davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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. (OH)

XXXX Credit Card serviced by XXXX XXXX. 

We have literally contacted XXXX 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet XXXX has failed to reflect that payment on the account. We have emailed XXXX over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call XXXX XXXX the hold time is HOURS. 

Today XXXX just reported the account as PAST DUE after we again contacted XXXX asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NowackHoward LLC (GA)

I am a XXXX XXXX XXXX whose XXXX has come to a stop due to COVID-19. 

Many of us XXXX XXXX XXXX are facing financial stress, XXXX and some may consider suicide during these unprecedented times. What happened to my XXXX of 20 years due to COVID-19 is not my fault. 
NOW Im dealt another blow from attorneys seeking to generate fees in the collection of a debt that I no longer owe. 

While my mortgage payment and other bills are due. Even my lender is working with me due to COVID-19. But not these debt collection attorney firms. 

On XX/XX/XXXX I accepted a settlement offer that the case would be dismissed for no fees, fines in return I would make changes to landscaping. I have the settlement in writing. 

The debt collection attorneys at that time were XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Georgia XXXX. XXXX. 

Nowack Howard XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX The week of XXXX I was notified that another law firm Nowack Howard was added to the lawsuit. Now there are Two attorneys firms and Four lawyers trying to collect a debt that was already settled. 

The week before XXXX I received notice from the courts that a case that had been settled was now scheduled to go to trial on XX/XX/XXXX. 

I was blind sighted. From XX/XX/XXXX until XX/XX/XXXX. No activity happened on the lawsuit. I assumed it would be dismissed as agreed. 

Now these attorneys firms operating with unfair practices and have no integrity. All for collecting attorneys fees have decided NOT to honor the settlement agreement in XX/XX/XXXX. 

I have provided written evidence and asked they stop the misuse of the courts time. The only thing they care about is the financial reward of having a new client. Theres no reasoning with the new attorneys as their goal is to aggressively rack of attorneys fees. 

They reopened this case during COVID-19 the week before XXXX which gives me little time to prepare. This was rushed through the courts with the hopes I would have little time to get ready and a default judgement would be found. 

These attorneys have Not acted honestly after I notified them that the matter was settled. They are not trying to avoid non essential litigation. But proceeding with this case as though I committed a crime. 

During COVID-19 these practices from attorneys acting as debt collection agencies should stop. When a written settlement is in place, they should consider honoring said settlement. 

But for financial reward they see before this case would have stopped.
Consumer complaint received 2020-06-12
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: The Outsource Group, Inc (CO)

*There is a collection account on my credit report for {$630.00} from Medicredit . It shows that it was paid and closed in XXXX. I wanted information as to the nature of this account and to discuss having it removed from my credit report. 

*On XX/XX/XXXX I called the number listed for Medicredit from my credit report. I spent hours on the phone with three separate individuals and no one at the company was able to find any record of me. They used my full name, phone number, address, social security number, and the account number listed on my credit report. I called the hospital listed as the original creditor and spent three days talking with four different people in different billing departments and was told they show no record of anything going to collections. Everything has been paid in full and I should call Medicredit back and discuss the problem with them. 

*On XX/XX/XXXX I spoke with three individuals at Medicredit XXXX all who were unable to again find any record of me and eventually hung up on me. I was incredibly calm and respectful throughout this whole process and finally cried and cried out of frustration and disappointment after being hung up on after days and hours of trying to get to the bottom of this account on my credit report. 

*Can you please help me remove this from my credit report?
Consumer complaint received 2020-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America XXXX : We booked two flights with XXXX   airline from XXXX   to XXXX for {$970.00} XX/XX/2020. We also booked online a return flight from XXXX to XXXX  on a separate charge. Because of the COVID crises and XXXX Financial instability they canceled both flights and didn't provide a refund or any compensation. I reported to Bofa and they open a dispute. XXXX was not answering phones or providing any communication about the status of the flights. The return flight was later canceled and removed from my account. The outbound flight for XX/XX/XXXX was later canceled about XX/XX/2020. BofA charged the {$970.00} back on my account. I requested that it reopens because no service was provided. XXXX offered points to fly at a later date. however, at this time they offer no flights. 

I requested a refund, however, Bofa told me that the airline was offering a sufficient offer for services not rendered.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2020-06-12
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$800.00}
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises (IN)

I really don't know where to begin. I was discharged from the XXXX XXXX which is called XXXX XXXX XXXX XXXX I believe of XX/XX/2018. Because of XXXX XXXX I was there needing their services if I am unable to take care of myself. I decided to come home and get home health services to take care of me. Through XXXX XXXX I am able to receive these services. I am on social security XXXX. To make a long story short I have never received any theme from the XXXX XXXX saying that I owe them money or from the collection agency! I just happened to find out through my email that I have a creditor. that is the only notification that I have received and I just got that within the past 60 days. I would like to have this removed I do not owe any money. I don't know what else to say. I did try contacting the XXXX XXXX  and speaking with the director whose name was XXXX. And she was no longer there and has gone to a different facility. The company was changing ownership and bringing in a lot of new staff. And there is a high turnover rate there. With all of that confusion something like this could have happened. That is the only reason I can think of something like this happening!
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

Capital Accounts has placed this on my credit report and it has nothing to do with me. 
It states date assigned XX/XX/2019 on XXXX its XXXX on XXXX XXXX its XXXX and XXXX its XXXX
Consumer complaint received 2023-01-05
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. (FL)

I have quite a few inquiries I don't recognize. 

