davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc. (CA)

My Experian account was hacked into. I have called Experian numerous times with no option of a live operator. Experian also does not encrypt or censor personal information. 

My personal email was changed by the hacker and for the last month I have been locked out of my Experian account with no option of freezing my account. My Experian account has been completely taken over by someone else.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National Bank {$200.00} Checking Bonus - Promotion from Valley bank. 
We have open the account and satisfied all requirements for direct deposit and amounts. 
Bank is not crediting the promotion amount of {$200.00}.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

LoanCare, my previous mortgage servicer, shorted my escrow account by {$1800.00} more than two months ago and has still not refunded my money. I have tried to resolve this matter through ( at least ) 16 phone calls to LoanCare dating back to XX/XX/2019. Each call was answered by a call center representative who was unable to help me. After several calls, I began to ask to speak with a supervisor. I would then get routed to the supervisors extension where I would be placed on hold for 30 to 40 minutes before my call was answered. I recall that on at least three occasions my call was disconnected. 

Here is what I have learned through my phone conversations with LoanCare staff and a review of my payment history which I accessed from LoanCares website ( See attached document ; I have highlighted the key transactions in yellow. ). 

On XX/XX/2019, my account was mistakenly credited with another borrowers payment in the amount of {$1800.00}. 
The {$1800.00} was promptly refunded to the other borrowers account, also on XX/XX/2019. 
A second transfer of {$1800.00} was mistakenly made from my account to the same borrowers account on XX/XX/2019. So, the borrowers account contains {$1800.00} that is my money. 
XXXX at LoanCare researched my complaint and acknowledged these errors in our XX/XX/2019 phone conversation. She acknowledged that I was owed the {$1800.00}, which would be refunded to me. She advised that I was to receive a phone call from LoanCare as early as the following Monday ( XX/XX/2019 ) to confirm that the check would be sent. I have yet to receive the call or the check. XXXX has been the LoanCare employee most responsive to my situation ; however, I have not been able to reach her for status, even though I have left messages for her to call me with two other employees.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (GA)

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I
Consumer complaint received 2019-02-20
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. (GA)

I went to co sign for my partner e. car and was denied. I was totally surprised because I have severe.I paid off cars on my credit. I went and pulled my credit and there e.re things on my credit that are not mines. I contacted my local police and FTC. Imm also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. Please remove these items from my credit. I
Consumer complaint received 2021-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I contacted the mortgage company concerning my balance. They sent me a hard copy of payments and balance. I disagreed and asked questions, where I was told to hold on so that they could transfer me to different people. My husband an I purchased this home, XX/XX/1997. We did refinance 3 times and we also filed for bankruptcy. During that period of bankruptcy, we continued to make our monthly payments and we have never been late on our payment even until now. While reading my credit report, I see that we have a balance of more than XXXX. When we purchased our first and only home, the home coated, XXXX. This is our 24th year in our home and have made regular payments every month. We now owe more on our home than what it is worth, and to factor in that we never missed a payment throughout the process of home ownership, except during the time of going through the refinancing process. Our dream is to own our home as we have entered into our senior age. At this age and time we will never own our home and after all the sacrifice we've put into this home, it will never belong to me and my husband. My husband and myself are now XXXX but we still continue to be responsible and manage our everyday living. We would love for someone to look into this matter. Please feel free to contact us, ( if needed ) for additional information. Thanks!
Consumer complaint received 2019-11-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T EQUIFAX AND XXXX DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-06-30
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: National Credit Systems,Inc. (NC)

I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.
Consumer complaint received 2019-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called Transunion on multiple occasions regarding these inquires appearing on my Credit Report from dates back in 2018 they were not there about 2 months ago now they have been inserted, I did not authorize or didn't get any type of notification on where or why they are on my report. I've tried calling the company 's along with Transunion and the representative refuses to assist with this issue. 

