davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from Experian today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the Experian Website and Also Experian Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online. 

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One refuses to let me access my online account, which is the only way to use my cash rewards points. I have called over 5 times to speak with customer service, and they keep telling me they can not verify my identity. They make me submit my proof of identity, then they tell me they can't read it. I've even had customer service reps stay on the line with me while I submit it, verify they received it, verify they can personally read what I submitted, then they send it to their fraud department who says they can't read it and can't verify my identity. This has been going on ever since I took out the account. I always stay on the line with the rep until they promise me it has been resolved, and each time it is never resolved. It is clearly a ruse to prevent as many people as possible from using the promised cash rewards benefits and to jack up payments when you can't find out what you owe for a payment. I am happy to provide documentation regarding my account upon request, and I would like to point out that my information is not under any sort of data lock for prior privacy breaches -they have no reason to withhold my information from me.
Consumer complaint received 2023-01-01
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. (DC)

Privacy and Confidentiality under 15 USC 1681 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 an 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. Account has NEVER been late.
Consumer complaint received 2019-08-30
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 (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pendrick Capital Partners Holding, LLC (NJ)

I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and XXXX XXXX XXXX XXXX for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. 

I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

It was sometime last week I recall no it was early this Monday the XXXX I know my credit needs help that's the entire point I tried capital one for low credit score to help rebuild ( not approved ) not right at all
Consumer complaint received 2018-08-04
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. (FL)

Equifax is still reporting a fraudulent account XXXX XXXX XXXX after I sent certified my fraud and police report, they are violating the FCRA federal law and section 601 which states that the credit has to block and remove any fraudulent information that is being reported on the consumer credit report. This is illegal and I will file a lawsuit against equifax if they do not remove the fraudulent account from my credit report. I have notified my consumer attorney and he is sure there will be a lawsuit filed for monetary relief.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposited {$150.00} into a sole owner checking account and then they removed it from my joint account with my XXXX son. Huntington Bank ( XXXX supervisor ) filed a complaint internally with in the branch. I had purchased a money order which was lost. It returned to me via U.S. mail. I took the money order to the branch and they stated to deposit the money order. They then charged me {$10.00} for a return check fee. They reversed the {$10.00} fee but my {$150.00} is still missing.
Consumer complaint received 2022-03-08
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. (WV)

I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.
Consumer complaint received 2021-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (VA)

Complaint ID XXXX was filed, the collector responded and said they would be removing this from my credit reports. XXXX is still reporting it, I disputed it through XXXX & they notified me the collector verified this debt which is incorrect based off of what the collector said. I called the collector as well & they said they removed it, they also said they would update it as removed but that hasnt happened. It is damaging my credit and I need it removed as it is not a debt I am responsible for as I had XXXX at the time.
Consumer complaint received 2018-10-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Riverwalk Financial Corporation (MD)

I found out from a District Court notice that an attorney XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX is Suing me for Debt allegedly belong to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX. Apparently this XXXX XXXX XXXX acquired this Debt from XXXX XXXX where I had a auto Loan from in XXXX. I had recieved one notice from this XXXX XXXX company earlier in XXXX. I had tried to call them with the Phone numbers provided and they are not valid numbers. I tried to email them from their website and recieved no response. As of this complaint filing I have had no contact with XXXX XXXX. I assumed it was a scam so I just kind of let it go until I was served a Summons for a lawsuit. I have contacted the Attorney above about this Debt allegedly now owned by XXXX, They are Trying to have a Judgement placed on me for XXXX XXXX  which is allegedly owed. I have ask the Attorney for the contact information for XXXX and they gave me the same numbers that I already had and tried and are not valid. I ask them how they contact this XXXX XXXX management and they Replied that they never spoke with anyone, only email. all this has happened in the past couple weeks. I last tried to contact XXXX on XX/XX/XXXX and I did talk to their attorney on XX/XX/XXXX and could not resolve anything. 
after further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the Securities and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and being investigated. Also the Company has many XXXX  Complaints like mine. I believe that I am a victim of unfair collection practices and that I could not verify this debt with this company or even have ample time to resolve this Debt in any way shape or form. I have a court date of XX/XX/XXXX where the attorney above is asking for a judgement. I do not believe this debt is owed this company and at the least because I had no way of contacting this company that any judgement for this company should be granted. I only recieve SSI and I will never hold a regular job again due to my XXXX, and without being able to even contact this Company this is causing undue Stress. Again as of XX/XX/XXXX I still have had no contact with this company to try to resolve anything as the contact information is invalid
Consumer complaint received 2022-03-08
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. (WV)

