davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (TX)

I HAVE NEW INFORMATION FOR CASE XXXX It has come to my attention to me the natural person/ consumer XXXX XXXX XXXX rights have been violated by EXPERIAN ONCE AGAIN according to the fair credit reporting act by reporting act 15 USC 1681 B ( 2 ) Permissible Purposes of Consumer Reports I Did not give Experian permissible purposes!!! 

- bankruptcy My credit report should only be filled with written instructions from ME ( the consumer to whom it relates ) 1. ) I Did not give Experian permissible purposes to report any Bankruptcy 2. ) This bankruptcy was NOT Ordered by a court to REPORT ON MY Report as Ive already attached the letter from the bankruptcy court that they DO NOT REPORT TO CRAS!
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX, XXXX XXXX XXXX  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with XXXX  as of today ( XX/XX/XXXX ).
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (WA)

XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 

XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 

XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 

However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WA)

My XXXX and I have ( had ) multiple accounts with simple [ bank ] and our accounts were suppose to ( seamlessly ) merge in to XXXX compass ( theyve had a very long time to perfect this transition ) this morning was the date and they complete XXXX it up leaving all simple bank members with XXXX access to our accounts/funds ; moreover we were given no follow up email. I and many resorted to XXXX to find info. The only option they gave us was to call ... which is how we all spent our day, on hold, only to be disconnected. After all this the only thing we have is an apology via XXXX and telling us that we can now spend our XXXX ( XXXX XXXX ) on hold with their company again to attempt to gain access to our accounts and funds. We are quite concerned at this point and like my XXXX and myself we have paychecks that go in to a newer account and an additional account for certain bills, that are automatic, and require moving money in to it and I can do nothing about it. This should have had a fix done today. This should have been done in batches to prevent this and nobody should have to spend their entire weekend on hold with a bank that doesnt even care to send us correspondence, updates and assurance for a mistake of this caliber. XXXX must be held accountable for this. The moment I have access to my money again I will be moving it elsewhere. This is absolutely unacceptable
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

Like always, EXPERIAN in the WORST at actually " investigating '' ANYTHING. They NEVER actually look at ANY information you provide them. I am not even convinced they even CONTACT the so called creditors. They simply make notes on you credit report saying " Completed investigation, consumer disputes, meets FCRA dispute-consumer disagrees. '' On this particular case, XXXX   XXXX CONTINUES to make items as CO rather than included in bankruptcy or closed like all the other accounts with XXXX XXXXXXXX XXXX. Accout # XXXX. I have asked several times to have this CORRECTLY updated and again, the only thing I CONTINUE to get is " investigation complete ''. I havfe provided ALL the bankruptcy papers and documents, which CLEARLY the DO NOT even bother to look at EVER. EXPERIAN IS A SHAME AND FRAUD and I AM REALLY sick of FIGHT THEM!
Consumer complaint received 2018-04-16
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. (PA)

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX
Consumer complaint received 2022-02-18
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you 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 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-02-18
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. (FL)

I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stanislaus Credit Control Service, Inc. (CA)

Stanislaus Credit Control has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I applied for capital one spark business card and capital one requested more information. I sent over all my information that it requested and my application is still in verification status. Ive been told that it was going to take three weeks and each time that I call I get a different response to whats going on. Ive spoke with several application supervisors and nothing has still been done. I uploaded a Secretary of State Form, along with a personal utility bill ( XX/XX/XXXX ) and my SS card ( XX/XX/XXXX ). On XX/XX/XXXX I faxed over a Utility Bill for the Business, and an Invoice from XXXX. What other info is needed? Im very disappointed this has taken this long and no one has given me an answer. Ive sent over 5 documents for the application and it seems like the team IS working very slowly. Ive requested that an Executive look at my application and tell me what other documents are needed All of the info thats needed has been sent.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (OK)

My mortgage payment of 3 months under the forbearance program had been deferred and I am in current for the payment. But, I learned that the mortgage company, Cornerstone, placed the aforementioned deferred amount as the second principal, which it has to be paid off once the initial principal is paid off. 

