davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MO)

NCA has bought a debt from XXXX XXXX for XXXX. Supposedly in my name. Ive disputed this account information multiple times with all three credit bureaus the debt is not mine. After the nca continously has denied my disputes I called XXXX XXXX  corporation myself. They have no loan information regarding my name that even matches this account that is here say being said mine they confirmed they didnt have any loans for myself currently or previously. That the information was a facade and not to pay it I then disputed it again and yet again theyve denied my dispute this is a huge negative factor and the only one I negatively have on my credit reports and its very much negativly impacting my score being that it is the only thing I have in collections because Im not paying for something that isnt mine
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-01-14
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. (OH)

I was going over my XXXX XXXX and I discover some unverified accounts that I don't recall seeing any accounts for business in my records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. These are accounts are not accurate please delete : XXXX XXXX {$690.00}, XXXX XXXX {$520.00}, U.S. Bankruptcy XXXX the accounts are not accurate. The accounts in question were actually paid in full. The information is wrong I know for a fact you receive this information from a third party source. However this information in WRONG! Not sure who furnished it is unconfirmed and unverified, it is not 100 % accurate. FCRA 1618 ( a ) ( 5 ). Please delete these records from my credit file
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Services is reporting a debt on my credit reports- Please accept this complaint as a formal dispute of this account and its account balance. I am requesting debt validation, a copy of the dunning letter sent, and copies of all documents that Portfolio Recovery Services has obtained when purchasing this debt. According to the Federal Law Portfolio Recovery Services needs to provide these  documents in full no later than 30 days from receipt of this complaint
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (NJ)

I booked two flight tickets on XXXX from XXXX XXXX XXXX to XXXX, XXXX ( through XXXX ) which were charged to my American Express ( AMEX ) Credit card on my statement ( {$1500.00} each or {$3100.00} combined ) dated XX/XX/XXXX ( booking code XXXX ; Tickets XXXX and XXXX ). The flights were cancelled by XXXX and notified me by email of the cancellation on XX/XX/XXXX. AMEX credited my account on XX/XX/XXXX but reversed that chargeback on XX/XX/XXXX stating that they were honoring their Merchant 's policy not to issue cash refunds for flight cancellations. I challenged the reversal by AMEX stating that it is illegal not to provide passengers with cash refunds for flight cancellations. AMEX did not relent and advised me to file the claim with XXXX which I did on XX/XX/XXXX ( XXXX, and XXXX ). XXXX denied the claim on XX/XX/XXXX stating that they are not required to provide " compensation '' for cancelled flights under XXXX. I replied on XX/XX/XXXX that I am not seeking " compensation '' ( i.e. meals, lodging, or cash for delayed flights ) but a cash refund which is mandated by XXXX ( Sections 5 ( a ) and 8 ) and and the Department of Transportation Rules ( 76 Fed. Reg. 23110-01, at 23129 ; XX/XX/XXXX ), and the Department of Aviation Enforcement rule that " refusing to refund a non-refundable fare when a flight is canceled and the passenger wishes to cancel is a violation of 49 U.S.C. 41712 ( Unfair or Deceptive Practices ) '' which subjects a carrier to  enforcement action. XXXX denied the refund claim stating that AMEX has charged them back ( I included my AMEX Statements demonstrating that statement to be false ).
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

There shows an account on my reports from XXXX XXXX XXXX XXXX -a loan .... and his account has been satisfied some years back and is now past the limitations for MO this accounts needs to be removed from my reports as it is too old to be reporting. I have tried handling this previously and have gotten no help
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting erroneous late 's on my credit file. They are reporting late 's for XX/XX/19 and XX/XX/19, my payments are set up to be auto drafted. They failed to draft the payments for these months and also failed to notify me until a couple months later. When I called to see why my account was delinquent they noticed it was an error on their end and refunded me the late fee 's and interest charges. I was not late on my account, Capital One should of drafted my payments and they awknodlge this error. I'm not sure why they refuse to remove the erroneous late 's but I really need them off of my credit file as I was never late and have never been late on my Capital One accounts. I will attach the statement 's where you can see the late fee 's and interest were refunded.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MO)

On XX/XX/18, XX/XX/18, and XX/XX/18 I submitted verification to the credit bureaus of the accuracy of the charge off account placed on my credit file by US BANK. 
Not until XX/XX/18 via CFCB did I receive a response from US BANK. 

It is my understanding that the bureaus were supposed to receive a response ( as well as I ) within 30 days to prove the accuracy and verification of this account. This was not done within this timeframe. This is a violation and the account should have been removed.

In their response via the CFCB portal they also insinuated that they had incorrect addresses for me in order to verify me of the alleged debt from 2 separate collection offices. 

