davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XX/XX/XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this.

3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment. 

I have spoke to XXXX, Experian and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
Consumer complaint received 2022-02-20
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. (MD)

Based on, XXXX XXXXXXXX XXXX  XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( XXXX ) IN GENERAL Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-06-05
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

My name is XXXX XXXX and I an XXXX  member of the United States XXXX. Between XX/XX/XXXX and XX/XX/XXXXmy identity was compromised, and numerous items were taken out in my name, Helvey & Associates has been notified by the armed services identity theft division of the breach yet is still reporting a balance of {$1300.00} for electric services with XXXX XXXX that I never took out. Please have XXXX XXXXXXXX XXXX remove this item from m XXXX, XXXX, & XXXX report.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX will not update the balance after its been paid and their accounts reflect that. First of all if it's a charge off and you send it to a collection company it should be updated to {$0.00} and paid because you don't own it nomore. Second when somebody decides to pay it update the balance ASAP to {$0.00} and paid. So if XXXX can't update all 4 accounts to paid with a {$0.00} balance they need to delete it because it's inaccurate reporting.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to contest certain inaccuracies present on my credit report, which I obtained from your company. After receiving my Consumer Report, I have identified the following disparities : 1. Incorrect personal details listed on my Consumer Report. 
2. A XXXX account which is not my account furnished on my report These inaccuracies are negatively impacting my reputation as well as creditworthiness and do not accurately represent my non public personal information in accordance with my rights under the Fair Credit Reporting Act. I kindly request that you promptly investigate and rectify these errors. 
To support my dispute, I have included relevant documentation to substantiate my claim. The supporting documents consist of : A ) A copy of my Drivers License B ) A copy of my Consumer Report C ) A copy of a W-2 I respectfully request a thorough investigation into the disputed information and an update to my Consumer Report accordingly. It is crucial to maintain the accuracy and integrity of my credit history to ensure equitable access to credit opportunities and financial benefits.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX 2018 Bank Of America
I did not authorize any hard inquiry with this company.
This is fraud.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emerald Coast Collections, LLC (IL)

After reviewing my credit report on XX/XX/20 I noticed a collection account from Emerald Coast Collections for a " XXXX XXXX XXXX MD PA '' in the amount of {$480.00}. Not only do I not even know a XXXX XXXX XXXX XXXX XXXX, but I haven't been to the doctor 's since I was serving in the U.S military from XXXX and now I only use doctors from the Veterans Association. On top of not knowing XXXX XXXX XXXX XXXX XXXX, I have never received a bill from any doctors office. When I XXXX XXXX XXXX XXXX XXXX XXXX, an address of XXXX XXXX XXXX, XXXX XXXX, IL XXXX appears. I have NEVER been to XXXX XXXX in my life. I am requesting that Emerald Coast Collections provides proof of who XXXX XXXX XXXX XXXX XXXX is, any bills that are in my name from XXXX XXXX XXXX XXXX XXXX, any correspondence from XXXX XXXX XXXX XXXX XXXX, who XXXX XXXX XXXX XXXX XXXX actually is and where he practices medicine, and what the bill in the amount for {$460.00}. If Emerald Coast Collections can not furnish all if this information, I am demanding they delete this account for {$480.00} from XXXX XXXX XXXX XXXX XXXX off of my credit report IMMEDIATELY.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

I did not authorize any hard inquiry with this company.
I do not recognize company this was fraud.
This is fraud. 
I did not make any Inquiry for a loan on XXXX XXXX 2018 through this company XXXX.
Consumer complaint received 2018-01-26
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 — Was not notified of investigation status or results
Company: Early Warning Services, LLC (FL)

On XXXX XXXX I notified Early Warning they have incorrect information regarding myself w XXXX XXXX -- - Matter was adjudicated with XXXX back in XXXX -- - It is now XXXX. And they report incorrect information.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with LAW OFFICES MBA plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, XXXX XXXX, XXXX XXXX, Transunion is reporting two medical accounts in my credit report, Transunion is violating the new laws that say medical accounts must wait 6 months before they can be placed into the report, both accounts are from XXXX
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Eagle Accounts Group, Inc. (NY)

I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed all of my Citi credit cards with no contact. I was using Citi cards for many years, paid my bills and annual fees on time. From last XXXX, I was out of US because the Covid 19, so I missed 1 or 2 payments, but paid off in second after I found that. Sometimes, Citi.com wasn't easy to login outside USA, also the Citi App. I have good financial condition, and many investments. I don't understand why Citi closed a loyal customer 's accounts, for only few dollars interest and late fees. And I was paying the interest and late fees. Also, Citi confiscate all of my cash back rewards, around {$500.00}. I need to protect my rights. Never receive any letters which explain the reasons how the decision was made, even I asked Citi couple times.
Consumer complaint received 2019-03-06
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. (NY)

