davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Solutions, LLC (KY) (FL)

I viewed my credit report and saw a debt collector on it by the name of Credit Solutions account number XXXX. I disputed as I was bewildered because not only did I not know the creditor, I did not have any derogatory creditors on my credit reports so this as extremely upsetting. I contacted Credit Solutions and they told me I needed to contact XXXX XXXX XXXX XXXX which was also listed as the original Creditor. However, I contacted them because they ( Credit Solution ) had it listed on my credit report. Well, before hanging up Credit Solution stated that I owed {$1200.00} to XXXX XXXX XXXX. I stated to them, this was almost a year ago XXXX XXXX XXXX nor Credit Solutions contacted me, I saw this derogatory reporting on my credit report and that is n't fair and this was paid by my insurance as I am XXXX and have XXXX insurance which I provided XXXX XXXX with my insurance card when I went to the emergency room. I then contacted XXXX XXXX in which I spoke to 3 different individuals stating that they billed XXXX instead of billing the correct insurance XXXX insurance. I was told that they would submit the claim and within a few weeks the claim should be paid and they will have Credit Solutions to remove from my credit report. I have called XXXX on several occasions and for some reason each rep is still saying that they did not submit to XXXX so they could be paid. This is not right for this organization to be neglectful and put on my credit reports.
Consumer complaint received 2020-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is  being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

I have many new accounts with XXXX XXXX. And just a few weeks ago the Bank closed all my accounts, I then received several letters in the mail, each letter was identical in its explanation. The letter pertaining to one of my accounts said that my account was closed for Dishonored payments on other accounts. All of the letters stated the same thing. However I was a victim of identity theft and fraudulent accounts were opened in my name at the same Bank. I reported these fraudulent accounts to the Police, FCRA, Attorney General Office, and the Federal Trade Commission. 

I have never had a dishonored payment on these new accounts. Since these accounts are new I never even received a billing statement or due date. However I did make payment on accounts that I did use, example my PayPal extra master card. I paid it in full and that was the only account I got to pay that hat a due date. 

This company is getting these accounts confused with the other accounts that were fraudulent. This company has totally destroyed my credit report and score. I have every documented letter from the fraudulent accounts that this bank sent to me. This company asked for many different pieces of identity to mail them. I complied and mailed them all documents. Apparently when they received my documents I was told by another XXXX  Specialist that they were confusing fraudulent accounts with my current accounts. My current accounts were never late and again I just opened these accounts a few weeks ago. Even before I got to use some of these accounts the bank put a temporary block on my account. 

This is really ridiculous and what they did to me, and how they clearly destroyed my credit reports. This company has made so many mistakes. Mixing up closed accounts and saying I dud not make on time payments, I have evidence and recorded conversations from Their XXXX   team stating I do not have any billing statements yet, I also have proof from customer service along with names, dates times and phone numbers. 

I want this bank to fix my credit and reinstate my credit, or fix the mess they made on my credit reports
Consumer complaint received 2020-04-26
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. (NJ)

On XX/XX/2020 I submitted a dispute letter to Transunion stating and labeling specific inaccuracies with a Negative Account named XXXX XXXX - XXXX. 
I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation to my disputes at all. 
the original dispute letter which I uploaded to this complaint along with the suppoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. This is the same information I mailed to Transunion on the XXXX. 
this has been well over 30 days and as of the 31st day Transunion is in violation of the FCRA as it pertains to the dispute process as well as inaccurate and false reporting. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, TU- {$0.00}, XXXX- {$5300.00} 3. Reporting 3 different Balance amount, XXXX, TU- {$0.00}, XXXX- {$5800.00} 4. Date of last payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted. 
These are just some of the multitude of errors that I disputed specifically and no investigation was ever started.. 
A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSIONS OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS 3 DIFFERENT WAYS. 
It's obvious that Transunion did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Real Time Group, Inc. (MO)

In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to  XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). 

XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). 

Real Time Resolutions refuses to comply with the State Of XXXX  request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. 

I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX  and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. 

Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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: ALASKA COMMISSION ON POST SECONDARY EDUCATION (WA)

I went through a hardship after I graduated from college. I couldnt pass the XXXX to secure a job. My wife and I moved out of Alaska to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the Alaska Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.
Consumer complaint received 2021-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (PA)

In XX/XX/2015, I reported to Regional acceptance Co that one accounts had been fraudulently opened in my name on XX/XX/2015. Regional acceptance instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Regional acceptance Co that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Regional acceptance co that I owe them. Regional acceptance co is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-02-21
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. (FL)

ON MY EXPERIAN CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX
Consumer complaint received 2020-04-26
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have a credit monitoring service that I pay monthly through XXXX. I should be receiving all 3 credit reports monthly. However I have only been receiving from XXXX  and XXXX. Equifax has not been making my credit report accessible, despite the fact that I have been paying for it monthly. 

