davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX   negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX  ) and opened XX/XX/XXXX ( XXXX XXXX  ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Dear Sir/Madam, There is a debt collection from the XXXX XXXX XXXX, wakefield & associates on my credit report.They changed their name to XXXX XXXX XXXX, wakefield & associates on my credit report for reasons I don't know.They claim i owe them the following : 1 ) {$770.00} for emergency service, open date XX/XX/XXXX initially {$770.00} 2 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 3 ) {$530.00} for emergency service, open date XX/XX/XXXX initially {$520.00} 4 ) {$1200.00} for emergency service, open date XX/XX/XXXX initially {$1200.00} 5 ) {$580.00} for emergency service, open date XX/XX/XXXX initially {$580.00} They keep changing the amount of money they claim i owe them on my credit report.There was initially 7 debt collecions accounts on my credit report but 2 were deleted by XXXX after i filed for the 1st dispute.Those debt collections deleted were : 1 ) XXXX XXXX, XXXX XXXX {$760.00} for ambulance service open date XX/XX/XXXX 2 ) The XXXX XXXX XXXX, wakefield and associates {$110.00} for emergency service. 
They were paid for every visit and service they gave me by my insurance company ( XXXX XXXX-Medicaid ) .I contacted my insurance company about the issue and they promised to mail me payment receipts which i will then mail to XXXX so that they can delete the 5 remaining debt collecitons accounts on my credit report .They claim they were not paid by insurance, but that's a lie. I filed for a 2nd dispute but iam not sure if that will solve the issue.I will have to file for a 3rd dispute if XXXX  does not delete the remaining debt collections accounts on my credit report.Iam expecting the payment receipts from my insurance company within 30 days from now. These are people who are ruining my name and reputation so that they can jeopardize me.Here is their contact information as it appears on my credit report for the 5 remaining debt collection accounts, if you wish to contact them : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX You can call my insurance company and ask them about the issue.You can contact me on XXXX or my email XXXX.
Consumer complaint received 2018-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL   negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
Consumer complaint received 2018-08-23
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)

The following credit card accounts have an incorrect balance. All the accounts have a XXXX  balance.

1. XXXX XXXX XXXX  Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2. XXXX XXXX   Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX XXXX Reported XX/XX/201847 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported :XX/XX/2018 {$600.00} Good These account below have a incorrect balance.

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2. XXXX XXXX XXXX Last reported : XX/XX/2018{$9200.00} Good 3. XXXX  Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on.

AUTO LOANS 1. XXXX XXXX XXXX   Closed : XX/XX/2018 {$28000.00} Closed
Consumer complaint received 2018-08-23
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. (TX)

The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX Reported XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX Reported XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed
Consumer complaint received 2018-08-23
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: Ability Recovery Services, LLC (NY)

This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.
Consumer complaint received 2023-03-22
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. (OK)

My XXXX loan servicer changed, and the resulting transfer ( which was outside of my control ) resulted in a negative adjustment of XXXX for one credit bureau and XXXX for another. My credit should not be penalized for a decision that was made outside of my control.
Consumer complaint received 2022-03-08
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. (CA)

I am requesting an Investigation to a XXXX XXXX XXXX for DEROGATORY information they have placed on my Credit Reports for 4 consecutive years I bought a XXXX XXXX in XXXX, paid the car for 3 years in the amount of {$440.00} and in XXXX, I had a accident and the car was Totaled by XXXX XXXX. The Insurance PAID XXXX XXXX the balance owed in the amount in excess of {$7600.00} and closed the file. 

I received a call from a Representative of XXXX XXXX who said the Balance was paid off and XXXX XXXX covered any residual balances. 8 months into the year, as I was checking my Credit File, I noticed a {$2400.00} balance reported on my Credit Files by CXXXX XXXXce ... .I called and ask what the balance was for, the Represented said it was residual balance from that XXXX XXXX and it could be settled. I told them XXXX and XXXX  PAID OFF the car as they - XXXX XXXX XXXX confirmed it in XX/XX/XXXX. 

While I continue to keep an eye on my Credit File, one Blessed Day I generated my Credit Reports and noticed the XXXX XXXX had climbed from {$2500.00} to {$9900.00} without any notice or supporting documentation from XXXX XXXX quantifying the balance ... .No Statement, No Reports, Nothing. They have been reporting this BOGUS Balance since XXXX as LATE PAYMENT FOR A CAR I DON'T HAVE. I have repeatedly asked XXXX XXXX XXXX if the {$9900.00} was interest, NO ONE from this Company can explain to me .... 

