davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as XXXX XXXX Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.
Consumer complaint received 2021-06-07
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: General Motors Financial Company, Inc. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (UT)

The company was not forthcoming with information that I had NSF fees due to them pulling and re pulling a payment. The company charged me every time that a payment was ran, while my bank shows that the only attempts made were successful. This cost me XXXX $ at the end of the line of credit. There was no notice on my account that anything was wrong. I was told that I could change the due date later, but as I showed each payment went through successfully I did not feel this was necessary. The way they charged these fees was very deceptive and they would only waive 45 %. This company is fraudulently charging NSF fees to make more money.
Consumer complaint received 2022-01-11
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: NATIONS DIRECT MORTGAGE, LLC (CA)

My wife and I were hospitalized with XXXX XXXX during XXXX of 2021 and subsequently my wife had a XXXX XXXX  and is still hospitalized. During this time my property was for sale but the transaction was not finalized until XX/XX/2021. We are in the process of buying a replacement property utilizing a XXXX exchange but the lender who is processing our loan advised us that that there are two late payments been reported by Nations Direct Mortgage, XX/XX/2021 and XX/XX/2021. I contacted Nations Direct Mortgage, explained our delicate and challenging time we endured but completely disregarded our request. Now if my XXXX mortgage payment was not received by the first, shouldn't they have assessed a late payment fee but not a late reporting on my credit when they, Nations Direct Mortgage, were paid off on XX/XX/2021. ( Payment was due for XXXX, payment was added to total payoff demand and paid again on XX/XX/2021 ). It would help us immensely if your office helps us resolve this matter with Nations Direct Mortgage. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. We need your help. Thank you.
Consumer complaint received 2021-05-25
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. (LA)

Since XX/XX/XXXX I have been trying to get Transunion to simply follow the FCRA laws and ACCURATELY report the information that creditors send them. Unfortunately they are mishandling a system built on ACCOUNTABILITY! 
There are 7 student loans from XXXX XXXX XXXX that remain on my account. All of which look like a special XXXX student reported it. I have proved screen shots with accounts numbers so you can go back on your own and double check. 
XXXX XXXX and XXXX are the only Two late payments that are reporting and they are wrong. How the XXXX can I go from being on time one month to 90 days past due in ONLY 30 days! Then the very next it states I was 120 late. This is done on all 7 accounts and is damaging my score only because XXXX XXXX XXXX isnt reporting correctly AND TRANSUNION IS ALSO REPORTING THE SAME NEGATIVE INFORMATION!!!! 
Each time I submit a complaint they claim they will open an investigation and it only buys them another 30 days because they always respond with the same answer. 
This is my final set before I pursue legal action against BOTH COMPANIES because just because one made an obvious mistake doesnt mention the other gets to lie about verification of a debt! Unless they are above the law! Its been 120 days since my first complaint and response. 
If you read the comments on my Report which I screenshot and enclosed they tried to be a smart XXXX and put that FCRA investigation performed consumer disagrees and thats basically a slap in the XXXX face. How did you verify it if its humanly impossible for time to move that fast? Make it make sense or follow the law and remove this still since I have not received ONE signed agreement Or statement of an account that would prove I was ever late paying this company. It even says NEVER LATE on the credit report. Im sick of them playing games.
Consumer complaint received 2018-03-06
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: ENCORE CAPITAL GROUP INC. (CA)

I disputed a collections account for {$820.00} with XXXX XXXX XXXX, at the beginning of XXXX, 2018. I was notified that the account had been removed, due to the fact that I do not have a contract to pay this company. Immediately after being notified that the debt had been removed, I was notified that the account had been added back to my credit report. I have no contract to pay with this company, and they need to remove this from my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I closed my Amex XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. There was a XXXX credit in the account. Amex said it had issued a credit balance refund check to me on XX/XX/XXXX. However, I did not receive the check. I reached out to Amex. Amex said they had cancelled the check, and will instead credit my existing XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. So far on XX/XX/XXXX, I still have not received the credit on my Gold card, despite having reached out to multiple representatives at Amex.
Consumer complaint received 2021-08-18
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. (TX)

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. (VA)

The account XXXX on my credit is reporting inaccurately and is causing injury to my financial and creditworthiness. I have disputed this item with the Equifax and they continue to report the debt. There is no Original Creditor listed, there is no contact information for the creditor, there is no way to verify this debt. I have disputed this debt on multiple occasions and it still reports inaccurate and missing critical information for me to properly contest it. There is no last date verified however it's showing last reported XX/XX/2024, who reported it? The FRCA demands fair and accurate reporting and this is far from that. I have attached XXXX of my most recent credit reports to show you the inaccurate reporting that continues although I have disputed this account multiple times.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2019 usbank froze my account they informed me that I would have to wait until XX/XX/2019 to receive my funds when they closed the account. So I waited and today XXXX they still denied me access to my money telling me I have to wait until XX/XX/2019. I have waited a month already. I need my money.this is way to long.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Skopos Financial, LLC (CO)

XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. 

Company is Skopos Financial phone number is XXXX
Consumer complaint received 2021-11-04
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX Balance {$1900.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CREDIT MANAGEM XXXX Balance {$1900.00}
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I am so upset with Huntington bank right now. I made a payment for my car on XX/XX/XXXX in the amount of {$470.00}. The check didnt go through and I was fined by my bank. I called on XX/XX/XXXX to Huntington to see if this payment would try and come out again before I made my car payment again. She said no the {$470.00} will not come out of your account go ahead and make another payment so I did make another payment of {$470.00}. Wouldnt you know they both DID end up coming out and at the same time! We have other bills to pay. Like what the hell? So I called again really ticked off on XX/XX/XXXX. A girl named XXXX said she was over nighting me a check for {$470.00} and it will be there by Tuesday due to the holiday and if it isnt to call. Well I called back today, because its Thursday the XXXX and I have received no check. Today a girl named XXXX I think told me I will not be getting a check at all. It was denied I receive it. Like are you kidding me!!!???? Two times by the company I was told wrong! It is awful when I can not afford my bills and I was expecting a check on Tuesday so I could pay those bills. We are already struggling due to our XXXX year old being in and out of the hospital. I was mislead by this company and its very very unfair. All they want is my money. This really put my family in a financial crisis. They do not care about the well being of others.
Consumer complaint received 2021-03-28
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: Credence Resource Management, LLC (IA)

XXXX  reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to XXXX since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (AR)

Someone stole my identity back around XXXX and I discovered it around XXXX. I filed a report with the XXXX police dept report number XXXX referring to the incedent please delete from my credit report according to act 605b
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (CA)

I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners pro-gram because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX {$0.00} XXXX {$580.00}
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (FL)

A debt of {$98.00} was paid to the collection agency. Info : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX A debt owed is still showing in my credit report after it was paid and I would like to have that removed please. It is taking more time then expected Conformation number of debt paid : XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2018-02-07
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. (CA)

I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

Chime bank has repeatedly lied to me about not having my deposits then shows me proof that they had them while lying that they didn't. They also altered my bank statement so it doesn't show the actual date they received my deposits. I understand that they have a time frame for releasing deposits but they advertise that they never hold them and that's a lie
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (CA)

This was a fraudulent account that was open and i disputed everything with XXXX, XXXX  and XXXX  and it was removed from my credit report. I guess this diversified collections didnt like the result and keeps calling and harassing me. I told them several times to stop calling but they keep on going. Its more a nuisance at this point cause they just wont stop and i feel i need to change my number
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.