davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was overlooking my credit report and noticed some misinformation on it. I noticed a credit card was opened in my name using my information somehow. I never gave anyone my information or permission to use it this was not me.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have disputing with CapitolOne two different accounts ending in XXXX opened in XX/XX/XXXX opened without my knowledge or consent for {$3600.00} and act ending XXXX opened in XX/XX/XXXX with my knowledge or consent for {$2000.00}. I have sent certified letters to XXXX XXXX XXXX  and Capitol One. Capitol One asked for Bankstatements, and a previous utility bill for XXXX of XXXX and XXXX for proof that I was not living in Georgia when these two fraudulent accounts were opened in my name. I have called numerous times and have spoken to XXXX XXXX manager ID # XXXX in the fraud department along with her co worker XXXX XXXX XXXX at Capitol One.I have phone records to show an incoming call on XX/XX/XXXX at XXXX EST I was called by XXXX for 18 min 42 sec call asking for the above documents. She provided a Fax number and email address to upload all documents. I sent everything over as request and I was informed all was received the same day. I called for several months trying to receive help to remove these fraudulent accounts and none of the agencies seemed to care or assist. On my XXXX account I submitted many online disputes. Please see below : Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair and accurate investigation or dispute. 
Opened : XX/XX/XXXX and it was closed on XX/XX/XXXX which did not a provide me a fair accurate investigation or dispute Opened : XX/XX/XXXX closed on XX/XX/XXXX Opened : on XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not provide me a fair and accurate investigation or dispute Opened : XX/XX/XXXX and closed on XX/XX/XXXX which did not allow me a fair and accurate investigation Please see below the times of which I contacted CapOne with no help or calls back after I faxed and email the docs that were requested : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 6 times that day ) XX/XX/XXXX XXXX ( 2 times that day ) XX/XX/XXXX XXXX ( I was transferred and spoke with 3 agents for a duration of 2.5 hours ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( 3 times that day ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Each time I was informed that my documents were being reviewed and that I would receive a call back. Till this day I not received anything back. I also attached all documents and information to XXXX XXXX and XXXX and still nothing. 

Please investigate as I need Both charge off accounts for Capitol One needs to be Removed!! 

Thank You, XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management INC. Keep trying to send me to court, threatening to sue me for an account for {$3000.00} + that I know nothing about. I keep asking for proof, yet they cease to provide.
Consumer complaint received 2021-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm writing because I noticed XXXX XXXX  reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my TransUnion credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers XXXX  had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from XXXX XXXX  on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Account was taken out without knowledge original account hold media location mobile XXXX XXXX XXXX request contract or signed documents with correct name, address & correct information other than just name. Did name receive no documents called are requested collection to be pulled off report for lack of information company refuse to pull off also show proof of debt with original documents with a wet signature on it
Consumer complaint received 2019-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my Transunion report.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (VA)

US BANK initially lost a certified cashier 's check in the amount of {$4500.00}, which was sent directly from XXXX XXXX to US Bank by XXXX. The check was signed for by a US Bank representative. We refused to make payments to the loan until US Bank located the check or resolved our dispute by crediting the amount of the cashier 's check ( as we could not simply place a stop on certified funds ). The bank failed to acknowledge the fact that we were already out of XXXX and could not continue to make payments until we were positive the payments were actually going to be acknowledged and credited to our account. US Bank denied losing our check and refused to take any action. Needless to say, during the pendency of our valid dispute, the deficient mortgage balance doubled due to foreclosure attorney 's fees. We requested US Bank to itemize the foreclosure attorney 's fees to ensure the fees were reasonable, but they refused. The loan currently has more than XXXX in attorney 's fees and we are unable to pay this amount, especially considering the mortgage is now XXXX delinquent. 
US BANK refuses to take our calls and the account is not available online.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (CA)

FedLoan Servicing reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to FedLoan Serv.
Consumer complaint received 2022-01-14
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: SYNCHRONY FINANCIAL (NC)

I've recently checked my consumer report and I notice that this company placed an unauthorize inquiry on my consumer report. I suspect that my identity may have been stolen and that a possible crime has been committed by your corporation. There are no open accounts tied to this account on my consumer report, nor did I allow this company to report my personal information to any reporting agencies. Additionally, I am a protected consumer, this company is sending me mail which is a form of communication when I never done business with them before, nor did I get proof of my ignition of the account. I am demanding this inquiry to be deleted from my consumer report.
Consumer complaint received 2024-02-12
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX 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 2024-02-12
Product: Credit reporting 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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for and received a new XXXX XXXXXXXX XXXX  credit card offering no interest for 15 months on a balance transfer from another card company with a 4 per cent transfer fee. I called XXXX XXXX on XX/XX/2022 to transfer my 2,700 dollar Capital One credit card balance. After 10 days I began calling the Capital One auto info phone number to see if the {$2700.00} transfer payment had been made to my account. As of today the transfer payment has yet to be posted. I called my XXXX XXXX XXXX representative and she informed me today XX/XX/XXXX that their transfer payment to Capital One was made electronically on XX/XX/XXXX and cleared on the XXXX. I called Capital One this morning and spoke to a representative asking her to explain why a payment made on the XXXX of XXXX has yet to post to my card balance. She gave me no clear satisfactory answer and said that I needed to call XXXX XXXX XXXX!! In the meantime my new XXXX XXXX credit card has shown a posting of the 2,700 dollar transfer and their XXXX dollar transfer fee on the XXXX of XXXX and the creation of a statement on XX/XX/XXXX and a minimum payment due date in mid XXXX!!
Consumer complaint received 2019-07-29
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. (RI)