I would like to know when those collection offices were attempting to contact me since my phone number and address were the same for quite some time.
Consumer complaint received 2021-07-15
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)

XXXX is knowingly allowing XXXX XXXX XXXX to report inaccurate information. I have disputed this a few times with XXXX  and yet they are still allowing the incorrect information to be displayed. The company is reporting on the payment page that I have made no payments at all this year. Under payment month a C ( charge off ). If I have made no payments like the information is stating then how did my balance go from {$480.00} to {$350.00}. I want this information corrected. I have a letter from the Company showing that I made a payment in XXXX and another in XXXX. I also made a payment in XXXX. See the letter it shows {$50.00} payment made XX/XX/XXXX. {$40.00} made XX/XX/XXXX. XXXX + XXXX XXXX $ XXXX $ XXXX {$130.00}. If {$50.00} + {$40.00} XXXX and that is subtracted from the original Balance of {$480.00} then a balance of {$390.00} remains. since my balance is {$350.00} its obvious I made another payment of {$40.00}. See attached dispute results dated XXXX After my dispute XXXX is still showing no payments made anytime in XXXX. If a creditor pulls my credit file it will appear to them that I have made no payments on this account when in fact I have made several payments. I want the correct and truthful information posted on my credit report by XXXX or the report deleted from my file. Transunion is allowing the same company to also report inaccurate information. I tried to dispute this information with Transunion but they informed me that I have one on going dispute and can not file another dispute ( despite the fact that they are reporting false information ) until that dispute is resolved.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

I legally change my name to from XXXX XXXX XXXX To XXXX XXXX now XXXX bank XXXX - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but XXXX having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXX a XXXX You stop report my credit to experian since last year 2022 and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to experian a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, For 1 year I've trying to rectify my escrow account after receiving my escrow analysis back in XX/XX/XXXX. I was in bankruptcy but at a reaffirmation/automatic stay. My house was not included in the BK. Last yr I had to scan in my property tax bill because they didn't include my increase. I did my own analysis with the increase and paid the shortage {$600.00} shortage XX/XX/XXXX to cover the new prop tax pmnt, paid the increase in the mortgage payment to cover everything which was {$1600.00} as opposed tot he {$1500.00} they were requesting. Come XX/XX/XXXX the site said my payments were going up {$41.00} making it short {$500.00} but I tried to explain to them there is already a surplus of {$600.00} so it's impossible to be short anything that high while it's already sitting there. After my new analysis I did on my own and being I must have $ in my escrow account all I need to pay is {$230.00} because escrow can't be at a XXXX. On XX/XX/XXXX I spoke with a Sup and she was so ignorant I had to hang up, toda I spoke with a Sup who refused to go over my findings and escation to escrow dept was sent. I advised her the CO sent a letter dated XX/XX/XXXX plz pull it up she refused due to an escalation from XX/XX/XXXX. Here is my analysis which they don't get. 
ok XXXX thru XXXX escrow of XXXX x XXXX XXXX then homeowners insurance ins will be paid paid XXXX XXXX XXXX then bal {$2000.00} then XXXX pmnt of escrow will be paid XXXX bringing escrow balance to XXXX Then XXXX prop tax pmnt is {$3100.00} and hving the in escrow XXXX my new total is negative XXXX but there is a surplus of {$600.00} sitting in escrow now. 
So if anything i may be short XXXX not {$500.00}. 
When I worked mortgage if a customer asked to go line by line we did it, this CO does not, never has answers nd I even had XXXX in BK dept she doesn't know escrow. 
How can believe anything this company says or does. no one in that CO knows escrow. The literally are worse than XXXX.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

In accordance with the Fair Credit Reporting act TrueAccord Corp 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. I am a victim of identity theft. 
1. This is not my debt.

2. I am a victim of identity theft.

3. I request TrueAccord Corp send me records stating the collection of this debt is mine. A wet signature. 
4. The total balance and complete payment history. Including an explanation of any interest charges and additional fees.

5 The charge off of the original creditor.

6. A copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.

7. I request records showing. That TrueAccord has the right to seek collection of this debt.
Consumer complaint received 2022-07-27
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-12
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. (NC)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/23, I placed an advance online order with XXXX XXXX XXXX in XXXX XXXX CA. I provided my credit card for the estimated total of {$120.00}, and I requested pizza delivery on XX/XX/23. 

On XX/XX/23 at XXXXXXXX XXXX I received e-mail confirmation from XXXXXXXX XXXX XXXXXXXX for the amount of {$120.00}. 

At XXXX XXXX on the same day, a female pizza delivery handed my order, and provided a paper receipt with option for tip. I encircled the option for 15 % and wrote down {$19.00} on the paper receipt. 

On XX/XX/23, XXXXXXXX XXXX XXXX  charged my credit card the amount of {$19000.00} I spoke to XXXX XXXX XXXXXXXX multiple times and visited the store in person with hopes that this can be resolved. I was promised that the transaction will be reversed/money returned but this has not happened, and it has been 2 weeks. I have filed an incident report with the XXXX XXXX Police Department. 

I spoke to Barclays multiple times asking to please correct this significant financial overcharge by the merchant but no correction was done.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  **************** {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX  XXXX {$3800.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

As of XX/XX/2021 a debt collection company by the name of Southwest Credit Systems, account number : XXXX, randomly appeared on my credit report claiming that I owe a balance to them in the amount of {$370.00}. I never received a letter in the mail with a notice of the debt or a chance to dispute the validity of the debt per the FCRA. I am requesting that this listing be removed from my credit report immediately for violating my consumer rights to dispute within 30 days of notice of the debt.