I contacted with Cornerstone since I thought the loan maturity date would be extended for three months more instead to add the deferred amount as the another principal and also that the deferred amount is combine of principal and interest so the whole amount can not be considered as a principal. However, a customer service represent and a loan specialist from Cornerstone said that there is no maturity date change in my loan policy and I have to pay off as a lum sum of the deferred payment once the initial principal is paid off when the loan maturity date comes or if I sell the property before the maturity date.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX, they bought a XX/XX/XXXX credit cards for capital one, in XX/XX/XXXX, XXXX XXXX XXXX report the credit company that I open a accounted with back in XX/XX/XXXX and they report that i have owned the account that shouldn't have in credit report I have contacted and they said they sue for a debt.. the accounted is from XX/XX/XXXX.. not XX/XX/XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MO)

CONSUMER COLLECTION MANAGEMENT continues to report derogatory information to my credit report on an account that has been paid in full with the original creditor. I have requested this company to stop their attempts however, they continue to report false information. 
XXXX is the original creditor
Consumer complaint received 2024-03-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VELO LAW OFFICE (MI)

Received a summons on XX/XX/XXXX from a public serving official that I was being sued for the the cost of +6 year old medical debt ( some less than 6 years old ) plus court costs by an attorney from Velo Law Offices. When I called the offices the following business day to offer payment I was told I needed to wait until a set of forms were mailed to me ( took 10 days to arrive ) Im not comfortable disclosing this information to them especially since my SSN was recently compromised
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-05-04
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: Freedom Mortgage Company (PA)

Freedom mortgage is the institution who is responsible for our loan. y nXX/XX/XXXX we summited our payment thru their online services as we did every month. We received a confirmation number that the payment was process correctly like we do every month. On XX/XX/XXXX ( approximately ) we received a letter from them that they never received the payment, when I logged in to my account I find out that they where correct. They express to me that the payment got reverse because an error on the routing number I told them how is that possible if in the past we have entered the wrong routing number and the system will give you an error in the page. After giving us poor excuses I told them that I logged in and the payment showed as reversed but that we do have a problem with making the payment. We proceed to make the payment over the phone they offer to remove any late fee and charges without us even asking because they understood their was an error on their end. On the XX/XX/XXXXwe received a credit alert from 2 of the monitoring company that we use that we missed a payment we got the letter on the XX/XX/XXXX and we call the same day and made the payment. We reach out to Freedom Mortgage on the XX/XX/XXXXand explain again the situation first they couldn't open an investigation because they couldn't find my account number we gave them names on the loan, address, a correct phone because they had a wrong one also provided them the loan. After that they emailed us back on because they said that they needed more information we send picture of their website showing them what kind of error their system will give you when the account or routing number doesn't match. After that they requested proof that the money was there when the transaction was made, we send that information proving that there was more than enough then they send us another letter on XX/XX/XXXX that they were unable to honer our request.
Consumer complaint received 2022-01-17
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. (NY)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my Transunion. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2022-02-18
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. (TX)

The following companies obtained a copy of my credit report without my authorization : 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 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 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 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (GA)

Capital Accounts placed a collection on my credit reports for a debt I have never received a bill for and for a company I have never done business with. They contacted me by mail only after I disputed the collection with the credit bureaus. I have no knowledge of the debt. I have received anything prior to this and I have not done business with the company. 

I don't know how they can just place a collection on my credit reports without ever notifying me before doing so.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

My Loan is a simple interest loan, Santander has continue to send my payment notice to a previous address for almost 2 years, creating extra interest, exposing my credit to owners of my previous house, despite repeated attempts to have my address changed. Ironically my payment receipt comes to my new home each month.j I feel that Santander has intentionally created this issue, to embarrass me to the owners of my previous home and as a way to collect addtional interest and against my loan. My conversation with them resutled in a refund of XXXX in late charges and nothing more. I have received 2-3 calls everyday when a payment is late
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (FL)

I have informed this company A. that the alleged debts that they provided to me are not mine. B. I've informed this company NOT to contact me during work hours. I work from home and on TWO occasions they have contacted me during working hours. Once I remind them of this they apologize and hang up.