davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX Experian Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked Transunion to remove the bankruptcy from credit report it says on my credit report that they received the information from the bankruptcy court but its not true because the bankruptcy court dose not report to any credit reporting agency
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Amid the coronavirus pandemic Ive tried reaching out to Capital one to discuss resources available if my income was affected. Ive been trying for a week to call them. Have waited on hold in excess of three and a half hours to speak to a representative ( proof attached ) with  no answer or when I've finally reached a rep to talk to the line will disconnect. I believe the phone system is being manipulated by Capital one in an effort not to help their clients in this crisis. The reason I feel this way is because I have requested in the past for assistance during hardship and they offered me a program to defer my credit card payments and reported them as late payments on my credit report in 2018, and remain there at present time. Another incident I've experienced with them is I applied for a car loan with them and within a 30 day window there is 4 hard inquires from the same company. Ive asked them for a letter of deletion that Ive yet to receive. Another complaint I have with them, they delay reporting accurate information to your credit report. My auto loan balance remained the same for two months even though I made my payments on time. One of my credit cards Ive had for 4 years, made every payment on time, and have only received one line increase on that card in four years even though numerous request have been processed. The other credit card and auto loan came after that card so my decline had nothing to do with credit worthiness, and Capital one reason why I didnt get the increase are lies. I'm so over them
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with Transunion the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
TransUnion Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Consumer complaint received 2022-12-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-02
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)

This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report.
Consumer complaint received 2020-03-24
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 have consistently disputed Experian for the verification method used to verify the bankruptcy on my credit report. I have a letter from the Court stating they did not list it, I also have a response from XXXX XXXX stating that my information has been locked. I've asked continuously for their method of verification and have yet to be provided anything but the same response over and over.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Credit and Collection Service, Inc. (CA)

I should remember actually date because I came XXXX  three years ago till now especially with XXXX credits and XXXX  XXXX with XXXX XXXX even credit union are not reporting the right figure someone when to fit wrong impression on my credit union that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation
Consumer complaint received 2020-04-02
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)

I have tried hand writing letters and even submitted evidence that the current items on my profile are paid off by bankruptcy or incorrectly reporting. Experian refuses to dispute my claims even with evidence sent. The fair credit reporting act was made so consumers wouldnt be hurt. Experian on multiple occasions have violated my rights in this matter. They refuse to dispute my claims on my dispute. Letter of dispute will be attached with evidence letters. Everything was sent certified mail so I got receipt that my letter was received. Attached will be a copy of this as well.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX has been on. My file for 7 years and 7 months its been paid and should no longer be on my file
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has been a MAJOR problem, and due to their multiple errors, my mortgage company can not get a credit report, despite that I have spoken with one of their reps >2 weeks ago. When I applied to get a better mortgage rate, I tried to log onto my TransUnion Account. It all seems to involve credit report locks, which I placed myself, and have been able to remove temporarily using the apps. Now that doesn't work. It failed to recognize my answer to a secret question ; which never changed. After a lengthy phone debacle, I finally reached a rep, who reported that she would unlock my report, and would send info on resetting my question. That email never came. I called again, and was instructed how to change my password, which they said would fix the problem. I couldn't get to that point, because it still requested the secret answer. After yet another call, I was told that it should react that way, and she wanted me to try again. It STILL didn't work. On yet another call, I was told that I would need to set up another account. I did so, but now I can't access that account either. I was also told that the account WAS unlocked, but due to a fraud alert, the lender would need to call me. The bank confirmed again that the account was locked. When I try to recover my log in info, it doesn't recognize my SS # and last name. I have tried to retrieve the log-in info ; but it ignores name, SS #, etc. I have spent approx 3 hours with this dysfunctional system, and can't even cancel my account. I have been on the phone > 1 hr today, and am now 40 '' on hold. The back documented that TransUnion Still has blocked my credit report, now >2 weeks since I was told that it was unlocked. I can't refinance, because TransUnion is not responding to multiple attempts for assistance thru multiple numbers, with logging on, or to cancel this damaging service. 
I finally got a live person, but was dumped when being transferred, 55 minutes LOST. Nothing was done. 
My credit is being held hostage by this dysfunctional system that prevents me from cancelling.
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AR)

I have to file a complaint with Equifax, XXXX and XXXX. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All 3 agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. 