XXXX XXXX  account..XXXX reported to the credit bureaus an outstanding bill after service was cancelled. I made numerous complaints to XXXX for poor to no service. XXXX broke our contract because it could not provide consistent serviceyet it tries to charge me and negatively reports me to the credit bureaus
Consumer complaint received 2017-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (ND)

I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
Consumer complaint received 2022-01-26
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. (AZ)

in XXXX of XXXX i bought a car from a mom and pop car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( 1st date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX put a duplicate account on my credit report so there was fraudulently XXXX wrong accounts on my credit until XXXX when XXXX XXXX sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX  is reporting negative false info on my account this account is satisfied in full proof is provided and it 7 years old and after 5 disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (AZ)

in XXXX of XXXX i bought a car from a mom and pop car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( 1st date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX put a duplicate account on my credit report so there was fraudulently 2 wrong accounts on my credit until XXXX when XXXXXXXX XXXX  sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX  is reporting negative false info on my account this account is satisfied in full proof is provided and it 7 years old and after 5 disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

in XXXX of XXXX i bought a car from a XXXX and XXXX car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( XXXX date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX XXXXut a duplicate account on my credit report so there was fraudulently XXXX wrong accounts on my credit until XXXX when hls XXXX sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX is reporting negative false info on my account this account is satisfied in full proof is provided and it XXXX XXXX XXXX and after XXXX disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!
Consumer complaint received 2022-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC (WI)

XXXX XXXX through SL Finance contacted me stating I qualified for student loan forgiveness and that he worked with my service loan provider. I completed paperwork and was told they charge for so many months then my student loan would be reduced. They had my employer complete paperwork. I was notified through XXXX that this was suspicious and a scam. I contacted XXXX to let them know and will be calling my bank.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

XXXX XXXX card, issued 5th 3rd bank N.A., as an XXXX payroll card for XXXX XXXX XXXXXXXX XXXX, and various other dba 's. XXXX, my XXXX, is associated with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. The previous XXXX payroll card, for XXXXXXXX XXXX XXXX- was the XXXX XXXX XXXX, the XXXX card issued by XXXX XXXX XXXX XXXX Both are the payroll card for XXXX XXXX XXXX. On XXXX, a merchant placed a a hold on my account for $ XXXX I called the card service number when I saw the email come in- they cancelled the XXXX XXXX and mailed me the XXXX XXXX - they have continued to hold my funds, from a transaction, with there so called merchant - whom I had XXXX XXXX way call XXXX XXXX card services today. I have tracking and claim info- I do not have a XXXX account, in addition they would not hold funds longer then 30 days - this has been over 90 days. XXXX " wants to hold my funds and conduct an investigation '' I have heard the most out landish things when I call XXXX- in addition, the one thing that is predictable they / XXXX- is always changing there story. They are also bully like. In addition they are also related to global cash whatever that is- so XXXX XXXX XXXX XXXX XXXX XXXX, fifth third bank NA-? Today XXXX and I were told- that, they would mail me a letter, aftter XXXX XXXX the email alert for a transaction that a merchant was able to place holds on my funds - was on XX/XX/XXXX XXXX I called shortly after the email ; came in. This XXXX XXXX XXXX seems to be like a platform/ stack, for banking and card services - I offered in past to call merchant with XXXX, this has been on going since XXXX- they have refused. So I called XXXX and we 3 way called them - XXXX refuses to acknowledge - that I have been told, several different things, dates my funds would be replaced, and were not, even rather threatening saying they would hold my funds for the longest amount of time, 90 days, now 90 days - they want to blame the so called merchant, and, my funds have not been returned. I was also told on XX/XX/XXXX, they would block the merchant and hence the new card and account. Yet the famous dispute dept. - and you never know if its XXXXXXXX or XXXX who is gon na answer the call - now they are blaming the so called merchant- and will send me a letter? I want my funds - I am also going through the card statements - and the description of the merchants they have altered - in addition had the nerve to bill me for a subscription service that bills to a different card - obviously XXXX XXXX has a counterpart and someone is able to get access to a different account I have - from the treasury-