I reached out the California Attorney General 's Office and reported this matter, and they reached out to the Attorneys at XXXX XXXX XXXX. One of the Attorneys agreed on a Settlement Amount of XXXX for me to pay, which I did on XX/XX/XXXX via my Debit Card. As of XX/XX/XXXX EVEN AFTER THE {$1900.00} PAYMENT, Credit Acceptance IS STILL REPORTING my Account as LATE in the amount of {$9900.00} I want XXXX XXXX to DELETE ALL 60 months of DEROGATORY Reporting from XXXX XXXX going back to XX/XX/XXXX to date i.e. XX/XX/XXXX. MY XXXX SCORES have been damaged PERMANENTLY because of Credit Acceptance. They have continuously reported INCORRECT BALANCE which can not be quantified or verified Please help me resolve with this Company which has a reputation to RUIN LIVES and CONSUMER FILES ... ..THEY HAVE BEEN SUED by several Attorney Generals including Massachusetts because of BAD BUSINESS PRACTICES just as I'm facing today Thank you XXXX
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had credit score of XXXX on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for capital one credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XX/XX/XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point
Consumer complaint received 2021-12-05
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: EQUIFAX, INC. (TX)

my information has been used since I was child since XX/XX/2008 I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & inquries XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX all this is for
Consumer complaint received 2018-05-07
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: EQUIFAX, INC. (MO)

report number XXXX account summery : XXXX EQUIFAX XXXX I HAVE BN. SEENDING LETTERS TO EA.COMPANY THAT THE AVERAGE ACCOUNT AGE : 2YRS ... .. 9MO.

OLDEST ACCOUNT : 8YRS. ... ... 20 I CALLED AND ASK TO REMOVE THOS OF MY CREDIT REPORT .NEVER HAD THEM .I LIKE TO KNOW WHAT ARE THY FR. I WANT COPIES OF THES LOANS ...
Consumer complaint received 2022-07-25
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: AMERICAN EXPRESS COMPANY (AZ)

Recurring charges on my American Express credit Card. Called A.E. my cards was being charged by XXXX for computer security that I never had knowledge of. I requested to cancel my card. A.E associate asked me not to cancel but he would report it stolen. He assured me this would never happen again if I received another card with a different card account number. Well, a few months later another charge form XXXX ( Computer Security ) I never had no knowledge of on my account. When I called A.E. again they told me they do it as a courtesy! Come to find out this has been the third year for this charge. I have never purchased XXXX or XXXX in my life. Pay all my purchases except the XXXX Charge and closed my Account! They got me for over {$400.00}. I told them NO more after the first call!! And they did it AGAIN after I said NO!!!! American Express reported me to the Credit Bureau. I had an American Express XXXX Card close to 40 years.
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks now but I just remembered I could report on here aw I feel they are not doing their job properly and it is XXXX me a grey deal as I used for talent quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-23
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. (PA)

For almost two years I have made payments on time to XXXX XXXX XXXX for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to XXXX in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified XXXX that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. XXXX received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (GA)

This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately. 

Please reference my original complaint CFPB case # : ExperianXXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXX XXXX, Acct # : XXXX* 3. Original creditor is XXXXXXXX XXXX  - Acct Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX ; 4 . Original creditor is XXXX XXXX XXXX  XXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX XXXX Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.
Consumer complaint received 2018-08-22
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: M&T BANK CORPORATION (GA)

I do not recall paying my M & t mortgage 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to m and t. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX  and XXXX.   This has caused lot emotional stress. Please assist with this 30 day late removal.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit bureau reported a collections account " XXXX XXXXXXXX XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXXXXXX XXXX  XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Consumer complaint received 2018-08-22
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: CITIBANK, N.A. (FL)

I ordered 2 truck doors from an online seller. The online seller said he only accepts XXXX and told me I must use the friends and family method thru XXXX. I did not know any better since I never purchased anything thru XXXX in this manner. The seller turned out to be a scammer, because if I used the regular XXXX  method he would be required to reimburse me the funds I paid him if I complained. Since he scammed me using this XXXX method, I filed a dispute with Sears credit card since this is the credit card attached to my XXXX account. These truck doors are very heavy and cost me almost {$200.00} to have shipped. The doors I ordered were not as described, they were in horrible shape and had rust holes everywhere. He took the pictures as to not show any of the defects and his online add said they were 99 % rust free and he even told me on the phone that these doors were in excellent condition. 
Sears said I had to return the doors to get a refund, I tried to explain to SEARS that this wasn't some small package that cost {$5.00} to return, that it was a very large item that would have to go truck freight and would cost about {$200.00} to ship. I've already paid {$200.00} to get them shipped to me. Since the online seller deliberately scammed me by selling me something that wasn't as described, the seller should pay for the shipping. I told SEARS they should be defending me, since I am their customer and have been an upstanding customer for many years. Instead, SEARS took the side of the scammer and insisted I pay for the shipping. I argued this point with SEARS over and over but they insisted I return the doors. When I contacted the seller/ Scammer and said I was going to return the doors, he said he was going to refuse the shipment and said he told me they were sold as-is. When SEARS called him, he told SEARS he would accept them back, but tells me he will refuse the shipment because I gave him a bad review. You see he knows how to work the system. I paid {$660.00} for the doors plus almost {$200.00} for shipping. why would I ship them back to satisfy SEARS knowing he won't accept them and then Id have to pay for shipping back to me again. If I did that, I'd be out for almost {$600.00} in freight charges plus the {$660.00} I paid for the doors. I am stuck, please help, SEARS is being unreasonable.
Consumer complaint received 2018-08-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.
Consumer complaint received 2018-08-22
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: EQUIFAX, INC. (NY)

Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.