davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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: EQUIFAX, INC. (NC)

I obtained a copy of my credit bureau today to learn that an item removed in XX/XX/XXXX as result of dispute has reappeared I wasnt given any notice before Equifax added the collection item back on report The item in question is a collection listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never signed a contract with this company or done and form of business with them I have never received any letter or call since there is no contract the company can not collect
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (FL)

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, Equifax, and XXXX credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, Equifax, and XXXX credit reports immediately.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have reached out to Experian credit to dispute inaccurate information on my credit report and they have yet to correct the issue, I have submitted documents over to them about inaccurate information and told them to remove it because they a violating the fCRA and still have this information on my credit report that is inaccurate. 

The three accounts that are in dispute for inaccurate information and need to be removed due to that are as followed, also attachment are included to verify this 1. XXXX XXXX XXXX ( inaccurate payment history 2 XXXX XXXX ( balance is incorrect and this is not a charge off account ) 3. XXXX XXXX ( balance is incorrect and not a charge off account )
Consumer complaint received 2019-11-13
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as ChexSystems and XXXX XXXX XXXX  have a XXXX XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Consumer complaint received 2021-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MD)

I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a 1.4 star with XXXX review, 1 star with XXXX, 1.23 star with XXXX, and not even XXXX accredited. Yet they can intrude on consumers credit report and harass consumers.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX  later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I locked my self out of coinbase on XX/XX/XXXX while on XXXX I withdraw my money for total XXXX with coinbase and everytime I am submitting my photo to get a new password coinbase refuses to let me in my account ... .I withdrew my money out on XXXX and coinbase is refusing to give me my money back
Consumer complaint received 2019-07-15
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. (GA)

To Whom It May Concern : I initiated disputes in XXXX of XXXX, and followed up with the disputing process beginning XX/XX/XXXX. Since XX/XX/XXXX, I have asked the credit bureau, Experian, to assist with getting these items from XXXX XXXX XXXX and XXXX removed from my credit report due to it being an error, the collection agency for verification and validation of the debt, and another request to the credit bureau requesting a re-investigation with the provided documentation that the collection agency failed to verify and validate this debt. 

My consumer reports shows that there is a fraud alert on my files due to information that isn't mine and accounts showing up on my report that did not belong to me, but because of similar names and state of residences, their information was intertwined with mine through the collection process of " skip tracing ''.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX : Today, I received a letter in the mail from Shellpoint Mortgage Company about this letter being the second and final notice about homeowners hazard insurance being expired and that Shellpoint Mortgage Company plan to buy insurance for my property. 

Shellpoint Mortgage Company has not sent a prior letter about homeowners hazard insurance and is threatening to purchase property insurance, should this document not be provided immediately.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Heartland Resolution Group, LLC (TN)

Heartland Resolution Group sent me a collection letter dated XXXX XXXX XXXX trying to collect a debt from XXXX. They did not send me notification that they had acquired my debt and did not verify my debt. I had been receiving collecting calls from them as well before I changed my number. They are trying to collect on a debt that is over 11 years old! This is unacceptable and violates the Fair Debt Collections Practices Act in numerous ways. I called them once I recieved the letter and they told me the client withdrew their request to collect the debt and not to worry about it. I asked if I will receive a letter saying that and they told me maybe.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Conspiracy to commit fraud. XXXX XXXX XXXX and her elder sister XXXX XXXX. XXXX took XXXX into XXXX XXXX XXXX on XXXX XXXX, in XXXX TN. On around XXXX. Where XXXX XXXX XXXX Pretended that her elder sister XXXX XXXX was me XXXX XXXX. Where XXXX and her sister XXXX and the family of XXXX XXXX XXXX who are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Where they fraudulently open online banking. Bank cards and other bank XXXX ... At XXXX XXXX XXXX, as well as other banks. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -BANK, XXXX XXXX , XXXX XXXX  ( online. XXXX ) - Bank XXXX ... And fraudulently continue controlling accounts in my name using my # SS. Without permission or authorization from me XXXX XXXX. Where they continue to control and spend larger amounts of my money up to XXXX XXXX, XXXX. XXXX XXXX XXXX and her family live at XXXX XXXX, TN XXXX. XXXX XXXX XXXX elder sister XXXX XXXX lives at XXXX TXXXX XXXX XXXX, IN XXXX. The XXXX family and XXXX XXXX have all conspired against Me to commit fraud.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (OH)

To Whom It May Concern : First, they didn't reply in a timely manner to my initial letter and failed to provide me with a copy of any viable evidence, bearing my signature, showing the last payment on the account being reported accurately. 

I sent a dispute letter is a follow up to my original letter dated XX/XX/2020 regarding an inaccuracy in XXXX, Experian 's as well as XXXX 's credit reporting, regarding the entry being reported as a charged off account under XXXX # XXXX for {$21000.00}. 

XXXX to date has a $ XXXX class action lawsuit for unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. 

XXXX profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. I just want to start over and purchase my first home in 6 months. 

My credit will be in great standing after this is corrected. 

I sent this final goodwill attempt to have you help clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I have maintained a careful record of my communications with them for the purpose of filing a complaint with your organization. ( Consumer Financial Protection Bureau ). My next move is to contact the Attorney Generals office, should they continue their noncompliance. 

Thanks in advance for your assistance
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

My father in law ordered service from XXXX XXXX. He put the service on delay for the winter because he traveled. When he got back, he was told he was in collections. They used my name as a creditor for him and then put me into collections. He never received one thing from them. After fighting with both XXXX and Credit Collection Services, I just paid the {$120.00} to get rid of the aggravation and asked them to remove from my credit report. After paying, both companies refuse to remove from my report. I refuted this with XXXX and they took it off my report but the other 2 companies still have it on. So for {$120.00} false charge, I now have to pay over {$2500.00} in closing cost. I will be seeking a lawyer unless XXXX XXXX removes this from my report. They said it's not their policy but it's also a bad policy to bill someone errantly, never send any notice, then put a mark against their credit and then do absolutely nothing to resolve it once someone pays it. All I am asking is for an email stating they will remove this from my report so my credit goes back to 800+ where it belongs. 

Thank you.
Consumer complaint received 2021-08-18
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 (NJ)

Several disputes have been filed with the Capital One Auto finance and I called and still have no resolution. 

They continued to report on an account which was closed in XXXX of XXXX and in XXXX of XXXX they reported the account as negative. When I asked them to correct I was advised I needed to provide proof of an on time payment. There is no payment to be on time. And it is the obligation of the agency to ensure corrected information in their reporting The account literally shows that they closed it in XXXX of XXXX which was why it was closed. I would not have any proof to provide that they had received payment and I never received anything with documentation of the loan being closed.
Consumer complaint received 2022-08-28
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. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DATE OF BIRTH : XX/XX/XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX GA XXXX EXperian Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX TRACKING CERTIFIED # : XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX TRACKING CERTIFIED # XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau : XXXX, XXXX, EXPERIAN Im responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : 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 TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUALABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Consumer complaint received 2019-07-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my wife and I initiated a credit investigation via postal mail. Over 30 days have past, and we have not yet received responses. We were supposed to have responses by XX/XX/XXXX.
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was working one day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it
Consumer complaint received 2024-02-08
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. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ). Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thankyou for your understanding and prompt action.
Consumer complaint received 2019-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (TX)

This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.
Consumer complaint received 2019-07-15
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. (GA)

I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX, XXXX, and TransUnion ) fail to do their job in deleting the items.