davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
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: Santander Consumer USA Holdings Inc. (MI)

In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX   XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I was a XXXX satellite service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from XXXX   XXXX for {$370.00} for XXXX. I disputed the charge again by calling XXXX   XXXX. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from Convergent Outsourcing for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from XXXX XXXX for XXXX. I contacted XXXX XXXX by mail disputing the debt and making the same statement as I did in my letter to Convergent. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by XXXX XXXX for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
Consumer complaint received 2019-05-09
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: EQUIFAX, INC. (FL)

I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

Trying to get PMI removed from my loan as the market around my home has gone up considerbly in the last 3 years. 



I was originally told the appraisal would cost {$470.00} from XXXX XXXX XXXX after sending in a letter in the mail to request an appraisal to remove PMI. I sent in the check for {$470.00} and XXXX increased the price to {$780.00}. I have been trying to contact XXXX on the phone about this but whenever I get through the maze of menu prompts they hang up on my after waiting to speak to a representative.
Consumer complaint received 2021-04-01
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: WAKEFIELD & ASSOCIATES, INC. (NC)

I have two issues to deal with I hope you can help me with. The first one is with Wakefield & Associates. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report. 

My second one is with XXXX. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NJ)

I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Right after XXXX XXXX I called to cancel a Visa card I had with CapitalOne. CapitalOne never did that as I instructed after I paid the bill and it has caused confusion with recurring charges I thought were no longer on that card.
Consumer complaint received 2019-04-09
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly that I am past due on XXXX CARD partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
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: Experian Information Solutions Inc. (OH)

On Monday, XX/XX/XXXX. Applied for a XXXX XXXX Card in  the XXXX XXXX app after seeing the promotion being offered. I have 24 accounts of which only 1 is in use. My credit score is over 700. I was denied the card due to heavy use of available revolving credit. The only outstanding credit I have is a XXXX XXXX  Car Loan and XXXX Credit Card that has about 78 % being used. Ive tried multiple times to get this removed by numerous calls but Im either left on hold or told theres nothing they can do unless Im disputing an actual account. Secondly, I submitted a collection credit dispute for XXXX XXXX XXXX XXXX in XXXX, Ca. Until today I never heard of them. I called and theyre saying I owed a payment to XXXX XXXX XXXX in XXXX, Ca for services preformed on my then ( XX/XX/XXXX ) XXXX year old son XXXX XXXX. I no longer live in California but I regularly went to Dr. XXXX never was I approached about this outstanding bill. 

Please look into these newly added issues in my credit report. Experian has not tried to resolve my issues despite my efforts. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

During the week of XXXX XXXX of XXXX  I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-09
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 30 to 90 plus days past due on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-18
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. (TN)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-18
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)

XXXX XXXX {$0.00} : XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX, - these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XX/XX/XXXX, XXXX XXXX XXXX  {$130.00} XX/XX/XXXX, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1600.00}, XXXX XXXX  {$9700.00} XX/XX/XXXX, XXXX XXXX {$470.00} XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

When I checked my credit reports as I often do I saw that Lvnv Funding placed a XXXX collection on all three of my reports which is false and untrue. 
When I contacted Lvnv Funding demanding that they provide me with the documentation to validate the debt pursuant to The Fair Debt Collections practices act and the fair credit reporting act they refused to comply within 30 days.
Consumer complaint received 2023-03-18
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. (TN)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TX)

I got a derogatory remark on my XXXX credit report posted on XX/XX/2015. My brother took me to go get him a loan with XXXX XXXX and couldn't get approved so we use my social, my brother got on a really unstable situation and wasn't able pay the loan. He did not tell me anything so I was unaware. However, I was never notified about this debt and never received a bill, I don't have no account number or anything to fix this problem. I would like to address this immediately and either pay this debt or get this negative remark removed from my report.
Consumer complaint received 2019-04-05
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. (IL)

I have a bankruptcy listed on my credit report under public records with Experian. I originally disputed this on XX/XX/XXXX under dispute XXXX. Experian 's XX/XX/XXXX Dispute results ( attachment 1 ) claimed that this information was verified by the US BK court listed on the report who states they do not report or communicate with the credit bureaus and to dispute directly with Experian ( see attachment 2 stating this as well ). 

I was given false information as Experian stated on the result notice US BK Court was the furnisher when they were not. Today XX/XX/XXXX I called Experian and they stated they would NOT DELETE this public record as it was verified by a 3rd party vendor but refused to provide that vendors information to me so I could dispute it with them directly. I suspect it is XXXX who has also published a statement they do not verify this data with Experian. ( see attachment 3 ). 

XX/XX/XXXX I filed a complaint with CFPB, XX/XX/XXXX they sent the same result that the item will remain even though they can not verify the item or provide the name of the furnisher despite their website stating they would. ( See att 4 ) I was hung up on by XXXX at Experian, and transferred to a manager by XXXX that just threw me into a mailbox. They have had over a year to correct this and I need this done immediately.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (WI)

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.
Consumer complaint received 2019-10-03
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. (WI)

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent mobile account from XXXX for over 900 dollars. And a fradulent XXXX XXXX XXXX   account for XXXX dollars.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pinnacle Asset Management, LLC (WA)

In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka XXXX XXXX ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to XXXX XXXX XXXX, XXXX. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

XXXX XXXX has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. XXXX removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that XXXX XXXX is under investigation for fraud.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX tried to collect a sum that was incorrect from me. When I called them on the phone to explain that I owed them {$370.00} less than what they were attempting to collect based on what my insurance company had paid me to cover the costs, they agreed. My insurance company had sent me checks to cover certain costs that were covered, but a month later, requested a part of that payment to be returned to them, which I did. 

Because of this experience, I told XXXX on the phone that I would call them back to pay the bill once I confirmed with my insurance company that they were not going to rescind any more of the money that they had provided to cover this bill. 

After I confirmed with my insurance company that they were not going to take back any more of the money they had paid, I called XXXX to pay the bill. I was left on hold for many minutes and was finally told to " leave a message '' because no one was available to answer my call. I kept calling and leaving messages every time I would receive another bill and I only received 1 call back from them ( which I missed when picking up my child from school ). 

I have just received a collections notice from Transworld Systems for {$370.00} more than what was agreed upon, an action that will now impact my credit score, which I take very seriously. 

This company has been deceptive in its debt collection procedures -- charging me more and then making it impossible for me to pay my bill with them over the phone.