davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

XXXX XXXX XXXX and XXXX XXXX did not at anytime send me an invoice, but has instead reported on credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, VA XXXX Phone : XXXX Both of the incidents involved after care/ XXXX   XXXX. I lost my employment and had 0 insurance at the time and due to diagnosis of XXXX follow up care is mandatory. 

This coincides with present complaint ( XXXX-XXXX ) I filed against XXXX regarding their not honoring XXXX XXXX. In that case XXXX waited 2 years for me to return to work and then immediately filed a judgement against me. To date I have not received any information regarding that complaint nor have I been refunded {$9300.00} XXXX XXXX XXXX states since XXXX went back and disallowed the XXXX XXXX 2 years after the service then there policies state they will not honoring the XXXX XXXX either and given the date of service ( XX/XX/2016 ) their policy is to place for immediate collection and report on credit bureaus. 


The practice of waiting for 2-3 years and not honoring their own XXXX XXXX policies and randomly billing years after the fact is very underhanded.
Consumer complaint received 2017-07-02
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. (PA)

Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX XXXX Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XX/XX/XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5  years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Consumer complaint received 2022-03-13
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. (NC)

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and equifax everytime the dispute results come back verified. Either company investigated my dispute for XXXX auto Finance or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for XXXX and XXXX XXXX about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX auto financial and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NV)

In XXXX XXXX we were working on doing a cash-out refinance to pay of credit cards amongst other things. So the finance company wrote out checks to all the creditors and we verified their mailing addresses and sent out the checks. The only one we did not send was the XXXX Jewelers as we had more than paid the amount owed of {$4800.00} and some ( {$5400.00} ). The {$600.00} was returned by XXXX as it was {$7.00} dollars short of the total and eventually paid the collection agency XXXX XXXX XXXX  ) {$610.00} on XX/XX/XXXX. The check for credit one was sent out and when I check what happened to check it was received by XXXX but somehow ended up at a XXXX XXXX bank where it disappeared ( checking with XXXX XXXX tomorrow why a check with the payee name of XXXX XXXX was cashed or deposited at their branch and not to the account written on the check itself ( as requested by XXXX XXXX  ). So now we have to collection agencys that have the same XXXX XXXX XXXX  contract which was paid of in full on XX/XX/XXXX to XXXX XXXX XXXX Now I have a company called Cavalry Spv 1, LLC coming after me for the above mentioned XXXX XXXX
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I noticed that an account XXXXXXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX/XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Consumer complaint received 2022-03-13
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 — Investigation took more than 30 days
Company: CMG MORTGAGE, INC (GA)

Im filing a dispute with CMG financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to CMG financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to CMG financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX2022 and my grace period of 60 days has not expired. I made a payment to CMG financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. CmG financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NC)

Five cards apparently fell from my wallet last Wed XX/XX/XXXX. I was notified first by XXXX ( XXXX   Mastercard ) that a transaction for {$4500.00} was attempted. They asked if I had the card ... and at that time I realized I did not. I noticed I was missing the five cards.. ( four credit cards and my Fidelity Debit card . The perp attempted with all four cards this transaction.. {$4500.00} ... at the XXXX store here at XXXX XXXX . All were rejected. Then they used my Fidelity VISA debit card ... without my pin.. ( apparently as a " credit card '' and the transaction cleared ... debiting the amount from my checking account. They then took the card to XXXX XXXX and made two additional purchases ..about $ 2K additional. 

So I am out over $ 6K now ... from a card I thought was supposed to be protected by my pin ... but was not. So that is my first issue. 

Then when I call the number on the card I am directed to the Fidelity Card Services team..they route me to the fraud department, that tells me that they will investigate and get back to me by mail in " 8 to 10 business days '' with a decision. 

I am concerned that this is not at all what I expect from the VISA brand and so search " Visa Debit liability '' .. and get this page from VISA assuring me that I should have no worries and that the financial institution will replace the funds within five days. 

XXXX XXXX XXXX This is directly counter to the " 8 - 10 business days '' that Fidelity 's team quotes me. I call back each vendor ... Fidelity shared that this is not their issue., that if I see this on Visa 's page I should take it up with Visa. Visa call center rep tells me that the page is not " false advertising as there is a phrase " for specific limits, consult your issuer '', at the bottom of the page. I am incredulous that he would make this statement ... as Fidelity is a major issuer ... so the rest of the claims on this page are patently false!

Please correct the false advertising of VISA ..and/or ensure that Fidelity step up it's service level to match what VISA is conveying as their expected service level. This is clearly deceptive advertising by both and a great dis-service to a once loyal customer to both firms.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. 

I have made several attempts to report, however, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

I was on automatic payments. The last payment bounced because I was away and did not have the money in my account. Citi Visa cancelled my card in XX/XX/2021 after having this card for over 10 years. Because they cancelled it in XXXX, I was not entitled to my end of year rewards totalling over {$1400.00} because I did not have the account at the end of XX/XX/2021! If I had not been on automatic payment at the due date, Citicards would have rolled over my balance and I would have paid interest on the unpaid balance. Instead, they cancelled my card completely just before I was to receive my bonus payment for all my transactions that occurred during the year. This was an arbitrary judgement on their part. I want them to pay me my bonus due at the year end and reinstate my credit card.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (LA)

I had a balance of {$390.00} dollars in my account on XX/XX/XXXX. I received an Ins. Check for {$2200.00} and deposited into my account on XX/XX/XXXX. The bank rejected the deposit and then withdrew an additional {$2200.00} from my account creating a negative XXXX. I expected the bank to catch their error and fix my account. However, on XXXX I received a letter from the bank notifying me of a - {$1800.00} balance. I contacted the bank and after being on the phone with the bank for over 2 and 1/2 hours they stated they would correct their error. I filed a complaint, complaint # XXXX and am still awaiting contact from the bank. 

I received another notification on XXXX that I had a negative - {$4100.00} balance. I again contacted the bank and after another 1 1/2 hours was provided a Case # XXXX but still the bank has not corrected their errors. 

I am filing this complaint as it appears that the Well Fargo banking system is systematically on rejected deposits " double dipping '' the amount creating negative balances and generating additional fees for the bank. I suspect that this is being done to many customers.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX  accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. XXXX, XXXX, and TransUnion do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.
Consumer complaint received 2022-02-18
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. (MI)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2019-06-06
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)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

My mortgage was sold to Carrington Mortagage in XX/XX/2022. We had a 60 day window to make our mortgage payment with them and we were closing on our home on XX/XX/2022. The full mortgage balance was paid on XX/XX/2022 and Carrington is reporting on my credit report a 30 day late payment. The payment was not late and when I call Carrington they tell me it wasn't late but it's still reporting on my credit as late.