davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been a customer with Capital One now for about a year, and have been making on time payments. However for the months of XXXX and XX/XX/2021 I have received two late payments. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. Every time I schedule a payment to be processed on the app I choose the payment to be processed the next business day. 

However the payment always get charged at completely random days and times. I will schedule the payment the next day and it will try to deduct the funds from my account sometimes a week later! The payment system is very unreliable and has caused me to miss two payments already, as I will have the right amount in my checking account to pay my bill but the charge doesnt occur until days later causing the payment to decline due to my checking account balance being off sometimes by a few cents. 

I eventually found a solution and had to settle with a company named XXXX to submit the payments to Capital One for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the companys payment system does not deduct funds on time. I would like to remain a customer I love Capital One a lot. I just would like this issue acknowledged as my credit report is very important to me, and I truly care about paying my bills on time. 

The company itself I have no issues with. They are friendly and its a good credit card. I would like to remain a Capital One customer for the rest of my life. I just wanted to bring awareness to the payment limitations as it has probably caused others to become late on their payments as well. Thank you and I humbly ask that you help me resolve these late payments as I am a loyal Capital One customer. 

Thank you
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU
Consumer complaint received 2024-03-09
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (FL)

I have a loan with BMW FINANCIAL SERVICE and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FINANCIAL SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICE with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-05-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (GA)

I have yet to receive any follow up on requests from the loan processor XXXX XXXX. Ive left messages with sales dept and on his voicemail now and yet he never responds. I always seem to reach out to the loan officer who contends he will do his best however the loan processor will call which he never does. Ive paid this company for almost 2 years with a mortgage with no issues and now Im starting to rethink my decision.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Gotham Collection Services Corp. (IL)

I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from XXXX. XXXX sold this account to Gotham Collections. I have paid and satisfied the account with Gotham. Gotham wrote me a letter stating that the account is satisfied and requesting it be removed from my report. Gotham also stats that they can't report themselves because XXXX is the original creditor and they are the company reporting to the bureaus. However, XXXX stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by XXXX. The credit bureaus are stating that they can't do anything about it because the only company who can report is XXXX because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (TX)

I have been constantly receiving phone calls from a company called national credit adjusters trying to collect money from me. I have never heard of this company until a few weeks ago. They are calling me from a ( XXXX ) XXXX number and also from a ( XXXX  ) XXXX number. They have called me late in the evening on some occasions and won't stop even when you ask them too. On XX/XX/2018 they called my phone at XXXXXXXX XXXX and woke my husband up. He has to get up for work at XXXXXXXX XXXX and this company feels they can call you all times of the day and night! I have never owed them and i will not pay them XXXX dime of my money! These harassing phone calls started on XX/XX/2018 at XXXXXXXX XXXX I asked them to provide me with proof that i owe them and they didn't provide a contract with my signature showing I'm obligated to pay them when I've never heard of them.
Consumer complaint received 2021-01-25
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 (NJ)

Capital One is still charging me for a product that was not as advertised. I signed up to the website opricot.com which is a site that organizes options data. I was misled on the site thinking the information would be real time or updated often. Which is not the case here because the data randomly updates every few hours which makes it almost useless to trade with. I decided to keep trying it out to see maybe if they would update the information faster or if it was still usable but then I was unable to log into my account. I tired everything. I contact the site through the messaging system and checked for any updates. There is no contact information or phone number which should have been a red flag but I though that capital one would protect me. I filed the first dispute and received my {$45.00} credit but was reversed after XX/XX/XXXX claimed I was still logging in and left my account active. I was attempting to log in to remove my credit card details but the only way to do that is if you cancel your renewal at the end of the month. If you cancel the auto renewal you must close out the whole account. So you are forced to leave in your credit card details and keep auto renew enabled unless you permanently close your account which I did not want to do so I could collect evidence for my dispute. The site seems very suspicious and I have opened a ftc complain which I will attach.
Consumer complaint received 2020-09-03
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. (IL)

The credit bureau 's are reporting inaccurate information on my credit report. Im uploading a copy of my dispute letter to show you the inaccurate accounts on my report. This is illegal and effecting me negatively.
Consumer complaint received 2022-04-26
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. (AR)