Hard Inquiry on XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (PA)

I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a  validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (UT)

On XXXX an alert notified me that a collection account had been reported on my credit report. The collection company, Allied Collection Services , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX. Phone : XXXX, reported a collection from XXXX of {$3900.00}. I disputed the collection account and requested an investigation. I requested validation of the account, as is my right. I did not hear back from the company or receive any documentation. I disputed the collection a second time. This time the following statement appeared on my credit report. " Subscriber reports dispute resolved- consumer disagrees ; original creditor XXXX. '' I have made several attempts to contact the company to resolve this issue, but after being on hold for over 15 minutes each time my call was " dumped '' into a voicemail box where a mechanical voice assured me I would receive a call back. I still have not heard from this company. This is an abuse of critical information. Allied Collection Services has been given the power to report to the 3 credit bureaus.When these collection agencies report errors they are more than errors they are errors that literally affect one 's future.The information provided in my report is used by lenders, insurance companies, employer 's and others who use this information to determine my credit worthiness, the price I will pay for credit and MY character. The consumer should NOT be penalized for a business ' bad business practice. Additionally, when collection agencies are unable to validate a debt it should be deleted completely from all three credit bureaus within 24 hours. This would allow a Rapid Rescore to restore ones report. Debt tagging is the term used in the collections field for a situation in which an innocent consumer is " mistakenly '' blamed for someone elses overdue debt, usually because of a similarity in names or some other type of mix-up. Allied Collection Services and other collection agencies use this tactic as a last ditch effort to collect the debt or collect information. They are hoping that by reporting these debts on every XXXX XXXX that they will get someone to say, " Hey this isn't me, maybe it's my cousin. We share the same name. Call him at XXX-XXX-XXXX. '' Debt tagging is wrong and should be illegal. Innocent people end up paying thousands of dollars because of this lazy business practice.Perhaps they will instill better reporting practices if THEIR errors directly affect THEIR bottom line. Repeat offenders should be banned from reporting to credit bureaus and fined. Allied Collection Services, Inc. has numerous complaints logged against them on the XXXX, XXXX and consumer protection. As far as I can tell, no action has been taken against them.
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (OH)

XXXX XXXX, XXXX, EXPERIAN RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

In XXXX of XXXX a judgement was file against me by XXXX XXXX XXXX XXXX XXXX even though I was making month payments as agreed. I was told it was taken over by another company. They garnished my wages in XXXX and in XXXX I was told that I still owe them and the debt was transferred to Cooling and Winter. I have payed these people and they are still trying to collect an additional XXXX plus dollars. The order they initially filed I never received. I need papers showing this has been satisfied and they still saying I owe them for court cost and fees which keeps this acct opens.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

MY CREDIT CARD WAS USED TO CREATE THE ORIGINAL EXTENSION OF CREDIT FOR THIS TRANSACTION, MEANING I AM THE ORIGINAL CREDITOR. AS THE ORIGINAL CREDITOR I WAS NOT AWARE OF ANY DEBT ( S ) WOULD BE APPLIED TO MY CREDIT CARD FOR SIMPLY EXTENDING MY CREDIT TO CAPITAL ONE. I WAS NOT AWARE THAT ANY FINANCE CHARGE WOULD BE APPLIED TO MY CREDIT CARD. PLUS THIS ALLEGED BILL APPEARS TO BE IN THE POSITIVE. CAPITAL ONE HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS CAPITAL ONE IS ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CAPITAL ONE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CAPITAL ONE REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (VA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (DC)

I called the 3 Credit Bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX is attempting to collect on a debt and Negatively affecting my credit for a debt that they failed to validate by providing improper documentations from XXXX. 
I found a collection account on my credit report by XXXX XXXX XXXX ( CCS ). I disputed the debt with them and they mailed a summary final statement from XXXX. My initial dispute letter to CCS detailed that this was not a debt that I owe and I requested detailed validation to include the automobile ( s ) and policy period for which they provided coverage. CCS did not comply with my request. A simple letter from XXXX just stating the balance owed without identifying the Vehicle ( s ) covered and not including the coverage period is not sufficient to prove that this is legitimate. I sent a second letter to XXXX and they failed to respond to me. I also mailed a letter directly requesting this information and again XXXX failed to respond. It's been about 4 months now and CCS still has this on my credit report. 
I want this DELETED from my credit report, I want proper documentation to support this debt and the opportunity to investigate it and respond accordingly.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (GA)

I received a XXXX Credit Card on XXXX XXXX and want to cancel the account immediately. 
I tried to fax the request to ( XXXX ) as instructed on their phone message on XXXX XXXX as well but your fax number did not work either. 

I tried calling numerous customer service number listed in the credit card booklet but all were the same automated message. 

XXXX has an address mail the cancellation request and it is in XXXX, GA in their booklet and I will send that well but I wanted to file a complaint so no one else will fall into this trap. 

XXXX Customer Service Number I called are : XXXX XXXX XXXX XXXX All of the above are the same automated message for XXXX XXXX XXXX XXXX.