XXXX XXXX XX/XX/2022 XXXX XXXXXXXX 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 2020-06-12
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. (UT)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number ***XXXX  ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}
Consumer complaint received 2020-06-12
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: CREDIT ACCEPTANCE CORPORATION (TN)

My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on Credit Acceptance reporting. Within a week I disputed with XXXX, XXXX, and Credit Acceptance including a copy XXXX  report from both bureaus of on-time payments for the negative days recently reported. Credit Acceptance has been on-going with consistently changing to inaccurate information. XXXX has corrected information accordingly however, my XXXX report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX XXXX, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.
Consumer complaint received 2020-04-13
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. (CA)

Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted and XXXX XXXX, # XXXX is not appearing on XXXX, though XXXX  has the wrong number which should be # XXXX, refer to XXXX dispute letter. I have placed an asterisks near these accounts. I have submitted multiple dispute letters outlining the above on XXXX, XXXX, XXXX with no response to date. This is three 30 day violations in addition to the other FCRA violations. 

No mortgage only appears on just XXXX, so XXXX  and TransUnion are in direct violation for not deleting this account in addition to illegally ignoring the attached ID THEFT POLICE REPORT sent to them on XXXX. That dispute letter was sent certified mail, refer to attached postal certified mail receipt. 

Please refer to the attached XXXX  report, 2nd attached XXXX  document, indicating the sentence, The disputed item is not currently reporting on the XXXX credit file. Public Record : Bankruptcy : XXXX. Any public record item would appear on XXXX, TransUnion and XXXX, XXXX  did a proper investigation and determined that this Bankruptcy XXXX was not appearing in their database. 
XXXX stated that a second Bankruptcy, # XXXX is not appearing in their database, but XXXX  and TransUnion continue violating the FCRA guidelines by continuing to ignore this evidence and the ID THEFT POLICE report. 
There can not be a discrepancy on information between the credit bureaus. Please delete immediately to avoid litigation.
Consumer complaint received 2018-02-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc. (LA)

This collection agency has been reporting my collection as an open account and reporting monthly late payments as an open account instead of a collection account in order to maximize damage to my credit report. I have disputed this several times through the collection agency and through the credit bureaus. This account should be removed from all credit reporting bureaus as it has called me measurable damages from negative credit decisions that can not be over turned.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sirs, My name is XXXX XXXX and I address you with regard to the XXXX  payment transaction that has been made by me on the basis of Loan Agreement on XX/XX/2022 from my account at XXXX XXXX XXXX to mainland XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and is currently on hold by Bank of America N.A. New York XXXX ( XXXX ). Remittance department of XXXX via my XXXX of XXXX asked me several questions sent by the specialists of Bank of America which I have answered. It happened XXXX times, gentlemen were satisfied with my answers and new questions were not asked since then at all. I have provided all required documents. I have tried to get in touch with the BOFA 's branch in NY by phone, but I was told that I was not the client of the Bank and nobody had an intention to talk to me. XXXX XXXX XXXX XXXXXXXX has sent XXXX ( XXXX! ) inquiries after XX/XX/XXXX asking where are the funds ( USD XXXX ) and what is the reason of such an attitude, but there is no answer from BOFA. 
My XXXX XXXX has sent me reference number which they use communicating with BOFA : XXXX Please kindly check the current status of the transaction and the reason of its postponement. 

Thank you very much! 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX e-mail : XXXX XXXX
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (MD)

On XX/XX/2020, there was a hard inquiry made on my credit report from US SM BUS ADMIN ODA. I am not a small business nor have I ever applied for a small business loan for disaster recovery due to COVID like online sources say this would be for. I followed all directions of Experian and would like this removed as it also impacted my credit report negatively. I have a fraud complaint pending with OIG also for this issue.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently contacted Experian about an account that is supposed to be removed from my credit report, when I called and spoke to a dispute XXXX  I informed them about the account and told them that a had received a notice that the original credit Co sent Experian a request to remove the account and I had upload the proof to my dispute online. The person then told me that when they contacted the company they certified to Experian that the information was correct and the account would remain unchanged. I then ask for the proof that they were given to show that this account was mine and was then informed that they don't do that and it wasn't part of their job to provide evidence ... I ask the person so what are you going by that this account is actually mine and was told that's what the collection agency told them I owed them money. I was then hung up on after waiting for 45 mins on hold to speak with someone else. This is the 3rd time I have disputed this account and it will be the last before taking further legal action. I will upload the documents for you to see thank you.
Consumer complaint received 2020-06-12
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-04-13
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. (TX)

I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.