davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have made several attempts to resolve incorrect items being reported to Transunion. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. DPT EDXXXX XXXX 2. XXXX- XXXX 3XXXX XXXX XXXX 4 . XXXX XXXX XXXX XXXX 5. XXXX  XXXX- XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2021-03-26
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

I noticed reporting chase in my credit report. 
I disputed with them, and their collections companies they hired all collection companies and Chase failed to provide documentation verifying the debt. 
this. problem has been happening for 1 year. they have failed to provide documentation neither delete the accounts. 

By law statements of a bill or a print out of a bill does not constitute verification of the debt. chase has failed FCRA & FDCPA law. Also failed to mark the account disputed within not within 30 but never. 
Please help me clear this matter with them before filing locally to court.
Consumer complaint received 2020-11-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (TX)

The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with Career Point college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.
Consumer complaint received 2021-06-06
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. (NY)

XXXX XXXX on XXXX  is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (NM)

In XXXX oXXXX XXXX I was in a severe motor vehicle accident, and spent 5 days in the trauma unit of XXXX XXXX XXXX XXXXXXXX Hospital. I was insured by XXXX XXXX XXXX at the time, and they initially denied coverage for some of the XXXX medical bills. I appealed that denial, and was successful in my appeal. During the lengthy appeal process, several bills were sent to Transworld Systems Inc. ( TSI ) by XXXX for collections. I informed TSI that they were disputed medical bills, and that I was appealing their status with my insurance company. I had also communicated the dispute to the XXXX XXXX XXXX XXXX Hospital billing department long before they sent the bills to TSI for collections, and I made TSI aware of that fact. I continued to inform TSI that the appeal was ongoing, and yet TSI reported them as delinquencies to the credit bureaus in what I feel is a violation of 15 USC 1692e ( 8 ).

TSI is continuing to report inaccurate negative information on me to the XXXX XXXX and XXXX credit reporting bureaus. I have attempted several times to resolve this issue with TSI via phone and fax, but have been unsuccessful. I have also contacted XXXX XXXX XXXX billing, who has informed me that only TSI can address my issue. I have documentation of my communications with TSI and XXXX if that is useful to you. I have also filed disputes with each of the three credit bureaus, only one of which ( XXXX ) has removed the negative reporting. 
The items being reported are shown as account on my credit reports. The items are four medical bills place with TSI by the XXXX XXXX XXXX XXXX Hospital Medical Group between the service dates of XXXX XXXX 2016 and XXXX XXXX. 2016. 
It is also worth noting that I paid the bills out of pocket while the appeal process with my insurance company proceeded. I mentioned this to one of TSIs representatives on the phone, who then indicated that by paying the bill I was myself implying that the bill was legitimate, which I feel was a false representation subject to 15 USC 1692e ( 2 ) ( A ). My credit reports do show the items as paid, but that does not remove the negative reporting of collections. 
Presuming I can upload a file with this request, I am providing supporting documentation of the illegitimacy of the disputed items. This documentation includes a communication from XXXX XXXX XXXX indicating that my dispute had been resolved in my favor. An Explanation of Benefits ( EOB ) is included which details the charges for the period of the dispute, of which some are the subject of the false delinquencies being reported by TSI to the present. This EOB show that some bills were initially rejected, and then paid after the dispute resolution. 
Because the bills which were sent to TSI we the responsibility of XXXX, and XXXX has confirmed that, I feel that it is wrong for these items to adversely affect my credit rating.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian did not have the information from this creditor 100 % accurate and yet it is still be reported on my report. I have reported this to them plenty of times but they have yet to delete this off my credit report. Things inaccurate on from the creditor includes : address on documentation does not have same address as credit report, amount owed are different from documentation from credit report, along with balance, and other things.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (DC)

PNC has been informed of 2 disputes in XX/XX/2020 during covid wherein my debit card was charged by XXXX ( {$30.00} ) and XXXX ( {$100.00} ) without authorization. The bank is unable to gather additional information from the companies causing the money to be fraudulently taken from my account.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My monthly mortgage statement shows " Outstanding payments, fees, and charges '' of {$15.00}. I tried to pay this {$15.00} in each of my XXXX and XXXX payments. I clearly wrote on each XXXX and XXXX payment coupon " Outstanding fees '' and " XXXX ''. However, Bank of America did not apply the {$15.00} to outstanding fees, as shown in the XXXX and XXXX billing statements.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/13, I used XXXX twice for what turned out to be an imposter posing as a friend of mine on XXXX. Needless to say, the promised grant funds were never delivered. This involved {$1000.00} and then {$1000.00}, totalling {$2000.00}. I immediately recognized the scam that even and started a dispute process with the bank. Needless to say, a month later, escalating the matter to everyone but the CEO, I am still getting nowhere.
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (FL)

i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.DPT EDXXXX- XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (IL)

On XXXX, I received a credit alert about a hard inquiry from XXXX XXXX XXXX. I immediately froze my credit through Transunion as they were the ones reporting the inquiry. 
On XXXX I called XXXX XXXX XXXX and they said they do not see an application on their end and I should call Transunion. I immediately called Transunion and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I currently hold a credit account with Capital One and the reporting account is XXXX. I have had the credit rebuilding card with Capital One for just over a year and have been making all my payments on time. I have an extensive history of making timely payments regardless of the agency backing my financing. 

