit received ) - XXXX ( XXXX payments due ) = {$9200.00} XXXX. My mortgage principal needs to be adjusted accordingly
Consumer complaint received 2020-04-03
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF ED / XXXX ( Open Date ; XX/XX/XXXX, Balance {$4100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2100.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2200.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$610.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$2900.00} ), DEPT OF ED / XXXX ( Open Date : XX/XX/XXXX, Balance {$700.00} ). XXXX - XXXX XXXX ( Open Date XX/XX/XXXX Balance {$1600.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (GA)

I received a letter dated XX/XX/XXXX on XX/XX/XXXX. I called today XX/XX/XXXX and spoke with XXXX regarding alleged debt. When I asked representative about the debt she advised she was not able to give much informtion due to HIPPA laws. However, I advised representative that the debt was not owed per the insurance company as another company attempted to collect on the same debt. A complaint was filed on XX/XX/XXXX with the CFPB regarding the same debt and a response with alleged debtor repsonsed XX/XX/XXXX. Case # XXXX. I have attached the bill from the prior company as well as the new company with the same account number. 

I received a call on XX/XX/XXXX at XXXX XXXX  from XXXX XXXX XXXX regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from XXXX XXXX  XXXX. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called XXXX XXXX  XXXX on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that Mr. XXXX would return my call and needed a good contact number. I asked MsXXXX XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''. 

Company 's Response Consumer 's concern has been documented and all communication will be ceased. We have notified the client of the consumer 's complaint.
Consumer complaint received 2020-04-03
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. (TX)

I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was frauded by a sales rep for a billboard company stating she was selling space on this billboard for my XXXX. She rushed two large payments upfront pushing and hurrying everything. Then I received a call from the actual owner telling me she had no authority to place my ad on the billboard and attempting to get me to sign with them. Long story short they entered into a lawsuit between these two companies with me stuck in the middle. This happened in XXXX of 2018 and then I was notified in XXXX on 2018 by actual owner. Both businesses have said they are not pursuing me for these charges and they will work it out in their lawsuit between themselves. I have supplied all the documentation to Capital One and notified them immediately after I was notified telling them not to pay XXXX  and gave them the support. Over the last XXXX years I have spoken to 17 different Capital One supervisors, collections people etc. I have upload support on their online portals and have  begged them to get this off my credit. I even overpaid them by {$1800.00} which was confirmed by one supervisor. They all say they will call me back and we will get this resolved yet nothing happens. Six of the supervisors removed it then the next month it would be added back. Only one supervisor walked through every charge and payment and she agreed that I overpaid them. Yet they have filed a negative report on the credit as a charge off. This is hurting my credit and ability to get loans needed during this time. I have the support and can upload to your site as well. Please help!
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (MD)

I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the Delaware XXXXXXXX XXXX XXXXXXXX both of whom regulate Discover Bank. 

Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. 

Discover Bank charged off my Discover card after my spouse lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector and law firm XXXX XXXX XXXXXXXX. I have never entered into a Consumer Credit Transaction with Portfolio Recovery or XXXXXXXX XXXX XXXXXXXX. Discover Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX has taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. Portfolio Recovery bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
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. (AL)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX {$500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$300.00} XXXX XXXX {$610.00} XXXX XXXX XXXX  XXXX {$610.00} USDOE/XXXX  XXXX {$52000.00}
Consumer complaint received 2023-05-10
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)

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 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022 I went inside the chase bank to withdraw {$1000.00} from the ATM it was the first ATM in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States, so I put the number of dollars I want to withdraw {$1000.00} the ATM was working good but, did not gave me the money {$1000.00} and no receipt so I was already inside the bank and I went to the personal of chase bank and I tell them what happened and they said you need to do a claim so they take me to one of the office and they call to do the claim and I did the claim, they said in one week they were going to give me the money but they still in investigation I tell them check the cameras, so later they credit the {$1000.00} but now they take the money from my account again the {$1000.00} in XX/XX/2022 they said they need more details i I already tell them all the details and I want my money back please is my money and they taking so long please help me.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (CA)

I have 3 Investigations that Equifax has been looking into and still haven't posted the results. their status is pending and the results according to their site i should have received by now. most of the time this is the case when i put in a credit report dispute with them. i have uploaded the document of the screenshot i see when i login
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST, EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST,
Consumer complaint received 2020-04-03
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)

To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out to me.