davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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. (NM)

I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active Experian : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues
Consumer complaint received 2022-03-14
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: AmeriCollect (CA)

I got admitted into the hospital of XXXX XXXX  in XXXX Nv. When the insurance paid my portion of the bill the was a remaining balance to be Paid the original balance was {$1400.00} and I was making payments for 3 months and they stopped billing me and sent it to collections with my notice and ruined my credit rating I had a sore of XXXX and now its XXXX from one occurrence and no notice it was going to collections so what I would like to happen to finishing paying my bill and have the negative credit score on my file and to get my score back. Americollect should have not done this it shows I have a balance of {$790.00} but they didnt give me the opportunity to finish paying it back, what they did was dishonest!!!!
Consumer complaint received 2022-10-10
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. (CA)

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX BANK Inquired on XX/XX/2022 ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

In 2013, my husband was in car accident and total lost our XXXX XXXX XXXX. The insurance appraiser came out to assessed the vehicle and settled the car as a total loss. I was notified by the insurance company that they settled the total loss payment with the lender. At this point, we were without a vehicle and driving a friend 's car. Following the accident, the GM Financial did n't give us an opportunity to purchase another vehicle ; therefore, we were with a vehicle. As of today, the lender GM Financial has continued to harass us for a vehicle that we no longer have in my possession. We have receive threatening phone calls and letters ; and have also reported negatively to ALL XXXX credit bureaus which is affecting my buying power. We no longer have any business dealings with GM Financial, however, this company has been haunting me about an issue that should have been resolved 4 years ago. At the end of the day, GM Financial has ruined my credit making it impossible for me to get another vehicle loan.
Consumer complaint received 2022-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

hello, when Microsoft makes an offer, that says Free trial, you can cancel any time. I give them my credit card, which was blocked because it's very hard to cancel, they keep on charging that blocked credit card, and one day they put the charge on my open card without my permission when I complain about this and the credit card co. closed that card and issue a new one, one day they charged again my new card, I show the credit card co. the cancellation notice from Microsoft, and they still charge my card and close the complaint. 
please help me, XXXX  # XXXX
Consumer complaint received 2022-10-10
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. (SC)

This is my 5th 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 records 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 an alleged fraud or extortion. 



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 2022-10-10
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. (FL)

It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-10
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : 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 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MA)

I spoke to XXXX XXXX at LoanDepot regarding refinancing my home to get cash out to complete necessary repairs in my home. We discussed paying off debt which was my car loan, student loan and XXXX XXXX credit card and mortgage. I would get approximately XXXX cash to complete repairs. My mortgage at the time of this call was with XXXX mortgage XXXX intrest rate morgage monthly was {$1500.00}. Once XXXX did the initial approval I was then given to a loan processor XXXX XXXX. I spoke to her once on the phone and at no time did she inform me or discussed with me that there was a {$89000.00} lean on my home and it would have to be paid off. I knew about the lean but I thought the lean was to be paid off when I sell my home or at the back end of the mortgage. When I reviewed the closing disclosure I did see XXXX ( Lean holder ) but I was under the impression that it was perhaps an appreviation for me. I signed the closing and did not realize that I was not getting any money was on the 4th day after closing when I did not receive a check. I did receive the checks for the student loans, XXXX XXXX and car loan. When I called the attorney 's office I was then informed that I was not getting any money. Loan Depot delibrately did not tell me about the lean so that they could close. I was up front with XXXX that I wanted to do necessary repairs on my home and it was the only reason why I was refinacing at a higher interest rate and mortgage increase. I am now obligated to pay a XXXX interest rate on XXXX. My monthly mortgage payment has increased by {$700.00} {$2300.00} and I did not receive money for repairs. I paid XXXX in closing costs for LoanDepot to tell me that it is a done deal and there is nothing they can do for me. The final closing was on XX/XX/22. When I spoke to the attorney she was very confusing she stated that I had to pay {$1900.00} for closing but on the other had she also asked me if I had paid the mortage for XXXX. I thought the money I was paying was becasue I had not paid the mortgage for XXXX and it had not been included in the payoff amount.
Consumer complaint received 2022-10-10
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. (NY)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A. (CA)