I called Equifax on XX/XX/2020 and they said that they do not have a reason why I can not access my credit report.
Consumer complaint received 2021-08-08
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: EQUIFAX, INC. (MN)

I've noticed a 17 point drop of my Fico score with Equifax on XX/XX/21 not given an clear explanation to what cause the drop. I'm not happy with this drop and will like for this to be further investigated!

Please resolve.

Thank you.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Starting a couple of years ago, I was getting collection calls for someone name XXXX XXXX ( I don't know the spelling but it sounds like that ). I have had my phone # since XXXX. I tracked down the original caller who said it was debt from a hospital. I called the hospital and they couldn't do anything about the calls. I continued to get calls, no matter how many times I told the caller I am not that person, don't know that person and that person gave them a wrong number, they persist. I received yet another call XX/XX/XXXX at XXXX from Radius Global Solutions. I took the name down told them they had the wrong number. I was put through to the  supervisor and told him also they had the wrong number. 

I have tried over and over again to get them to stop. It is not my debt and I don't know who the person is.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

My husband and I used our Chase sapphire credit card reward portal to book a rental car for our honeymoon in XXXX. The cost of the rental car for 7 days was {$120.00} or XXXX reward points. When we arrived at the XXXX airport XXXX desk to pick up our car, we were told by the sales agents that the car was not insured and the cost of car insurance was {$500.00}. Given the risks of driving without insurance, we opted to purchase the insurance after I spent some time trying to reach out to chase unsuccessfully ( international, time zone difference ). The cost of the rental car was not one we budgeted for and has put a significant strain on us financially. Once we arrived back home, I was able to look into the fine print a bit and realized a couple of issues. First, our credit card offered rental car insurance but they did not automatically remind us of this after the booking of our car. Secondly, they have a close relationship with XXXX who also must have known that we used rewards to book the car and that chase credit cards offer car insurance. This felt like a greatly fraudulent transaction where Chase gives us a " reward '' without doing their due diligence to serve the customer and then XXXX reaps the benefit of tricking consumers into purchasing insurance that their credit card may have offered. This entire interaction feels completely disrespectful of the consumer and leaves me feeling taken advantage of and abused by Chase.
Consumer complaint received 2019-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I filed a dispute to have a item on my equifax report removed and when I called them to get a update they asked me a few security questions which was fine I answered the questions and they still tried to tell me that it wasn't me they asked if I have other credit cards or department store cards which I said yes they asked what was the monthly payments which I told them and then asked if I had fraud alert on my account and if so what month and year I told them no I don't recall having that on my account they asked me one more question which I can't remember now but I answered it I gave them all my other account information and still got treated as if I was someone else and this from the company that had a major security breach I can go to the website and login but didn't see anything about the dispute so I called them if you can give me any help to take legal action against them it will be greatly appreciated because I am tired of them and their XXXX I gave them all the information I could and still got no help please help me with any information about how to take legal action against them
Consumer complaint received 2024-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PNC Bank N.A. (GA)

My HELOC Loan was suspended by PNC Bank for no cause. I had gotten the HELOC loan about 2 years ago and had not drawn out any money from the HELOC at any time. I received a letter from PNC that they are suspending my HELOC loan because my credit score had dropped. I have created a XXXX video that provides more details about my situation. XXXX XXXX XXXX XXXX XXXX XXXX When I tried reinstate the loan I had to provide my tax return, a notarized letter that I wanted my HELOC reinstated. It was like as if I was re-applying for the HELOC. 

My reinstatement was denied and they said that their decision was based on XXXX.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

I have called several times. Sent e mails and got one call back. I missed it she left a callback number and I tried to call the person over 20 times left messages every time and never got a call back or a response.

I was going through consumer credit counseling and had paid all my debts but the last one. One of the previous three was a USAA personal loan which they settled no problem. The last was USAA credit card and on XX/XX/2018 they FORGAVE the debt and sent me a 1099 which I had to report on my taxes as income,. Now they are reporting it as a debt that was not collectable on my credit report and they are dinging me every month for a late payment when they forgave the debt.

USAA also sent me a bill three years after I had gotten an auto quote with them and said I had a policy I never paid. I never took out a policy because they were a lot higher than the company I eventually went with.
Consumer complaint received 2021-09-01
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. (PA)

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and Transunion are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2022 I was notified by chase bank that a new checking account in my name had been opened. As this wasnt me, I immediately went to the bank and filed a police report for identity theft and the account was closed. There were details in the account with another email, phone number, and address that could have lead to discovery of who opened the account and if they had personal information such as my social security number etc. Chase told me they couldnt disclose this to me but only to the police. I spoke with police multiple times, they requested information from Chase, but Chase never responded to their inquiries.
Consumer complaint received 2024-02-01
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. (PA)

Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.