davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and How were these accounts verified by virture of proper documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX someone called XXXX at XXXX ( XXXX XXXX ) and knew my pin number and account number. 
At XXXX my phone was deactivated and the number was hooked up to a pre-paid T-Mobile phone without my authorization. 
At XXXX I received an e-mail from Chase that my debit card was hooked up to my XXXX XXXX ( my credit card was hooked up at the time ). I immediately called, because I did not do this. 
I checked my bank account and saw the following charge : {$5400.00} Card Purchase With Pin XX/XX/XXXX Apple Store # XXXX XXXX XXXX XXXX NY Card XXXX XX/XX/XXXX around XXXX I called Chase bank to dispute the {$5400.00} charge and they told me to file a claim XX/XX/XXXX I went into XXXX and discovered what happened to my account XX/XX/XXXX -- I filed a police report XX/XX/XXXX -- I faxed over my claim to Chase bank XX/XX/XXXX -- I called Chase Bank and they told me I was denied. I was told Chase called my phone number and the person validated the XXXX XXXX purchase ( but my phone was shut off at XXXX that day ), so someone else validated the claim XX/XX/XXXX -- I got a hold of the executive office and I sent in the following : identity theft report on the Federal Trade Commission police report letter from my work verifying that I was at work in California on XX/XX/XXXX a detailed letter with any account numbers and phone numbers of people that have have proof that I was in California at the time of the purchase. 

Chase bank refused to look at any of my evidence and just told me no. I was told that I needed XXXX to write me a letter that stated I was in California on XX/XX/XXXX. However, my work and the police department can verify that I was in California on XX/XX/XXXX. XXXX will not write the letter,
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

Good morning, As of XX/XX/2022, Southwest Credit Systems , LP alleges that I owe them a debt of {$160.00}. I am not liable for the debt nor do I have a legal written or verbal contractual agreement with Southwest Credit Systems , LP. 

XXXX has already removed this account from my credit report. I'm requesting that this information also be deleted from my XXXX and XXXX credit reports, many thanks.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (WA)

I have a hard inquiry from Fortiva MC/TBOM for which I did NOT authorize. I have contacted Fortive multiple times and they keep sending me a form letter saying that I applied for a XXXX  credit card, which I did NOT. They have a " Pre-Qualify '' link with NO impact to credit report which is ALL I did. I did NOT authorize nor did I apply for a XXXX  account. I need your help in getting this inquiry off of my credit reports. Thank you in advance for your help!!
Consumer complaint received 2022-09-13
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. (TX)

My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: YSA ARM LLC DBA Oxygen XL (NJ)

XXXX has denied my dispute for the following company XXXX XXXX XXXX Oxygen Recovery Group ). This company has an open lawsuit in the state of NY for this reason. XXXX is ignoring all the facts put forward by me XXXX. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office XXXX XXXX is under my company XXXX XXXX XXXX XXXX XXXX XXXX office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that XXXX remove this entry by XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (VA)

This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, XXXX, nor on the number ( XXXX ) we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has XXXX XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed over 4 separate letters with XXXX, Transunion and XXXX   each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card
Consumer complaint received 2020-08-21
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. (TX)

I have disputed a fraudulent account. XXXX XXXX XXXX collection through Experian. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? Experian is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.
Consumer complaint received 2020-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (NM)

The debt attempted to be collected and affecting my credit is for a bill due to an ambulance service being used. At the time I was picked up by the ambulance I had and still have XXXX coverage. I attempted several times to contact the collection company and they refused to allow me to provide documentation proving XXXX coverage at the time of service provided or assist in getting it paid by my XXXX Were extremely rude and I felt they did not do anything but try to bully me into paying it. I've disputed multiple times and they refuse to remove from my credit. I should not be responsible for a bill/charges that were incorrectly billed by the hospital, when I had valid medicaid coverage that would have paid the bill at the time services were provided.
Consumer complaint received 2020-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