However, my credit score is going down and not up. I was well above a 600 within a year maybe even at near half way to 700. When I log into the Capital One phone app I see the score, reported by XXXX, bobble up and down. I check the score monthly. For a year the score went up and bobbled a little but now it is just going down after every payment. These are not large payments right now. I'm not working a lot. The card is to help me with a small business. I have reported Identity theft of my IRS statement this year already. They tried to get me to pay for the stolen money. I could not believe that. I need someone to look into why my credit score is not being reported fairly. I have no open accounts with any other business other than maybe a few banks and one other credit line with XXXX  but, I don't use that card at all. Someone used my information to purchase XXXX with XXXX 's website so I stopped using it.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way DO YOUR JOB AND DO THE RIGHT THING AND GIVE ME MY MONEY BACK SINCE YOU FAILED TO PROTECT ME!
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from Portfolio Recovery from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for XXXX XXXX. I called the number back and spoke with someone who stated they were attempting to collect debt for XXXX XXXX. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called XXXX XXXX and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.
Consumer complaint received 2021-10-18
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: CITIBANK, N.A. (MO)

I applied for only one card, one time and was approved however Citi ran my credit twice and I therefore have 2 hard inquiries on my XXXX credit report from Citi Bank. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my XXXX credit file showing the 2 hard inquiries. I need Citi to please remove one of the hard inquiries.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InvestiNet LLC (TX)

InvestiNet sent me a letter stating I owe {$24000.00} to them and they would take a payment of : Option1. {$14000.00}, Option2. {$7900.00} in to lumpsum payments, or Option3. {$1500.00} in a payment of 12 months. This is fraud and I do not owe the InvestiNet or XXXX XXXX XXXX any money. This company is acting on a fraudulent debt.
Consumer complaint received 2021-08-20
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)

Equifax has the worst customer service ever, they are very rude and do not follow the FCRA!! They lie and never investigate with real people they use automated service to handle investigation! A real human would see these accounts are inaccurate! I have call so many times for months with horrible service and I sent multiple letters snail mail for 6 months and they refuse to help me during this pandemic! They are the worst every with disputes because no human being actually looks at your letters they use a computer to verify. I feel betrayed and discriminated by this company. They make money from keep my credit report inaccurate Equifax reopened and reaged this account US DEPARTMENT OF EDU XXXX the account status is wrong also The balance owed and amount paid are all completed inaccurate!! 

The balance and past due on on US DEPARTMENT OF EDU XXXX is wrong it is inaccurate! Equifax update false information without doing a real investigation in the inaccurate information! 

The reported balance and past due amount on XXXX XXXX XXXX XXXX is inaccurate and very wrong. Also the payment history is fabricated and incorrect. Equifax did not do any real investigation at all. It like they use some automated service with not real hands on person!! 

Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it shows {$0.00} with no payments but they are keeping it to hurt my credit. 



Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it show {$0.00} with no payments but they are keeping it to hurt my credit.
Consumer complaint received 2020-08-31
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. (FL)

I've contacted Equifax regarding this XXXX account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.
Consumer complaint received 2024-02-25
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)

On XX/XX/2024 I filed a dispute with Transunion and received a final investigation on XXXXUpon receiving an updated consumer report I still noticed fraudulent accounts on my report, and received no information on how these accounts were verified.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (SC)

I was contacted last year around XXXX by Credence Resource Management, I was told I owed them a balance of {$490.00}. I quickly realized I have never had an account with this company and asked them to verify the debt and send over a wet-ink signature of the contract I signed. I did not get this however I did get it reported on my credit file and it has an open account date of XX/XX/2022. I believe this is when they bought the debt and came after me to pay a debt that was already paid off.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

XX/XX/2021 - receive Escrow review indicating monthly payment will increase {$600.00}. BSI used incorrect property tax figure. 
XX/XX/2021 - BSI tax department obtains correct property tax amount and acknowledges to us it has done so. Promises to recalculate monthly payment based on correct amount. 
XX/XX/2021 - date by which BSI promised to provide a revised ( lower ) monthly payment would reflect correct property tax amount. 
XX/XX/2021 - most recent call to BSI, resulting in third message on voice mail of escrow department, with no return call
Consumer complaint received 2017-12-13
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. (FL)

XXXX XXXX client XXXX XXXX is an ID theft victim. Her information was used to apply for accounts with XXXX XXXX without her consent. While no accounts were established the fraudulent applications left inquiries on her credit reports. After several disputes TransUnion credit bureau is advising the inquiries are factual record and has refused to remove them from the credit file ; this is a direct violation of the FCRA.
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Both Transunion and XXXX XXXX are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/year>. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to this company.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (FL)

XXXX XXXX is saying that I owe on a loan that I never took out this loan was opened when I was overseas on a missionary trip for over a year I never signed or opened a loan at XXXX XXXX XXXX XXXX  can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking XXXX XXXX to court and Sue them for my lawyer fees and my light detector test XXXX XXXX has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make XXXX XXXX pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which XXXX XXXX  will have to pay my lawyer fees and for the lie detector test result I present in court