davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
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. (CA)

Disputes were taken off the credit loans are paid off the credit score got lower instead of moving up it moved in the opposite direction with no legitimate reason on why the credit score was dropping instead of moving upward things are coming off  the credit loans are getting paid but the score was continuously getting lower intentionally
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 — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

This complaint is to inform the CFPB that XXXX and LVNV FUNDING, LLC have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my XXXX and XXXX credit files. 
Partial account number XXXX. 
LVNV FUNDING, LLCs thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I opened up a new credit card with Citi Bank over a month ago. I already have one card with them, and I opened the new card with all the same info ( name, phone, address, etc ) Now, after 6 weeks and hours on the phone and online chat with them, I still haven't received the card. I pulled my credit report and the card is being reported on my credit report to all the bureaus, even though the card is not yet activated and I have never received the card. Is that legal?

One customer service rep today said the card has been returned to them as returned mail twice for wrong address. After an hour on the phone we finally discovered that Citi has a different zip code than is listed on my online profile and account. However, they still haven't changed the zip for me, even though it goes to a nonexistent address. They keep saying the will call me back, but fail to do so. At this point its been over a month, the card is on my consumer credit reports with all the bureaus, and I have no access to it. It doesn't look like I'm ever going to get the card in the mail, and I literally can not get anyone from customer service ( either online, fraud department, customer service department, new account opening department ) to follow up with me and fix the issue. It just seems absurd that no one at Citi is able to fix a Zip Code error that is only showing up on their end. I even tried to just cancel the card, but they said I can't because it isn't showing up on my online profile yet ... because I haven't activated it yet.
Consumer complaint received 2021-04-12
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: Experian Information Solutions Inc. (VA)

I am unable to get the report from Experian. 

This is the error I get when I perform the steps to get the Experian report : A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

I called Experian, and got a ticket opened. Experian closed the ticket saying they fixed the issue with my social. They said there were two numbers against my account because of typo error. 

Report Number : XXXX Investigation ID : XXXX  When I attempt to get the report, I get the same message.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX VA XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-04-27
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)

I recently mailed letters out certified mail to Experian and XXXX to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/19 I received a call from CapitalOne credit card advising me of charges being made to my account from XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In the amount of {$1500.00}. 

After informing CapitalOne we did not make the charges they removed them on XX/XX/19. 
However, after further investigation I was inform since these were not made on line. I am responsible. My attorney XXXX XXXX wrote them and I have filed a police report and still they say I'm responsible and they are done with their investigations.
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (UT)

I paid off my XXXX  lease to KIA Finance in XXXX XX/XX/2024. I submitted all necessary documentation for title release at XXXX and I got promise from KIA Finance that title will be released in XXXX business days and mailed to me. I did not get title during XXXX  days after all requirements were done to get title. I called to them several times. They are keeping to tell me that title was released and will be shipped but I did not get title and they are not confirming that they shipped title to me, telling different stories " why '' it will be going to take care to ship but didn't not shipped and I can not register and drive car which I paid off.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

As a gesture of goodwill, could you please request AMEX to remove the one time late payment on XX/XX/2020. Ive been on time payments with them ever since. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

This is my second complaint. As of XXXX/XXXX/XXXX American Accounts and Advisers responded by saying they would have the original creditors send me itemized statements as I requested and alleging that I had already received these at the time of service. To date, now 30 days later I have received nothing from any of the original creditors nor anything from American Accounts and Advisers verifying any of these accounts they claim I owe.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. 
And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX CAPITAL ONE : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. 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 you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I have sent them numerous letters asking for proof of debt and they have yet to provide me anything with my signature. I have never done any business with this company and they are reporting on my credit report a collection account.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I attempted to contact the credit agency directly to dispute what was being reported on my credit report. The mail was returned.i contacted Experian showing that the mail was returned and that they had to remove the item from my credit report as it was reporting wrong information. Experian decided the information was valid and continued to report the information.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (CA)

Thank you very much. 
I wrote the attached letter to Experian over a month ago and did not receive an answer. 
The only thing I received was an emailed copy of Experians routine dispute form. Report # XXXX with the middle name correct this time. 
The issue I raised with them may be related to problems I have encountered with ordinary transactions ( not credit ; I dont borrow ) even though my credit score is between XXXX in the past few months.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXX XXXX  received a phone call informing me a transaction was attempted of {$720.00} on my Amazon XXXX Visa card XXXX XXXX OH and I should call Amazon Customer Service XXXX I called Chase bank  customer service which issued the card and Amazon Customer service, both stated that transaction was not evident on my account and recommended reporting it as fraudulent.
Consumer complaint received 2018-06-14
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.
Consumer complaint received 2021-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

The company, XXXX XXXX XXXX, purchased a debt from Ad XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from Speedy Cash, the original debtor.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

I am being harrassed by a collection agency XXXX XXXX XXXX XXXX XXXX XXXX on behalf of a compounding pharmacy ( XXXX XXXX XXXX for bills that accrued during 2020. I was insured by not one but two insurance companies during the time of these bills, but rather than properly bill the insurance companies, they are pursuing {$10000.00} from me. 

From the time of the first bill until XX/XX/2020, I was covered by XXXX XXXX. From XX/XX/2020 through the date of the last bill, I was covered by XXXX. 

I have informed XXXX and TSI on numerous occasions of my coverage, with specifics, but to no avail. I even sent copies of the bills to both insurance companies on behalf of XXXX. However, the bills have not been paid and I am being told that I am responsible for these bills. 

I can not continue to do the jobs of these people, and I am not responsible for bills that should have been paid by these insurance companies. Can you please help me?
Consumer complaint received 2020-11-04
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. (MA)

I am trying to get an issue resolved with XXXX XXXX and have disputed it through Experian and XXXX but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, XXXX XXXX received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called XXXX and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by XXXX again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to XXXX XXXX. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by XXXX, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by XXXX was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want XXXX to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.