On XX/XX/2020 I submitted a request to change my payment due date from XX/XX/2020 to XX/XX/2020. I received an automated message that my claim would be process within 10 business days. I received correspondence that my new due date would be the XXXX of each month. However, in the Fedloan Servicing System, I noticed that I still was receiving a message that my monthly payment was still due on XX/XX/XXXX. I called on or around, XX/XX/XXXX to confirm that my new due date was the XXXX. The representative I spoke to assured me that my new due date was the XXXX and advised me to ignore the late message. After I received a two days past due message, I called Fedloan Servicing on XX/XX/XXXX to confirm, and was told by a different representative that the information that I was given by the former employee was incorrect. As such, I was forced to make the payment to avoid have negative information reported on my credit, despite requesting a timely due date change and despite being given incorrect information by the first representative.
Consumer complaint received 2020-07-20
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)

Someone in XXXX  and Transunion  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advantage Financial Service LLC (Idaho) (ID)

Advantage Financial Services/XXXX XXXX XXXX Orginal Amount of Debt : {$1300.00} Interest being charge : {$43.00} ( 12 % annual ) Received a phone call middle of XXXX to collect a payment that was charged in XXXX. I never received notification via phone or email that this debt was outstanding prior to this call. Confirmed with the representative that they had the incorrect address. A new statement was sent to correct address on XX/XX/XXXX. They are attempting to collect 12 % interest. I refuse to pay interest on a debt I was never notified on. On XXXX I called to pay original amount and close account. The account representative, XXXX, informed me that they attempted to call and that they left multiple voicemails, claiming they have been calling since XXXX. I never received a call from them until XXXX and when I asked for verificationproof of calls he stated that they are not required to do so and he told me to call back at a later date. 

I called the original provider, XXXX XXXX XXXX XXXX XXXX, they outsource the medical billing to another company called XXXX XXXX XXXX. Confirmed that they had the incorrect contact information. Attempted to pay them direclty for the orginal amount, but they claimed that they have no ability to help me now that Advantage Financial Services is involved.
Consumer complaint received 2024-02-22
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. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I upgraded blue cash everyday card to blue cash preferred card with promotion of get {$150.00} statement credit after spending {$1000.00} within first 6 months on XXXX XXXX, XXXX. I upgraded the card through a link from the promotional email from American Express. I did spend more than {$1000.00} within 6 months, however, they didnt give me {$150.00} credit. I called them almost ten times, from last year till now. At the beginning they said the promotion is {$150.00} credit with {$1000.00} spending within 3 months! I said I keep the email and I could show you. They said theyll investigate this, probably within 10 or 14 business days. I waited but no solution. Then I called again, they said open inquiry and still no solution. And everyone said differently.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAROLINA FINANCE, LLC (NC)

I lost my job back i XXXX XX/XX/2020 I had given them a heads up about my payment that I wouldnt be able to make them in time due to me losing my job its been hard to find a job I have been working a full time job but only work part time due to its not very busy and it DONT pay much I told XXXX XXXX XXXX from Carolina finance I dont have enough I can make a XXXX a week till I get a settle job because is hard times for me right now, he said its not hes problem I dont have a job that the payment still have to get done, so I asked em how am I to find a job make what I was making when everything is close down due to the pandemic he said it is hes problem.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

I bought an apartment and used FirstBank Corp Puerto Rico as a mortgage lender in XX/XX/XXXX. At the closing the real estate property taxes were supposed to be paid for by the mortgage company as the HUD statement says they took the balance form the seller proceeds so that there is no property tax debt when I become the owner. 

I've been trying to reach them since XXXX because the local property tax agency still shows a debt from before my purchase and is constantly sending me tax bill collection letters for preXXXX debt that I do not owe. 

Upon contacting the bank several times in XXXX, XXXX, XXXX and this year I get no resolution. It was about a week ago when I was told by one of their customer representatives that the check was sent and never deposited by the property tax agency. 

The debt stands at almost 50 % more of what it was and I need this bank to settle it to zero  as I am in the process of a sale of this property. 

Note : ALL my taxes from the moment I acquire the property until today are paid for and zero debt from my end.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a XXXX XXXX for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am being disregarded as a consumer in law. My report contains inaccurate information that is not 100 % accurate. To add to this, I reached out numerous times and never get a proper response.
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

Submitted a loan application to Waterstone Morgage in XX/XX/XXXX. Lender has never provided a loan estimate even when all documentation has been submitted. Requested more information on how to obtain the estimate, a preapproval letter and more information on down payment assistance programs. Received notification that when proof of funds is provided the letter will be issued and that they will take care of the downpayment assistance. They again did not provide the loan estimate.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.