davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a fraudlanlent invstigation on XXXX  XXXX account. I called XXXX  XXXX and reported it they stated the account balance is currnet a XXXX. So I report the fruadulant complaint to all creodt bureaus and the credit Bureau of XXXX, Transunion and XXXX  chnage the balcnae to maximum XXXX out of a XXXX credit limit because. XXXX  XXXX stated the account balance was XXXX in XX/XX/2020 and {$0.00} XXXX since XX/XX/2020. However, XXXX  and tranasunion change the balance from {$0.00} blance to XXXX on XX/XX/XXXX after I requested an investigation. I shouldn't be placed with inacurate balances to decrease my score by XXXX points related to an investigation. I have a balance letter from XXXX  XXXX stating {$0.00} balance
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I paid my total credit card purchase and now XXXX credit card are billing me with interest for not paying. 
I called XXXX credit card and I have the receipt that I paid my total debt owed! 
Macys credit card still charging me with interests!
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I had 2 separate credit card payments due to Capital One. I paid both payments late, but before they were 30 days late. I was forced to pay the minimum amounts due, because my mother suffered a tragic death on XX/XX/XXXX, two days before my payments were due, and I was very busy making necessary arrangements for her funeral and subsequently am still handling her affairs, now. 

When I made the minimum payments due, apparently the minimum payments were {$1.00} and {$3.00} short, because additional interest accrued on the accounts 3 days after the minimum payments were due. Capital One is reporting each account 30 days late to my credit bureau. One 30 days delinquent by {$1.00} and the other account 30 days delinquent by {$3.00}. 

I received a Capital One Credit Wise alert to advise me that 2 of my accounts were 30 days delinquent and my credit score had been affected by 156 points. I was mortified. I then logged on to verify what the problem may be. When I realized the amounts of {$1.00} and {$3.00} were being reported delinquent, I thought it must have been a mistake. I called Capital One, immediately. After speaking with several reps, they were unable to locate the delinquent accounts and sent me on a wild goose chase insisting that it must be " some other credit card company reporting the delinquency because Credit Wise reports all credit card accounts. '' After spending hours calling every credit card issuer I have, I realized no other credit cards were delinquent and I called Capital One back. This is when a supervisor, the second supervisor I spoke with, advised me that yes, the two accounts were delinquent. One in the amount of {$1.00} and the other in the amount of {$3.00}. I asked if there was anything I could do to have the delinquencies removed, because it was affecting my score by 156 points. It was my first 30 days delinquency, ever. They said " no. '' Just " no, '' and refused to assist me in any way. I hung up and called back only to receive the same answer. I spent considerable time making 5 calls into Capital One, and the representatives were condescending and obnoxious. I have since paid the {$1.00} and {$3.00} oversight, but they refuse to correct the mistake.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I pay the. Mortgage the last week of the month. This company starts calling everyday all day after the XXXX. They have no respect for my work when I tell them I'm with a client. I have to hang up on them. I have never missed a monthly payment in the month. Now it's 25 days in I get a letter I'm delinquent and they added additional fees outside of the {$50.00} late fee.rhis This is a strong arm tactic. You can even report until you are over 39 days late. Is this legal when a late fee was established. This is occurring because I don't answer calls. Ic they can just add crazy fees how are individuals protected
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report, and it showed several hard inquiries that I do not know of ever authorizing. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Item No. Creditor Account Navy FCU DATE OPEN XX/XX/XXXX, XXXX XXXX  DATE OPEN XX/XX/XXXXXXXX XXXX XXXX  DATE OPEN XXXX XXXX  XXXX XXXX XXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX AND XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please have these unapproved inquiries removed from my credit report, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have repeatedly tried to get my free credit report and freeze my credit report which Equifax has repeatedly denied. 

XXXX2020 I initially FAXED my Texas driver 's license and SSN card to Equifax as required after denying to issue my annual free credit report - their response was to send a denial letter stating I had to prove I had an old PO Box address my father used which was no longer valid. 