I disputed the information on my credit report with XXXX in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I disputed the information on my credit report with TransUnion in 2017. XXXX has not tried to contact me in anyway and has not been able to verify this debt. It still states on my credit report its an active dispute. Please remove since this can not be verified.
Consumer complaint received 2018-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

I secured an installment loan from XXXX over a year ago. My payment due on XX/XX/2018 became delinquent and the company has called my house ( XXXX ) five ( 5 ) times and my cell phone number ( XXXX ) seven ( 7 ) times from two different numbers. These calls took place today XX/XX/2018.
Consumer complaint received 2022-03-08
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: CITIBANK, N.A. (NJ)

There is a hard inquiry from CBNA/citi bank XXXX and I have never applied for anything at Citi Bank XXXX The inquiry happened on XX/XX/2021. Already contacted bank.
Consumer complaint received 2018-08-04
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. (NY)

I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

My name is XXXX XXXX XXXX. I 'm a bank customer of Wells Fargo Bank. In XX/XX/XXXX with absolutely no action taken on my own, XXXX offered me an automatic credit increase of {$300.00} on my credit card. I had taken out the card in XX/XX/XXXX/XX/XX/XXXX with a {$1000.00} security deposit. After XXXX consecutive months the bank returned the deposit, when I never asked them to, nor wanted them to. My intention from the start was to build my credit. Which I feel I have done after making approximately XXXX consecutive monthly payments on this credit card account on time!!! In XX/XX/XXXX of this year, I telephoned XXXX and spoke with a banker/supervisor about receiving another automatic credit limit increase, since not having received XXXX in 4 years. I was told by the banker that I was correct and was in line for such a decision. He also told me I would hear from the bank the following month ( XX/XX/XXXX ). I waited until after XXXX, and when I did n't hear from the bank I called them. That call was with a banker/supervisor, also. Diuring that phone call I was lied to, and told that no automatic credit increase review was forthcoming. The supervisor confirmed the bank does in fact have a random system of selecting card holders for credit line increases. But when I asked for the criteria which card holders are selected this person kept repeating there was none! That it 's all done randomly. My response was, does n't the bank think XXXX consecutive timely payments counts for something? The supervisor said the decision was random. Because the bank could not account for the criteria used nor explain why I had been lied to not once but twice it was clear to me I was the target of discrimination. Furthermore, the supervisor alluded to the bank secretly pulling my credit without my permission. Listen to the tape XXXX, becausr the conversation was recorded. You have an unexplainable discriminating process snd you 're secretly pulling my credit. There should n't be a random system that does n't reward customers likee that has made my credit card payments on time every month for XXXX or XXXX years. No lates. No over the credit line charges. This is the bank making decisions about my account illegally. Otherwise, how is someone expected to elevate their credit?
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Cfpb should be more agrassiev against banks because they are going back to XXXX off the cunsumet with high interests rate and late fees and refuse to do anything in case of item not received I placed a order by XXXX on XX/XX/2018 because I never got it therefore I forgot about it now the XXXX XXXX wants me to file a police and go after who ever took it get my money that way resell they really thing I XXXX  to give me such XXXX advise
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Collection Services, Inc. (OK, TX) (OK)

We filed bankruptcy XX/XX/2018. We had the collection agency as well as the collection agency client list in the bankruptcy. The bankruptcy was discharged mid-XX/XX/XXXX. We are still getting collection notice from this agency. I have written them several letters advising them if this and to contact the attorney that handled our case. The bankruptcy case # XXXX. The collection service information is American Collection Services , INC, and the client information is XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (GA)

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my Fortiva/XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

I been making my regular payments on time and also making additional payments & notice my balance was not going down, most of my payments was being reveresed, but know one can explain to me what that means.my additional payments was going to interest only. I could never see how my payments are being apply to my loan. I try calling the company to deal with my payments, but know one could explain why my payments are not being apply to the balance.
Consumer complaint received 2018-08-04
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.
Consumer complaint received 2018-08-04
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.