davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (IA)

On Friday XXXX XX/XX/XXXX, I received a letter that said my wages would be garnished. There was a default judgement in a Michigan court XXXX XXXX XXXX. I have not been a Michigan resident since XXXX XX/XX/XXXX. I do not owe this debt, or have ever had a XXXX XXXX, or applied for one. As stated in the documents received, this debt is from XXXX. This debt would be beyond the statute of limitations. I believe that the debt collector fraudulently used the courts to gain money from something, that wasn't owed and was beyond the statutes of limitations. I would ask for your help in preventing me from being a victim of unscrupulous Debt Collectors. I would also ask the criminal charges be pursued against a company that would operate in this way. 
I was also told by the attorney 's in Iowa that I would have to find an attorney in Michigan to handle this and there was nothing they could do for me. I feel as though this unethical debt collection company has roadblocked me for every option of disputing this debt. The judge who has acted on this order without reason is in the XXXX district judicial court of the state of Michigan and the attorney who filed for this unethical debt collection is XXXX XXXX. I feel as though the venue violates US Codes : 15USC Sub-chapter 5-1692i.
Consumer complaint received 2019-08-07
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: CURO Intermediate Holdings (TX)

I have contacted this company, Avio Credit, to submit to the credit bureau that the hard inquiry was a result of identity theft. They said they submitted to XXXX  and for me to give it 45 days. I did and it still wasn't removed so I contacted Avio Credit AGAIN and they said they will submit a 2nd time and for me to give it 45 days. That was 2 months ago and nothing has changed. 

My identity was stolen and 1 of the companies that this occurred with was Avio Credit , Inc . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of Avio Credit prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received an XXXX XXXX  and XXXX XXXX XXXX for my business in XXXX XXXX, and spent the money, now ( XXXX XXXX, XXXX ) Capital One has placed a hold and demanded verification which I provided, yet they continue to hold indefinitely while they " review '' my account. They are not federal law enforcement last I checked and I can not run my life while they seized my money unlawfully. Calls have gotten me nowhere.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please investigate this account. This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly. 
XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00} XXXX XXXX ***** Opened Date XX/XX/2015 Balance {$1500.00}
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I received my EIDL loan, and grant of XXXX into my personal account on XX/XX/XXXX. XX/XX/XXXX Citibank froze my account. They informed me they would investigate. They closed my account XX/XX/XXXX. As of today they havent sent any of my funds back to the SBA
Consumer complaint received 2021-05-11
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. (MO)

XXXX XXXX  Experian and XXXX  are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX XXXX XXXX are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2022-07-06
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. (OH)

Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 
Here 's the wrong info : XXXX is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-11
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: LEXISNEXIS (CA)

I have submitted two letters to the company about to accounts that they have on my report that is not supposed to be on there and is damaging my credit. The last was dated XX/XX/2021 that was sent them I did receive some conflicting information from the response of the first letter. Both letters was dated XX/XX/2021 that I received from them. One of them stated that The count was removed and the other letter stated that they needed additional identification information. I have provided all identifying information for me and both accounts to them. I will provide supporting documentation as well.
Consumer complaint received 2021-08-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Someone logged into my accounts and possibly took some of my personal information. Lately Ive been receiving letters about opening new accounts. Today I recieved a couple of hard inquiries on my credit report from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I have no knowledge of. I have not applied for any credit recently. With that being said I would like this to be removed immediately.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (MD)

XX/XX/XXXX I received a card in the mail noted as a XXXX  XXXX  in my name : XXXX, exp XX/XX/XXXX in which I am unaware of any affiliation with a DC.gov card with U.S. ReliaCard Bank ( USBANK ). The phone number on the documentation listed cardholder services as XXXX. When contacting the organization, I was asked for my birthdate and social security number which I clearly would not provide. 

The customer service representative would not provide any information as to the legitimacy of the card or who they represent unless I provided the personal information requested. 

I did not request any XXXX card listed. Their return address on the very official-looking paperwork is District of Columbia XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I am happy to provide any and all information that I have received.
Consumer complaint received 2019-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (CA)

I called Lexis Nexis today XX/XX/19 about a n inacurate bankruptcy that was deleted by XXXX. The information that led XXXX to delete my bankruptcy was through an investigation done by Lexis Nexis. These investigation results were sent to me XX/XX/2019, very current. It is stated on the investigation results given to me and when I contacted XXXX today they told me over the phone as well. I say all of this to say that I was contacting Lexis Nexis to ask why they are still reporting to XXXX and XXXX and housing inaccurate info such as this bankruptcy that they verified to XXXX  was not true. They stood their ground and claimed that the information was verified by the courthouse. I called the courthouse as well and was told that they do not do this, so this leads me to ask them where they got their information, and of course they maintained it was from the courthouse. Lexis Nexis has so many complaints about this issue and I would like to see something done about it. It makes absolutley no sense that they can report to XXXX that their investigation could not verify a bankruptcy but in the same breath report to XXXX and XXXX that it is verified. Lexis Nexis needs to go ahead and remove this information from their system and notify the other two bureaus that this information has been investigated and verified as not accurate.
Consumer complaint received 2022-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

We have a HELOC loan that originated with Compass Bank. Compass Bank was bought by BBVA and then BBVA was bought by PNC. 

When PNC took over the loan in XX/XX/XXXX, I started getting bills on my statement for Past Fees. I called to inquire about these fees and their customer service rep said they did not see any fees on their end and that it was most likely an issue when they took over the loans and that they should be cleared up. 

They continued to show on the next statements for XXXX and XXXX. I called two more times and was told the same thing, that they would go away after they fixed the account. 

When they didn't go away, I sent a letter requesting that my account be fixed. They responded by escalating it to another department who sent me a ledger from XX/XX/XXXX when the loan originated. This ledger showed fees in the amount that they billed me, but these were fees that were paid when the loan was started. The ledger even says, " Charges Paid In Cash ''. 

I have asked that they reimburse me for these charges since they were already paid alost 10 years ago, but they refuse. 

I don't think it's fair that PNC began charging me for these fees when they took over the loan without explaining to me what these charges were. If these were charges I owed to Compass/BBVA, it would make sense that they would have charged me for them during the 10 years that I've been paying on this loan. It is not fair for a new company to charge for fees that were already paid almost 10 years ago. 

Additionally, I always pay {$600.00} a month on this loan. The required payment is always the interest on the loan which fluctuates between $ XXXX {$250.00}. The extra amount has always been applied to the principal. 

I'm showing that I've paid over {$1200.00} since PNC took over the loan, but it is showing as being paid to Other rather than the Principal. {$600.00} plus was paid for these fees. I've asked that the other {$500.00} plus be applied to the principal. They say that it has, but it does not show as applied to principal, it shows under other. They say they can not fix this either.
Consumer complaint received 2024-02-14
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Asset Management Outsourcing, Inc. (FL)

At this time XXXX XXXX XXXX XXXX and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to NATIONWIDE RECOVERY SERVICES both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days XXXX and with PROOF of PARAMOUNT RECOVERY SERVICES has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (CA)

La Curacao is reporting a charged off account on my report incorrectly. It opened in XXXXand the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account i constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XX/XX/XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (MI)

I was approved XX/XX/2021 for the amount of {$18000.00}. I signed my DocuSign XX/XX/2021 and according to XXXX I am supposed to be funded within 10 business days. I have verified my identity twice and still have not been funded. Thank you.
Consumer complaint received 2021-05-11
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. (UT)

The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}