davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

On XX/XX/XXXX I paid a medical debt collection in full to Capital Accounts LLC in the amount of {$170.00}, I was told verbally and I also got a letter from Capital Accounts LLC stating that my balance was now XXXX and paid in full and also that they would be sending the same letter they sent to me to the collection agency to have the collection expunged off of my credit report. XX/XX/XXXX I seen that the company was still reporting that I had a balance so I called them to see what was going on they told me they report on the first of every month and that its the credit bureau thats not updating the account so I called XXXX  and was told the only time they received an update from the company was XX/XX/XXXX It is now XXXX  90 days later and Capital Accounts LLC is still reporting the {$170.00} balance I have reached out to them a few more times and I am still getting the same answer but on my credit report it shows the last time they reported is XX/XX/XXXX and they have also emailed me the same XXXX balance expungement letter 3 times. I just really need guidance on how this situation can be resolved.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NY)

" I C systems '' is reporting that I owe over XXXX XXXX on my credit report, stemming from not returning my computer from an old job. At no point did I ever enter a contractual obligation to return my work computer after returning to work from home during the pandemic. Now my credit report is suffering even more from this. This matter has nothing to do with a creditkr contract and has no business being on my credit report.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (GA)

On XXXX XXXX, XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} BETTERCASH ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX  XXXX XXXX ), Its been over XXXX  days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are recent credit inquiries that I did not authorize XXXX XXXX - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2021-01-14
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)

Your agency is incorrectly stating that this account is still under collections when I have already paid off the account. Please immediately update your system to reflect the account being paid and closed and no longer listed under collections XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XX/XX/2019 Original Balance {$400.00} Status Paid
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (VA)

I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency 3 letters to validate/verify the debt and each request was ignored but they continue to report to the credit agencies. I also disputed the debt with the credit agencies but the collection agency advised the credit agencies the debt was valid, but without responding my letters and providing any proof
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NC)

This item shows inconsistent results in the amount owed I am no longer responsible for this debt the vehicle was repossessed and sold at auction It is illegal to continue to collect on an item that is no longer in my possession and was resold to another party CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
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. (AL)

I have sent all the certified documentation to TransunionXXXX XXXX, and XXXX  regarding their method of verification regarding 3rd parties due to they continue to place inaccurate and unverified info on my CR. XXXX XXXX sent me a letters stating they removed these 2 XXXX  from their files and I have a security freeze through their company. Transunion is the only company that responded in writing but wouldn't tell me their method of verification via phone which XXXX is listed on all their credit bureaus websites that this is their source of public records. I have sent certified mailed letters to each bureaus regarding removing the XXXX due to FCRA 611 ( 15 USC 1681 ) goes against the policies and must be deleted immediately because its not proper verification. Credit bureaus cant use 3rd parties public record that they must directly contact the Bankruptcy Court itself who is the original furnisher it has to be 100 % accurate/verified. I have submitted a letter from the Courthouse stating they don't speak nor associate themselves with credit bureaus nor 3rd parties. I have not received any documentation from XXXX & XXXX upon certified letters till this day. I have submitted a letter from XXXX/Transunion who wont allow me to place an security freeze on the report which I have a right on all reports by law especially if its inaccurate info. On my CR its listed 2 different attorneys which I never heard of nor have I signed any documentation with any third parties. I also have security freezes on all the credit bureaus so how are they able to continue to report inaccuracies if I have all this documentation. I have listed all the supported documents you will need to handle this situation because the CB continue to lie and place information on CR that are not true which they keep blaming the courthouse.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$100.00} - {$230.00} XXXX XXXX XXXX - {$4.00} - {$130.00} XXXX XXXX XXXX FI XXXX - {$2.00} - {$120.00} XXXX XXXX XXXX FI XXXX - {$7.00} - {$120.00} XXXX XXXX {$4.00} - {$110.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$120.00} CHICK-FIL-A # XXXX XXXX - {$10.00} - {$85.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$74.00} XXXX XXXX XXXX XXXX {$35.00} - {$38.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XXXX XXXX XXXX XXXX {$110.00} {$32.00} The feature is supposed to allow you to keep track of every transaction that you spend so that you don't go into overdraft but 2 or 3 days my account will go into the negative even if I see it's not in the negative 2 or 3 days before. I've heard other customers have complained about this very same issue and it's misleading. If it's an issue for your customers why not change the app? Instead REGIONS BANK changed it reversal of overdraft fees policy at the beginning of this year according to the representative I spoke with on XX/XX/2021. I, as a banker wasn't made aware of these policy changes ... unless I missed the correspondence in the mail. The policy changed but not the app ... .that 's questionable??
Consumer complaint received 2021-01-14
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. (CA)

