davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Wakefield & Associates say I have two accounts opened in 2018 And I have no knowledge of them whatsoever. I disputed with XXXX and they were able to find the same evidence and take it off my credit report? Why XXXX is saying something different is beyond me? THESE ACCOUNTS IN 2018 are NOT MINE
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resolve Partners, LLC (MD)

I spoke to the manager at the property, XXXX XXXX and asked her to send me a detail copy of the supposedly bill I owed and as of today 's date. I have not received any information. As you look into my credit history I pay my debt in full if it's owed and know that this is not the case for me in this situation. I feel this individual is trying to collect money that is not merited. I asked her what was the debt for and she stated it was for the apartment being left uncleaned, which is highly unlikely for me as I am XXXX. 

So, can you please look into this matter, so it can be resolved and my credit score can be restored. If I get proof I owe the bill then, I will take care of my responsibility, however, I refuse to go around giving out money to people. 

Finally, I will need my account secured with some measure of security as someone has stolen my information and is looking into my credit info. 

I thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Recently, several accounts and their corresponding tradelines have either been removed or have never been reported to my Equifax credit report. 

I have had several issues with Equifax including what they said was a mixed file. I had to fax in my identification ( Driver license, passport, etc ) and utility bill to show my address. This was resolved supposedly. 

However, ever since this issue, I have had no new accounts report to my file even though they do report to XXXX  and XXXX  as well as XXXX. 

I have contacted the bank which issues and services the missing accounts and they have all advised me in writing that they are reporting the accounts to all three major credit bureaus. 

The missing accounts are : XXXX XXXX  / XXXX XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX XXXX XXXX / XXXX. Account ending in XXXX opened XX/XX/XXXX
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WI)

Citi failed to provide the protection they promised as a result of their dispute findings. I disputed a charge from a fraudulent hotel listing on XXXX. XXXX only refunded {$49.00} of the {$98.00} charge. The hotel did not have the room available, so we did not complete our stay. Citi said they would only refund {$39.00} of the charge. Citi says Citi is at your side before, during and after every purchase.. In this case, I was left stranded in a foreign country, and had to look for alternate lodging. Citi failed to offer the protection of the service I was promised, and should be ashamed they protects intentional fraudsters instead of their card users. Below is the information sent to Citi : I am requesting a full reimbursement for my 1 night charge for the XXXX XXXX XXXX reservation # XXXX. I originally made this reservation with the intent on staying two nights. Upon arriving to the hotel, I began the checkin process. As the hotel representative was describing the room, he said it had a fan and good air flow. I paused and asked him if it had air conditioning, per the room details on XXXX. He paused for a moment and said no air conditioning I then mentioned the room reservation said air conditioning, and he said Ok and proceeded to check us in. Prior to him finishing, I asked if I could view the room as it seemed a bit skeptical given his original response. He took us to a room that was not as described in the listing. 
The air conditioner was not working. It was blowing room temperature air. He said the air conditioner would get colder, yet we stood there for 5 minutes and it was the same temperature. It was clear this was not working, as there was a flashing light indicator on the air conditioner that was indicating there was a problem. I asked if there was another room and he said no. Also, the room was currently occupied as there was a bag, toiletries, sandals, and a backpack in the room so it wasnt available for check-in at that time ( Im not even sure the room he showed us was the one we would receive ). Additionally, the room had a musty smell, like smoke or another substance. On the listing smoke free, and given XXXX it was not an option. 
I have contacted XXXX three times on this matter. The final time, the best they said they could provide is a credit for future use. I do not want a credit for future use, so I declined this option from them. I have transcript of the final conversation where they said they would not issue a refund. 
Due to the inaccuracy on the website and XXXX XXXX XXXX failing to fulfill the terms of the agreement, I would like to request a refund of the amount charged to my credit card.
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

USAA wants members to submit transactions for dispute and not review when then can verify your geo location and biometric signature can confirm or deny if you are the device owner * ( if someone else is not enrolled with their biometric image ) to give a false positive. 

This false positive happened with me and they still act like I am not informed and later dismissed as an XXXX. Who does that? 

USAA has engaged in unethical business practices by only having a short conversation and later to discard what a victim has endured as if life doesnt happen. 

How? Why? 