XXXX2020 After a second denial letter not allowing me to see my own credit report and not allowing me to freeze my report I sent a certified letter indicating my current correct mailing address on my Texas Voter Registration card issued by the Texas Secretary of State and my driver 's license as well. As stated in my letter I am refusing to send my SSN to Equifax again as every time I do I risk suffering ID theft like already happened to one of my family members.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I tried filing a dispute on Equifax website. Took me a few different times trying to access my free report and finally it gave me an error message stating they needed me to call them direct in order to verify my info. After I called and verified my info they were able to start my dispute over the phone. I explained I needed help with gaining access to their website so I could keep track on my own the process and final results of the investigation. I was told at that time there was no one who monitored the website to help me gain access ( Which what was offered on the error page ). They disputed EVERYTHING on my report even my car payments that I make each month that did not require nor did I want disputed. Today I received an email that the investigation was complete and I needed to log in and obtain my report. I again tried to log into their site and again was not granted access so I called. They verbally gave me the results but said I needed to pay for my new credit score. I explained I was told on their site that I would receive an updated credit report and score once the investigation was complete. They refused to provide me with my new updated score and stated I needed to pay for the service. I explained to the lady I was told it would be provided directly after the investigation and that I did not feel comfortable paying to use their site that I could not get access to she refused and after I asked to speak to a supervisor she refused to let me speak to one and then transferred me to a survey which disconnected me directly after. Equifax has MY credit file and are responsible for a large portion of my lively hood since credit plays a HUGE factor in my ability to obtain credit based on correct information and score they are responsible of keeping track of. Not allowing me to gain access to that information and denying me my right to have the information is completely unacceptable. No one should hold that much power over me without the right to obtain the information and have access to it.
Consumer complaint received 2018-11-01
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. (GA)

I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - XXXX DATA BREACH ... 

^^^^^^^^^^XXXX IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Credit Cards XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15.U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragragh ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) XXXX.
Consumer complaint received 2019-04-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have no knowledge of these two USAA delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below Usaa XXXXxx Usaa XXXXxx
Consumer complaint received 2022-02-19
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. (GA)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
ENHANCED RECOVERY CO L ( Original Creditor : AT T ) XXXX Balance {$570.00} Kohls/Capone XXXX XXXX XXXX XX/XX/2019 XXXX XXXX of Inquiry XX/XX/2019
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Barclays was offering me a {$20.00} statement credit when I used use their card three times to place orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX. 

I did so. 

It has been over 5 months. I have not received the {$20.00} credit. As a result, I canceled the card when the annual fee was charged. 

Please remit the {$20.00} owed as a check, as I no longer have the card.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) GXXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX (XX/XX/XXXX ) 8 ) US Dept of EDU ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX (XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-05-26
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)

XXXX  which has recently " verified '',   XXXX   & TRANSUNION are all reporting a collection account,   XXXX   XXXX   XXXX   XXXX  , AKA   XXXX   XXXX   XXXX   XXXX  , ACCT. #   XXXX   XXXX  N THE ESCALATED AMOUNT OF   XXXX   DOLLARS FROM THE ORIGINAL AMOUNT OF 3 XXXX 3 DOLLARS ... .THE ORIGINAL CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  r.THE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a   XXXX   sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.
What  XXXX  /  XXXX   XXXX    wants to do is perpetrate fraud and 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.
So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Employer : XXXX XXXX XXXXXXXX  XXXX
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXX of 2020 XXXX  XXXX put a collections on my credit report. This collections popped up on my bureau report and has greatly lowered my score. This debt collector is saying I owe money that I do not owe. Therefore this collections is an unknown collections debt and unverified collections debt.
Consumer complaint received 2019-06-27
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. (CO)

the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX
Consumer complaint received 2022-12-14
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. (VA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-09
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 — Their investigation did not fix an error on your report
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

I have submitted a dispute with XXXX  on 2 different occasions about an account that is list in my credit report twice. Each time they have done their investigation they have said both accounts are correct. This last report they sent me after my dispute I saved. It clearly shows that the 2 accounts are duplicates. They even list the exact same account number. I have also disputed the fact that the collection agency is charging interest on the account and I have been informed that a collection may not charge interest on an account that wasnt part of the original contract but this company is trying to charge interest on the account. I dont know what this collection is or when I supposedly owe this or for what but I can see that it is a medical collection and so Im guessing it is an old hospital bill. All the times I have been to the hospital nowhere have I seen it state anything about being charged interest. Both XXXX and Wakefield and associates have clearly violated the fair credit reporting act. XXXX by not performing a real investigation into this account and Wakefield and associates by reporting false and inaccurate information.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

Continue to receive robocalls and automated calls stating I owe a debt and its not true or mine, when I had my attorney call ( previously had an issue with Bankruptcy ) they refused to give any information and said someone would be contacting him back, as of this writing no one has called back, my attorney followed up and still nothing.