XXXX and Experian are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

in XXXX I paid off a vehicle loan with ford motor credit. i paid it to XXXX in XXXX of XXXX with a check for approx XXXX. On my credit report it reads " paid in full '' but in the memo or notes it says " Chapter XXXX bankruptcy '' which makes it look to the bank where I am trying to obtain a morgtae that I discharged this loan through a bk. 
I had some fraud in XXXX and XXXX, and had a fraudulent bk filed as someone tried to avoid eviction using my info which they also used to rent an apartment, the bk was dismissed due to the inability to authenticate identity. the notes on this ford motor credit account listing it as chapter XXXX  makes it appear that I did not pay this account properly and i discharged it in a bk, which i did not. i paid the account in full and in good standing. I have disputed this about 10 times to get that memo off my 3 reports, have called ford about 10 times, I dont know what else to do. all docs are attached showing bk was invalid and dismissed and has absolutely NOTHING to do with this auto loan, I need proof that this was paid satisfactorily and had nothing to do with any BK.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

There is a non-interest bearing principle amount of {$140000.00} on my statement that comes from a loan modification done in XX/XX/XXXX through XXXX XXXX. I have requested a breakdown of that number and how it was calculated on many occasions from XXXX/XXXX. XXXX with no real resolve. As of XX/XX/XXXX, the loan was no longer serviced by XXXX but Shellpoint Mortgage. On XX/XX/XXXX, I sent a request to Shellpoint asking for a breakdown of the non-interest bearing amount that was put on the back of the loan. I was specific in asking what portion were attorney fees and what attorney paid, missed payments, late fees etc ... I did not get a breakdown but they sent me the original modification documentation in which I already had and it does not outline any breakdown of that amount. The request was then forwarded to the Trustee, XXXX XXXX XXXX XXXX , XXXX and they responded on XX/XX/XXXX with sending an amortization schedule reflecting over the life of the loan. 

I'm at a stopping point since I can't seem to get this information in which is a reasonable request and as a consumer that is required to pay this amount, I believe I should know exactly what the amount represents. An additional note is at the time I got behind in my mortgage, the back payments and fees would have been well below {$140000.00}. So I am concerned that perhaps there was an error in calculating the back amount and any type of fees associated with the modification.
Consumer complaint received 2021-01-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I paid {$500.00} by credit card to start loan application. 
I supplied all requested financial information. 
I was denied the refi mortgage. 
There was an email of denial reason, but I can not open it. 
The agent will not return phone calls, emails or complaints to numerous people at Amerisave Mortgage company. 
I can not reach anyone there after three days about this. I continue to reach out to reach someone. I reapply for mortgages and agents call back. They just email to the original agent who will not reply to me. 

I want my {$500.00} credited to my credit card. 
I want to know the default in my financial record that caused the denial.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items 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
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (FL)

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TN)

The company has failed to provide me with the original signed contract or agreement related to this debt from the original creditor. Nor have they provided me with anything other than a threatening letter to sue from a company to which I have zero affiliation with.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I received a notification that there was a Pay Friends transfer in my Chime banking account. I knew that I hadnt made ANY transfers and had my phone in my possession at all times. I logged in my account and {$740.00} had been transferred that was NOT authorized. 
I immediately disputed the item via online AND by phone. I was told to complete a form, which I compiled immediately and returned via email. Im not being told that it could take up to 90 days and that it is doubtful that Ill receive a credit. This was transfer to another Chime account so they have the username and all the information they need to investigate.
Consumer complaint received 2020-03-10
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: LEXISNEXIS (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I received an email on XX/XX/2022 from PayPal saying that a request for money had been made for {$1300.00}. I then logged in to my PayPal account using my password and there was an invoice for that amount. To the right of the amount it said " if you don't recognize this transaction please call '' an 888 number. The person who answered stated that a IPhone 14 was purchased from Michigan under my account, but he could refund my money. Since I was already on PayPal, he then used a program that I had to type in my name and the amount, but he said it had to be done in {$600.00} increments, and I had to be very careful when typing it in. But when I typed in {$600.00}, it came up as {$6000.00} ( I assume they manipulated that ) so then he said I would have to pay that back, and said PayPal banks with Target, and I would have to go buy {$4500.00} in target gift cards, and take pictures and send them to him. He then told me to look at my bank account and he showed that they had transferred the {$4500.00} back, but I was to wait until the next morning to finalize. I was awoken in the morning to a text from my bank that they had taken all but .09 cents from my account.