I havent been able to access my XXXX XXXX and XXXX deposit which I thought was protected no matter what. Especially with it being a XXXX XXXX founded company. I am curious to know what percentage of the US population they get the XXXX  XXXX and XXXX checks knowing I have no food or power and after three days of 30-20 weather alone desperately reaching out for help to hear, oh I am sorry, but I dont believe you are a victim of crime. Really? Want the police report about the XXXX assault?
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-06
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (RI)

I tried to open a checking account online with CitiBank around XX/XX/2019. I tried several times but kept stopping to check the information on the account. In XX/XX/XXXX, I received a letter dated XX/XX/2019, stating that I was denied the account due, in part, to information in XXXX and XXXX. I knew that there was no negative information on either credit reporting agency. However, I ordered my free copy of the reports to make sure there was nothing fraudulent on them. Once I received them, and called to ask why the account was really denied, the representative could not answer the question, but suggested I re-apply. I did re-apply with a banker over the phone and the account has been opened. 
I do not think it is fair to provide an inaccurate reason for the account denial. I still don't know why it was denied the first time, but can only assume there was concern of fraud because I kept stopping the application process. If that was the reason, then the letter should have stated that and the account could have been opened almost two months earlier. 

Also, I had a hard time getting through to someone on the phone number that was provided on the letter. Obviously, I received the letter in response to an application. But when I called the number, the automated system wanted me to provide an account number. It took me several tries to finally speak to someone.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

This complaint involves a mortgage payment that occurred during the transfer of the mortgage from one provider to another. Regular payment in excess of minimum amount due on my primary residence, have been made on time for the past 14 years. They are made via bill pay, through my personal checking account. The notification regarding the transfer, new provider and payment forwarding information, was received on XX/XX/XXXX. The XXXX payment was processed by the bank on XX/XX/XXXX. This payment was sent to XXXX XXXX. The provider transferring the mortgage. The new mortgage provider is Shellpoint Mortgage and before any transfer notice was received. On XX/XX/XXXX the first mortgage payment to Shellpoint Mortgage was process through bill pay. On XX/XX/XXXX, I received a notice from Shellpoint Mortgage notifying me that the XXXX payment has not been received and is past due. This notice also indicated that an additional amount of {$400.00} was also now due, with no indication on how or why this additional amount was derived. I assumed it was a late fee. 

I then contacted Shellpoint Mortgage and was advised that the XX/XX/XXXX payment was never received from XXXX XXXX  and for me to provide personal banking information and supporting payment confirmation. I complied with payment history for XXXX from XX/XX/XXXX through XX/XX/XXXX and Shellpoint payments for XX/XX/XXXX and XX/XX/XXXX. This communication was sent via email to Shellpoint Mortgage. I received an auto reply indicating the message was received. 

I have not received any response from Shellpoint Mortgage as of XX/XX/XXXX. 

On XX/XX/XXXX I received a large envelope via regular first class mail. It contained a legal notice from Shellpoint Mortgage that the mortgage payments are behind and that they have the right to foreclose. It also indicated that the outstanding amount is {$2400.00} and that the credit bureaus have been informed about the late payment, missed payment or other default on the account. 

I am at wit 's end. I have contacted Shellpoint Mortgage twice and received no guidance and have sent two emails with supporting information with no response. 

Should I be forced to just pay the {$2400.00}? What confidence do I have that the credit reporting would be corrected. Should I be forced to re-finance? 

It should be noted that XXXX XXXX  has filed for chapt. XXXX protection and the preceeding company, XXXX XXXX has also filed chapt. XXXX.
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (VA)

On XX/XX/2020, I had been contacted by a company called XXXX XXXX XXXX XXXX whom informed me that they bought my debt from Pendrick Capital Partners II LLC. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked XXXX XXXX XXXX XXXX. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX Victoria Secret ( Comenity bank ) I have requested information from the creditor due to a Victoria Secret credit card ( Comenity bank ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-01-11
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. (LA)

On XX/XX/XXXX the following accounts were Deleted off my credit report from Experian Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

The orginal creditor was XXXX  XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX  customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. 

As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your services!
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX the following accounts were Deleted off my credit report from XXXX Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

On XX/XX/2020, I had been contacted by a company called Phoenix Financial Services LLC whom informed me that they bought my debt from XXXX XXXX XXXX XXXX XXXX. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked Phoenix Financial Services LLC. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.