davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXXXXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, Equifax, XXXX and XXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.
Consumer complaint received 2022-11-06
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. (MO)

So I currently purchased credit repair software and I ran my credit report instantly. Upon examining my report I found a few mistakes. Those mistakes being my name being misspelled, my address not being up to date and current employer not being correct as well. Knowing that these credit bureaus are responsible for millions of people inform and also knowing that they have ha habit of making plenty of errors on peoples credit report. I thought that disrupting these error would be the correct move to make.I sent my disrupts out on XX/XX/2022 and I have yet had any help with removing this information. Can you please help me?
Consumer complaint received 2023-02-09
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. (TX)

There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX  Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, XXXX, Transunion XXXX XXXXXXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (NC)

Purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XX/XX/XXXX with my score was XXXX Flagship Credit Acceptance LLC got me paying {$570.00} WITH NO CHANCE OF REFINANCE or lowering my XXXXXXXX XXXX XXXX interest. After I had a XXXX XXXX XXXX from XXXX XXXX XXXX ( no money down ) for $ XXXX month that was never approved for XXXX  months because I'm XXXX XXXX
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

I have a delinquent mortgage derogatory mark on my account. The account I had was with XXXX XXXX XXXX. It was then sent to Midland Credit Management ( XXXX  XXXX XXXX  ) with a balance of {$860.00} which paid in full before the requested date of XX/XX/XXXX. The original charge off date was XX/XX/XXXX.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc. (SC)

Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX where they stated they couldn't find remarks I was looking at on my report. You are thieves!
Consumer complaint received 2020-09-29
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. (FL)

I purchased a new vehicle in XX/XX/XXXX and financed through XXXX XXXX. 
At the time of purchase, I included a GAP insurance policy. This vehicle was involved in a collision on XX/XX/XXXX and determined to be a total loss. I started the GAP  claim immediately and communicated with all parties. 
I was sent a bill from XXXX XXXX for {$760.00} in XX/XX/XXXX. Working with the GAP  insurance company, we were able to determine that the amount corresponded with the expected prorated refund from the GAP Policy. The dealership, XXXX XXXX XXXX in XXXX had cut a check to the lender for the prorated remainder of our extended warranty, however mistakenly did not include the prorated remainder of the GAP policy. They acknowledged the error and indicated that they would resolve this promptly. 
I was sent another bill from the lender for {$760.00} in XX/XX/XXXX. I communicated directly with XXXX XXXX and explained that this amount was to come from XXXX XXXX XXXX, and indicated that I would follow up from them. 
The COVID-19 pandemic caused some issues, as the finance manager at the Dealership who needed to resolve this started working remotely, and there was apparently a great deal of chaos. I communicated with XXXX XXXX numerous times updating them on the status, and indicating my concern that this could have an impact on my credit. A representative from XXXX XXXX assured me that there was no reason for concern, and told me that it would all be dealt with once the account was paid off. 
The dealership finally paid this amount to the lender in XX/XX/XXXX, leaving a balance of {$34.00}, which I paid immediately. 
The account, now closed, is reporting a charge-off status, and severe delinquency for the amount owed to the lender from the dealership. I have contacted the lender numerous times and they stated that the account was in good standing as far as they're concerned. They advised me that the department that handles these matters does not speak to consumers directly, and further advised me that I should proceed by filing disputes with the three credit agencies. I have taken the latter action, however upon conclusion the delinquency still shows on my credit reports.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (NY)

There was no indication on credit report that this debt existed. There was no letter from collector or original lender to suggest this debt existed. 
15 years after the last payment was garnished from paycheck and the amount climbed in interest charges. 
Balance paid with slightly reduced settlement but still exceeded the interest charges. THERE WAS NO COMMUNICATION FROM THE LENDER
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (CA)

