davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Management Recovery Corp. (NMRC) (TX)

I received a call from my employer stating someone has called and stated they would be filing fraud charges and suspend my license if I didnt make contact with them I was given the number XXXX I called that number and was speaking to a gal named XXXX at XXXX and she stated that they were a law office representing XXXX XXXX for an unpaid debt That I needed me to pay XXXX or face the consequences When I told her I couldnt and that I needed to make arrangements she then stated I needed to call the party who sent them the file That party is National Management Recovery at XXXX and that i needed to do today or they would be serving me Friday XX/XX/30 I have called them and they do not answer or return calls My issue is they called my job and told some random coworker my business and told them they would file charges and suspend my license
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (CA)

I sent a letter to the credit bureaus and the creditor on XX/XX/XXXX which was received by certified mail XX/XX/XXXX. I never got a response all I see is that they changed my account status to open and show a monthly payment frequency. Thus account is closed and being disputed for accuracy. They never sent contract or to show proof this ia my account all they do is say it is verified. Consumer portfolio services updating my account to show open with monthly payments is a direct violation of my FCRA RIGHTS. also the credit bureaus who allow them to show account charged off but open is in accurate reporting and also a violation of my FCRA rights. They both can be sued for each violation they continue to make. I have multiple certified letters asking for all documents for this account. After this step I will take legal action against them and the credit bureaus for abusing their reporting authority in a defaming way towards me. I will be seeing for each individual violation which is {$1000.00} per error according to the FCRA.
Consumer complaint received 2021-07-28
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

" Wellman Weinberg and XXXX XXXX XXXX '' has called me several days in a row about collecting a debt I do not have with them. I do not have no contracts with them, no written agreements and I never done business with these people whatsoever. The number they call me from comes up as unknown then shows the following contact number : XXXX, I find this suspicious and troublesome. Is there something the Consumer Financial Protection Bureau do to stop this.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The companies involved is XXXX XXXX and Transunion. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I do not owe the amount of {$410.00} as of XX/XX/2019 I've disputed this debt several times with this company, but it was under a different name. I've tried to resolve this debt by showing proof of validation, but no avail. I need proof of validation from this " new named '' fraudulent company.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2021 I gave Capital one my Checking and routing # to make the payment of {$270.00} which was the balance on my credit card. They waited until now to send me something in the mail saying that the payment didn't go through and that there was an issue with the checking and routing #. My complaint is that they should have called me as soon as the payment didn't go through, not only has my credit suffered due to there neglegance but they have doubled the price that I owe them, making it now {$410.00} I am a United States Veteran and I haven't been late on payments in years. My hopes are that Capital one will reverse the late payment claims on my credit report and erase the extra amount that they have added on to the {$270.00} I intend on paying {$270.00} but anything over that I do not want to pay.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (WA)

On XX/XX/2021 unemployment deposited {$15000.00} into my ( XXXX ) Card.com account. Also, on XX/XX/2021, they deposited {$1000.00}. Totaling {$16000.00}. However, it has not shown up in my account. Several times I have called the company, and they claim they have not received it. Unemployment states it was not returned to them. So, after numerous calls, Unemployment gave me this number to call your company for help.
Consumer complaint received 2021-07-28
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: GOLDEN 1 CREDIT UNION, THE (CA)

Golden one has still not addressed the issue properly as a business institution should. There have been claims that my story has changed which again is falsified information. My story never changed. It has been stated that I was given multiple reasons why my claim was denied which again is incorrect. My claim was only denied based off of speculation on where the card had been used. So I need documentation and proof of evidence stating exactly why my case was denied and the evidential factors as to why my case was denied. I have filed a police report in this matter and need sufficient reasoning as to why my case has been denied. Extensive research was supposedly conductive but during this research XXXX stated I used my credit card at an ATM which again was false information. She was adamant about this and stated I had been using my credit card at the ATM which let me state again never happened. So I have been targeted by XXXX which what seems to be a personal vendetta during this claim investigation rather than any help what so ever and shes suppose to be a manager. Very disappointed in Golden 1 and how this claim has been handled. Golden 1 even makes false claims on their website stating members have zero liability for fraud. So yes I need a letter and documentation of the evident golden 1 claims they have on this claim which should be no problem for them since they conducted extensive research. Type it in a letter in depth and with great detail. Thank you.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: R & B Corporation of Virginia (TX)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-07-28
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (AZ)

In XX/XX/2021 I was hit with a late payment from XXXX XXXX  on a student loan. I have had autopayment on for this account since its creation. I had 18 months of autopay that didnt have a single late in all of that time. XXXX came around and for some reason this autopayment was shutoff. At the end of the month I was called by a collection company requesting this now 30 day late payment. After receiving this call I was in shock since this was always on autopay. I called XXXX XXXX  to ask why the autopay was turned off, instead of getting any help on the situation the customer service rep just stated that I needed to be more careful and keep an eye on the account. I stated that the minute I was made aware of this issue I sent the payment in within minutes however they stated removing this late would be lying to the credit reporting agencies and that nothing could be done.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Consumer complaint received 2021-07-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (WI)

This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.
Consumer complaint received 2021-02-05
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. (TX)

XXXX continues to report a debt that is not mine. Due to this fact XXXX has stated that they will no longer attempt to collect on the alleged {$550.00} debt. However they have not removed it from my credit report. I never authorized this account. This is not my debt and in accordance with the FCRA this should not remain on my credit report.
Consumer complaint received 2019-02-13
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: EQUIFAX, INC. (FL)

I received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.
Consumer complaint received 2021-07-10
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. (NV)

I called XXXX  and Transunion and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both XXXX  and Transunion seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by XXXX  and Transunion.
Consumer complaint received 2021-03-23
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)

There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Special Financing Company, LLC (LA)

I 've disputed the inquiry from PARADIGM ACCEPTANCE on multiple occasions asking for verification from them since they are the ones reporting on my Credit file to  XXXX  for physical verification this inquiry was in fact made by me. I 've not been provided proof and the company is still reporting.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While XXXX  and Equifax have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a single mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. 
These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. 

The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! 

XXXX XXXX in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}
Consumer complaint received 2021-07-28
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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In XX/XX/2021 a payment was sent out for a car payment, First National Bank claimed to not get it. I sen out a double payment for XXXX and XXXX at that time. This was about the last week of XXXX. Then they claimed to have not received that check. So I then took my payment to a branch myself. Literally 3 days later magically a check that was lost for almost a month plus the double payment check were cashed. Luckily I was smart enough to stop the bigger check because otherwise they would have had 5 months worth of car payments. Even at that time I got a letter for stopping payment on the check stating my account would be passed due. None of this was anything I caused, yet they reported I was 30 days passed due and also tried telling me J owed for the next month when they decided on their own to just put the extra money they got onto the balance as extra. I don't think my credit should suffer for something an employee at First National Bank did. They need to keep better track of their checks when receiving them in the mail. 
You can see by my report my payments aren't late normally.