davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reliant Capital Solutions, LLC (OH)

This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number. 

I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.
Consumer complaint received 2022-08-17
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. (MD)

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 XXXX 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 XXXX  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 XXXX 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 2018-11-27
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. (CA)

I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (LA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MARINER FINANCE, LLC (IN)

4 months before tge covid19 country lock down I had taken a small loan out for emergency repairs, less than {$2000.00} dollars. I had made all my payments on time. Then The lock down was implemented and I had to prioritize my bills and got be & ind on this loan, I wasn't aware of the covid19 protections during this time and next thing I know they charged off the account and turned it over to there collection attorney. This has ultimately hurt my credit. Now after learning about tge protections in place last year. I emailed the original company to offer to pay the loan off from the original balance not the balance now where they are charging me a late fee still. They said no and told me to talk to there attorney, so I disputed on my credit report that the reason behind this charge off was due to natural disaster. After it was investigated I was successful and that remark was added. This helped my score enough to apply for a mortgage so we could move. After applying for one I was denied due to credit score to low so I got on XXXX to look at my report and the natural disaster remark was removed and the charge profit loss was added back. So my score tank XXXX pts plus the balance increased. This is 4 months after I was successful, the company is required to notify me by writing within 5 days I believe and I never received anything. Well I have disputed this same thing now 3 or 4 times being successful every time only to have the company have the natural disaster remark removedand a negative impact remark added. Never once do they notify me. So now I reached out to the loan originator and there attorney for a copy of the documents which the company responded by telling me to contact the lawyer which I had already done. I believe they are charging me a late fee illegally because if they aren't the ones with the loan how can a collection agency increase the balance by charging a late fee. I need agreed to pay anyone other than the company that originated the loan, and I also believe they have violated the fair credit reporting act by having my successful disput removed 4 times never notifying me. And now I can't get a loan so I can't move. Which if I'm correct about the things they've done wrong then I should take a more legal approach. I never disputed the loan itself. Just that I was affected by natural disaster which I was directly affected.
Consumer complaint received 2018-11-27
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 — Their investigation did not fix an error on your report
Company: Siggi LLC (LA)

XXXX  has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-27
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. (CA)

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX,
Consumer complaint received 2018-08-01
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: ALLY FINANCIAL INC. (FL)

For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University of XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (PA)

On my credit report, my federal student loan serviced by Navient shows delinquent payments. During this time my loans were in forbearance. Navient sent emails to me asking if I wanted to place my account in forbearance with the directions of " simply reply yes to this email '' and that's what I did. XX/XX/XXXX and XX/XX/XXXX should not show 90 and 120 day late payments because the forbearance was in place.
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$6000.00} and limit of {$5000.00} ; account number partially listed - XXXX, dates not listed,
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (TX)

I XXXX XXXX have sent AWA Collections a debt validation letter on XX/XX/2023 certified mail ( showing recieved on XX/XX/2023 to AWA Collections ) also the debt was reported on my credit report on XX/XX/2023. I haven't received any response to my debt validation letter current to today 's date XX/XX/2023 from AWA Collections, nor did they notify the credit bureau to update the status to dispute. I would like someone to help me with this issue and want AWA Collections to remove the collection from my credit reports ( all three credit agencies ).
Consumer complaint received 2020-07-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (MN)

THEY KEEP UPDATING THIS ACCOUNT TO MY CREDIT AND I KEEP LOSING POINTS TO MY CREDIT REPORT. I ASK IF FOR THIS ACCOUNT TO BE VERIFED AND IT HAS NOT BEEN WITHIN THE TIME FRAME THEY SAY IF IT DOES'NT BE PAID IT WILL STAY DAMAGING MY CREDIT THOS NEEDS TO BE REMOVED ASAP
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the XXXX  credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts.

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX  indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX practices have impacted my credit ratings.
Consumer complaint received 2018-11-27
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-06-03
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 (IL)

On XX/XX/2020, I went to Value City XXXX to purchase some furniture the sales person XXXX XXXX asked me if " I wanted to open up a charge account '' I said yes and got approved. After the transaction was done she did inform me that the furniture that I just purchased was not in stock but it will be in a week, so she set up the next available delivery date which was XX/XX/2020. I did inform the XXXX that I had issues with Value City over 20 years ago about back orders and it took over 4 months to get a refund and she assured me I wouldn't have a problem like that again. Then COVID-19 came they sent an email changing the delivery date which was  understandable, then I went to the email again and they change the delivery date to XX/XX/XXXX again without contacting me. I started receiving bills and phone calls from Synchrony credit card company stating I was past due with my payments ... I informed them that I never received my furniture and I would like to file a claim. They took all the information and stated it will take about 60 day to investigate and you don't have to make a payment until this is resolved. About two days later I received a call phone Value City they left a message on my voice mail stating the new delivery date was XX/XX/2020 and contact us if this is not convenient for you, any date would have been okay but I still tried to call them back to let them know you need to adjust the date on my charges, know one answered. So, I see on the site from the email I have a scheduled date of XX/XX/2020. This is another month later on Monday, XX/XX/2020 I notice I have some voice mails I listen and they have been calling me on XX/XX/XXXX and XX/XX/XXXX asking me to call them to confirm,1 message states that they will be there as schedule between the hours of XXXX and XXXX then the other messages stated if I didn't call them back by XXXX they were going to cancel my delivery. I tried call them on XX/XX/XXXX, no answer I sent message through there website and the last message was if you don't delivery my furniture as schedule I need for you to remove the charges from the credit card account, know one has reached out to me as of the XX/XX/2020. I called Synchrony on XX/XX/XXXX and XX/XX/XXXX and I asked them to removed the charged due to them canceling my delivery again and they said the first case I put in was cancelled I would have to submit another claim. I asked who cancelled my claim and the agent could not tell me and I asked what was the finding and she could not tell me ... at this point I just want them to remove the charges of XXXX dollars I still owe XXXX for the carpet that I did receive total charges were {$2000.00}. At this point I believe the store and Synchrony is in this together to try to charge me for something they know I didn't receive.
Consumer complaint received 2018-11-27
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. (AZ)

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I recently check my XXXX XXXX and notice accounts that I have never applied for. These accounts were : 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 2018-11-27
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. (AZ)

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I used a credit monitoring service to review my credit as I am about to purchase a home and found several erroneous accounts dating back to XXXX. I have not opened or authorized anyone to open accounts with 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9.XXXX XXXX XXXX  10. XXXX XXXX XXXX in my name at any time.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One, Amt {$10.00}, Due XX/XX/2021 My amount was {$10.00} due on XX/XX/2021. I called Capital One twice with long hold wait time, no one picked up the phone. My purpose of called was to dispute this amount because I was unable to recognize the charge. Since no one answered the calls, I decided to pay the amount on capitalone.com, then dispute the amount {$10.00}. My payment was submitted a few minutes after XXXX XXXX. Since XXXX XXXX  was their cutoff time, its website took my payment on XXXX instead of XXXX. I have called Capital One a few times just to advise them my payment and dispute situation. Unfortunately, it's a long hold wait time or no one answered the phone. Today the XX/XX/2021 at XXXX XXXX  I finally spoke with a Capital One supervisor named Ms. XXXX, ID : XXXX. I explained to her the situation about why payment was submitted passed XXXX XXXX. She put me on hold 70 minutes for another manager, then she told me that she can not adjust {$28.00}. She refused to provide another manager name. She was very rude and hung-up the phone. I strongly believe that during this Covid crisis Capital One should be more understanding this economic difficult time.