The gift card was issued XXXX this year and I discovered today it expired XX/XX/XXXX this year. {$140.00} was invalidated. According to CFPB gift card funds need to be available for 5 years ( https : XXXX ). I called the company and the answer is no replacement card will be issued.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had several items to dispute on my credit report with supporting documentation. I started the dispute online and was only able to upload 3 items. Once I logged back in to upload the rest of my supporting documentation, I was locked out of the dispute center. I called in to customer service and was advised that I would now need to mail in the items. I proceeded to mail in the items USPS express mail and paid {$25.00} for this service. I was told the information would be reviewed within 5 days of receipt. When I called back in to check on the status. The package was delivered on XX/XX/XXXX, but I was told that I would have to wait until XX/XX/XXXX for a status on the disputes. On XX/XX/XXXX, I received a response to the disputes in the mail, but it was in XXXX. I will attach this letter for review.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was rebuilt for two to fraudulent transactions one in the amount of {$380.00} and the other one in the amount of {$150.00} and these two transactions a Fraud a Capital One/Walmart have failed to dispute these two transactions they holding me responsible for some fraudulent transactions and I need this to be rectified after I have tried to to no avail resolve this with capital one
Consumer complaint received 2024-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (FL)

I understand it is illegal for debt collection companies to leave robo calls on my voicemail which is what this company does often. I have unfortunately deleted most of the voicemails until I was informed to keep track of them and report them. I do have the last XXXX voicemails. Ive attempted to tell them to stop calling on many occasions but there isnt even a real person on the line to communicate this to.
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (IN)

Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..Acima employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately
Consumer complaint received 2020-06-19
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. (PA)

This company refuses to remove fraudulent information on my credit report I submitted my identity reports XXXX  XXXX XXXX removed the fraudulent charges except for Experian seems to have a problem with removing the information off my credit report I will also send over proof that the other two Credit bureaus remove those fraudulent accounts except for Experian.z
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

Kraken site hacked and funds stolen with no recourse or support. 

On XX/XX/XXXX, I received an email from Kraken ( Crypto Exchange ) that someone was requesting to change my password. I hadnt logged in in months so I contacted them to say this wasnt me and over the next 3 weeks I had to send photos and other information proving who I was to regain access. On XX/XX/XXXX I was informed by Kraken Support that my account was now unlocked but trading and funding was still locked out until I deleted any withdrawal addresses I didn't recognize. 

Upon completing all the direction, I found that the address they asked me to delete was the address that all my crypto had been sent to which I had still not been informed of at that point. When I asked about my funds before then, I was repeatedly told my account would be locked until i deleted all the addresses I didnt recognize, now I realise I was being asked to delete evidence. I took screenshots before deleting and will attach to this report. Once this was complete the Kraken support staff said they could not do anything further and there was nothing that could be done by anyone to find the money. I asked them to send me the I.P. login info and that took another month for Kraken to final provide. It turns out 4 withdrawal were completed on my Kraken account in 2 mins so it was clearly the target. 

If there is nothing that can be done fine, but Kraken were hacked not me and then were very difficult afterwards, so I want at minimum this posted for others to be warned. The staff avoid responding, I dealt with several ppl throughout the process as the cases would just get marked as solved on their end just by them sending a response to my question. I hadnt checked it in months but I dont think I had a lot of money in there but others do and should be careful of Kraken.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2020-06-19
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. (TN)

EXPERIAN HAS RELISTED ACCOUNTS THAT WAS REMOVED FROM MY CREDIT REPORT THESE ACCOUNTS ARE FRAUDULENT ACCOUNTS THAT WAS NEVER OPENED BY ME IN THE FIRST
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (IL)

I made a payment on my Total Visa Card on Friday XX/XX/2020 at XXXX XXXX  with my debit card. Total Visa failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because Total Visa failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at Total Visa by the name of XXXX agent ID XXXX. She pretty much said Total Visa terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. Total Visa Card reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to Total Visa reporting inaccuracies.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (TX)

This company has charge an exorbitant amount of fees double and triple the amount of interest on top of the loan also during the pandemic they had notify the credit bureau that my account was late and this account shouldve been protected by the pandemic they have reported late payments on my credit bill that needs to be fixed accordingly to a circumstance not controlled by me also those fees thats on top of the long thats double and triple need to be adjusted in go to the appropriate amount they are robbing me as a customer
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

I gave access to a person. I found out they were stealing. I had my son who is on the account to shut the card off. He went to the bank and told them to shut the card off it was fraudulent. They did not shut the card off. There was XXXX more dollars stolen. I believe I am owed the money plus interest for that money.