Thank you.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2020, an agent from XXXX XXXX  called me, and informed me, that if i just made onXXXX payment it would bring my account up date. As of today XX/XX/2020, it still sHows i am 90 days paat due, no money has been applied to the account. 
The agent told me false and misleading practices. I spoke with an agent today, name XXXX, that told me, yes you paid on it, but its still past due, and we are going to report ur payment but we just havent done it yet. 

I asked him why was i told diffent, on XX/XX/XXXX, he said they didn't mean it that way. 
I did inform XXXX  i am reporting this.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX at XXXX i was on the phone with capital one for 46 mins. i received numerous offers via email about doing a balance transfer with a 2 % fee and i will have no interest fot 12 months. I notice that i was being charged interest anyways. i called in and they told me they say my offers and they assure me they will fix the issue and that it was a glitch. i was giving a case number and was told i will be getting a call and the issue will resolve. on XXXX XXXX i called at XXXX and i was on the phone for XXXX mins. i spoke with someone and they put me on hold for a while than came back to the phone and told me i selected the balance transfer with no balance transfer fee i told them i ddint and show me that i made that election online. i told him that doesnt make sense why would i do a balance transfer with my original credit card with lower interest and come to you all with higher interest. no where in my letter did it say or did a free balance transfer it said no interest for 12 months. i am not being honored my offer im still being charged interest they claim i made a different selection when i accept the offer it prompt me to select no interest for 12 months and put in my card number to do the balance transfer and i explain to the man if that was the case why wasnt i told this the last time why no one ever called me. show me this is what i selected. why would u even have another offer to me if the numerous letters i received didnt even have that option. why would anyone not choose no interest for XXXX. they misled me and is not trying to help me. all he said was there was nothing he can do. i ask to speak to his boss and he stated i cant. i am very diasppointed with capital one. also they have me at an interest rate for 28 % when i was offer 25 % AND 26 %
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accelerated Receivables Solutions (WY)

I was not aware of this debt until XX/XX/XXXX at approximately XXXX when I was served with the legal papers. I initially tried calling the company where the medical services took place. They refused to help me. They said that the debt was too old and that " I should have read my Explanation of Benefits '' or known the terms of my insurance better. As I explained to them, I wait for the bill so that I know that everything is hashed out between the insurance and the facility. I do not even recall receiving an Explanation of Benefits, but I know that I did not receive any letters. When they refused to help me, I called and talked to XXXX at Accelerated Receivables Solutions. When I spoke with her, she let me know that they had sent me 2 letters since the XXXX date of service. I do not recall receiving either of these. The kicker was that she openly admitted that THEY CALLED ME OVER 160 TIMES. I did not receive any messages and like most people, I do not return calls that I don't know and that don't leave a message. XXXX demanded payment in full and told me that the ability to make payment arrangements had passed. I proceeded to tell her that if they weren't even willing to work with me, that I would see what my options I had in regards to harassment as she herself had admitted the number of times that they called. Looking at the math, that would be 1 phone call every 5 days for the past 2 years and 3 months if you are only looking from the date of service from the original debt of XX/XX/XXXX and I am sure that they received it at least a few months after that date which would make the number of phone calls even worse. I would like to know what options I have her and what I need to do.
Consumer complaint received 2022-12-28
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. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this items to be INSPECTED and BLOCKED. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Hi there. I have read my credit score and something is not right. I haven't opened a new product and either have done over 12 months a late payment. My past historial credit report with missing or payment was due to a particular reason explained to my creditors not being this my intention, after of that not good experience I have kept a behavioral exceptional so I encourage to you to investigate because all my payments are on time and not asking for new products of credit to get a drop of XXXX or XXXX points, so I don't trust this credit report and not coming true. It looks like pull on to accept a higher membership such I am not interested. I would prefer not having an open membership with you because is not trusty or not responding to the true. I could assign a financial attorney for this and resolve this issue. 

For contact, I am searchable I'm XXXX XXXX, if it is necessary. But the true it demands a deep investigation from my side or your side, of if is other person using my credit, such I don't share with nobody else. 

Sincerely, XXXX XXXX