Recently going over my report noticed XXXX XXXX XXXX from XX/XX/2019. This was done without my consent. As I have no knowledge of this. Did not sign anything with XXXX or call up and request anything. I am unsure how this happened. Was not authorized by me and is fraud. I was told I should come on here so that this can all be cleared up.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

I purchased a car using XXXX XXXX to secure the loan in XX/XX/XXXX. In XX/XX/XXXX, : - ) have not been able to reach them. They no longer are a company. As a result of XXXX XXXX improperly not reporting my own finances are negatively affected. I've tried calling numerous times to no avail.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

The falsehoods of Wells Fargo and XXXX never end. My lawyer said they will not forgive any of the principal because my house is worth more than the {$410000.00} loan. Anyone who has seen our house knows that it is a knock-down house. It is one of those cheaply built houses ( for XXXX ) built in XX/XX/XXXX. Our house is especially in bad shape. The front steps are literally falling apart, the metal railing with the concrete is split off from the main part. The back deck is rotted in many places. The fence around the deck is mostly broken off. The ceiling in the basement is 7-feet high. I hit the ceiling when I do jumping jacks. I had to tear out parts of the walls because of mold. Upstairs the kitchen and main bathroom are falling apart. The kitchen floor is old and torn up. Windows are old and hard to open. There is an old pool in the back yard but the tiles have cracked off. It is NOT an asset. A buyer would have to fill it or put a lot of money into building a new one. The front and back yards look terrible. It is a knock down house. There are houses on my street that were knocked down and rebuilt. Two or three of the original houses were built well and well maintained. New houses in the neighborhood are worth much more than {$500000.00}. No one has inspected my house and given it an evaluation. Builders will only pay {$300000.00} at most for my house. Ask Wells Fargo and XXXX to provide proof. 

What are my rights? XXXX  sent a modification yesterday. Will I jeopardize the modification and risk losing any mortgage if I continue to fight these legitimate claims of corrupt practices? Will someone please call me to discuss my filed complaints? XXXX XXXX XXXX
Consumer complaint received 2016-11-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NJ)

To my knowledge, I was never late on my Ford Motor Credit auto lease with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have tried to even pay way before my due date.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Central Credit, Inc. (CA)

My name is XXXX XXXX XXXX I had filed a previous complaint against XXXX XXXX XXXX complaint # XXXX I called them today @ XXXX and asked for a XXXX XXXX Desk XXXX l2nd letter received from them when I asked to validate the debt. 
When I asked XXXX if he was a collection supervisor or collections department manager he paused, I asked him again if he was a collections manager or a regular collections rep, he responded " I am a collections manager, I asked if he was the departments collections manager. XXXX XXXX then said " I have collection accounts that I manage '' I advised them that why did he say he was to collections manager since that was misrepresentation to his company. I asked for his collections manager and all he kept doing was going in circles saying the same thing. I who is you collections manager again then he hung up. XXXX XXXX Desk XXXX has violated the FDCPA for claiming to be a collections manager.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I purchased a home, paid down the loan caught Ocwen putting Principle monies towards payment XXXX times, I moved, and rented the house out, I took out Landlord insurance with XXXX XXXX. Claim # XXXX The renters vandalized the house and XXXX gave me XXXX for damages. The check was put into my name and XXXX. I sent the signed check with all their required Docs. they received it on XXXX XXXX 2015. In their letters they say how my fist draw will be in 7-10 days, today is the XXXX, ,I called and got the run around. First I was told they did n't get the check, then they did n't get the paperwork, it was all in the same package, then I was told, '' oh we see we got the check, but we need the paperwork '' ... I told them it was all in the same package ... ..Then it was " oh lets see if we can find it '', I 'm getting the royal run around with these folks, holding up the construction and selling of this property but I 'm still making Insurance and mortgage payments on a house no one can live in!
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020, I mailed a cashiers check in the amount of {$1200.00} to Capital One to settle my account. I was told by a Capital One employee that I had to mail this check. Using the P.O. box address given I mailed the cashiers check overnight which should have arrived at Capital One no later than the XXXX of XX/XX/2020. I have tried repeatedly for someone to find out what happened to the check and why my account had not been credited accordingly. I have been patient  for 19 days for a check that I learned was cashed on XX/XX/2020. The dispute team had the audacity to ask why I was rushing this which was very rude and in no way helped to locate the check that was mailed to a Capital One P.O. Box. One supervisor from the dispute team told me that there is no number to call to contact the person that retrieves the mail from that box or the overnight address. This is completely unacceptable.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm in the process of purchasing a home and TransUnion credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact TransUnion to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-06-05
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. (MD)

I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.