XXXX XXXX XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.
Consumer complaint received 2021-05-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage was sold off to select portfolio services. I have never missed a payment. They tack on late fees and call and threaten me after curfew hours. I have spent endless hours trying to explain to them their huge mistake. They hang up, They are taking to me from their home, there are language barriers. These late payments need to be deleted for once and for all. They have brought on tremendous stress to my life, I feel like a victim.
Consumer complaint received 2020-11-25
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: TRUIST FINANCIAL CORPORATION (MN)

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SUNTRUST XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (IL)

I have received multiple calls from XXXX. The agent states they're with Waypoint Resouece Group and they want to collect a debt accruing since XX/XX/year> on a XXXX XXXX account that I don't have. They referenced my full social security number, tried to get me to spell out my full name, and told me that they would be reporting me to the credit bureau for my lack of payments. 

I did manage accounts for a XXXX XXXX company ( XXXX XXXXXXXX ), and I did open XXXX XXXX accounts for 2 phones that I believe to be what the " collector '' was talking about. I reached out to my old employer and they assured me that my name is NOT associated with any of those accounts, nor did they really know what I was talking about. 

I called XXXX and was told they show only 1 account, which is my personal home account with them, and it's paid on time, every time. I also asked about Waypoint Resource Group and was told that Spectrum uses XXXX XXXX for collections and not Waypoint. 

All the way around this is suspicious for me as a consumer. I'm extremely worried that this person will continue trying to use my personal information and there will be continued negative impact to my credit profile.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (CO)

On XX/XX/2021 Equifax updated my credit score, dropping it from XXXX ( as of XX/XX/2021 ) to XXXX ( XX/XX/2021 ) I've contacted Equifax ( XX/XX/2021 ) and reviewed this with an agent, she could not find any reason for this drop and scheduled a call back from a supervisor to assist me within 24 hours, this did not happen.

I spoke with an agent ( XXXX ) today XX/XX/2021, to review my dispute, she said it was logged as a complaint and they were not required to respond in any timeframe. She did not dispute the FALSE score, nor assist me w/why Equifax would have dropped my credit score. I was told to find the reason why it happened and file a formal dispute for that item, something they could not find. I believe EQUIFAX is in violation of FCRA and need assistance restoring my Credit score to match the other 2 CRAs.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

In XX/XX/XXXX I co-signed with my granddaughter for a new Hyundai which we financed through Hyundai Financial. On XX/XX/XXXX my granddaughter refinanced the vehicle with XXXX XXXX XXXX removing me as a co-signer. The account at Hyundai was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to Hyundai and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with Hyundai was delinquent and I paid them in the amount of {$560.00}. They told me I should have known it was not paid off. I told them it was refinanced and XXXX  signed for the documents but Hyundai does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
Consumer complaint received 2022-04-26
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. (AR)

XXXX XXXX XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (WA)

- I've got multiple account denials citing LexisNexis Report. I've been ordering NexisLexis reports since XXXX, I never received any copy or disclosures. 
- Recently in XXXX, the month of XXXX and XXXX, I requested the report through a paper application form - which was submitted on XX/XX/XXXX following an inquiry on XX/XX/XXXX. 
- Lexis Nexis on XX/XX/XXXX informed me that they mailed out a link for me to download my file. I however never received any documents - consistent with all of my experience with Lexis Nexis - I never received anything. 
- I followed up on XX/XX/XXXX, Lexis Nexis refused to look into my file. The same customer service agent, XXXX XXXX  XXXX, constantly puts my inquiry into the loop ( request to be followed up and never sent out my paper work ) - LexisNexis ignored my XXXX XXXX XXXX complaint and now I'm out in the cold without my consumer report and my right to my information is violated severely by the company. I can't even get a bank account that uses LexisNexis system.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (MN)

Discover is incorrectly displaying my balance. The math by Discover dos not add up. 

Last Statement Balance = {$850.00} Posted Transactions = {$0.00} Payments and Credits = {$0.00} Current Balance = {$1100.00} Please do the math. {$850.00} + XXXX = {$850.00}. It does not equal {$1100.00} Additionally, there is Pending Transactions of {$56.00}. Even if those the Pending Transactions are included in the Current Balance the balance would still be off by {$190.00}.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent a letter into all 3 bureas on XX/XX/2021 and I still haven't received any update in regards to their investigation. The letters were in regards to incorrect and unknown things being reported on my credit report. Its been 60 days and there has been no response. I feel like I'm being taken advantage of and being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These items should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX you've caused me.