I am a victim of predatory practices from XXXX. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX and XXXX attorney to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from Judge XXXX, attorneys XXXX, XXXX and XXXX.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, XXXX is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ XXXX monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.
Consumer complaint received 2022-03-14
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. (CA)

This is a complaint againsXXXX XXXX XXXX XXXX. I've dealt with the XXXX people/employees anmed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , they all claimed to not work on commission. The people I dealt with told me that I'm making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as XXXX XXXX passes, 5-day stay in Hawaii which I never did get or able to use. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I didn't know how to cancel, they never properly educated regarding cancellation, like how many days to cancel and such. Having this timeshare just gave me hardships, problems caused by this even make me lose sleep and its just extremely stressful for me. I had the worst experience with this timeshare, they won't let me use my points, can't book trips on birthdays, can't use the daily rate pricing ever. You have to forfeit your points if you don't roll over twice they told me once. I felt I was profiled, I'm young and I'm an XXXX XXXX. I was highly pressured with their sales tactics. They kept lying and dodging or simply just not answering questions honestly. I was led to believe I can book without using points whenever at the lower nightly rates, I tried multiple times and was never able to at the rates provided. I was never able to use points, it didn't even roll over as they said it would so I ended up losing all the points, and still expected to pay fees without points. I was simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Creditor has not provided verification of this debt including evidence that I owe this debt. 
On XX/XX/2019 I requested a formula verification of this debt as a key details were missing from the creditors response.. Specifically, I would like information Showing that I am legally responsible for this debt as I never had an account with the original. I have received no further information on this collection and it is still on my credit report..
Consumer complaint received 2022-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (TX)

I received a collection letter from Cascade Capital Funding , LLC in XXXX of XXXX dated XX/XX/XXXX for my visit to XXXXXXXX XXXX Hospital on XX/XX/XXXX in the amount of {$1700.00}. 
My health insurance was with XXXX XXXX at that time. I contacted XXXX XXXX and was provided the following information for that date of service. The amount was {$1300.00} not {$1700.00}. The contracted amount with XXXXXXXX XXXX  Hospital was for {$120.00}, the amount paid by XXXX was {$120.00} and the patient 's amount to paid by me ( the patient ) was {$0.00}. 

Additionally, I believe this is a fraudulent attempt to collect on the behave of XXXXXXXX XXXX Hospital, ( who has been closed for nearly a year to date ). I never received a billed from XXXXXXXX XXXX  Hospital prior to its closing for any of its services, since did have insurance.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Consumer complaint received 2021-04-14
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)

The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MN)

I applied for a XXXX XXXX XXXX for City Bank ( Costco XXXX ). After getting a denial letter Page 2 Paragraph 2 it says, " If you have any questions, Call at XXXX ... ..., '' I called said # and there was no way to talk to someone about the denial. I was forced to call a total of 4 times to finally get to someone to talk to. 2nd and 3rd call the rep for active accounts just kept sending me to the dead-end phone tree. After speaking with a rep which supposedly can be reached at a different # XXXX I have not had a reason to test to verify. I was told that Citi blanket denies all people with a bankruptcy on their XXXX credit report regardless of time since bankruptcy. He also admitted there is NO underwriter that can override a denial for any extenuating reasons. I believe this should be stated on their application for credit. I would never have applied and now I have a negative ding on my company 's credit score due to this blanket policy. It is to be noted My company has never filed bankruptcy and does not even have a single late payment. I personally had to file bankruptcy 7-8 years ago and since then i have built my credit to perfection with only one late payment in 7 years due to a technicality... I feel as though this is deceptive business practice. What is in it for them for me to apply if they're not even going to accept me anyways??? Now they can sell my information or do whatever they want, and I was NEVER going to get anything from them but a smaller credit score .... This needs to stop.