davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I must file a complaint against Capital One which mishandled my credit card account and caused negative information on my credit report. I am trying to refinance my house and purchase a business, the negativity on my card caused by Capital has put my plans on hold. 

In XX/XX/2019 I found fraudulent activity on my Capital One card, account ending in XXXX. I called Capital One immediately and told them to cancel the account and the card. I paid what I thought was the balance in full. Capital One sent me another card ending in XXXX which I never activated because I no longer wished to do business with Capital One. I believed that the account was closed and was paid in full. 

Earlier this month I was reviewing my credit report and discovered a Capital One Account which was started in XXXX and had been receiving regular payments. This account was not delinquent, but it was not my account. I called Capital One and was told that the fraudulent account was not mine and that they should would remove it from my credit report. At this time they told me that I did have an account ending in XXXX. I protested stating that I closed the account after paying in full. Capital One stated that the account was not canceled but suspended, running up late fees and interest payments. During this I never received any statements from Capital One, prior to my closing the account I was e-mailed by Capital One each month and made all my payments on time. I told Capital One that this was not acceptable, I was willing to pay whatever I owned at the time I closed the account but I was not going to pay late fees and interest payments. I was told by Capital One that they could not remove the interest payments or late fees. Capital One, a few days later, placed four late payments on my credit report, I called Capital One and was told that I had to take it up with the credit reporting agencies. 

So to recap, Capital One fails to close my account, they suspend it, dont tell me they suspended it, stop e-mailing me statements or mailing paper statements, run up months of interest and late fees and dont report it to the credit bureau until I call and inquire about another fraudulent account I discovered on my credit report. 

I only wish to have the late payments removed from my credit report, the account closed and to never do business with Capital One again.
Consumer complaint received 2018-06-06
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. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and TransUnion, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NY)

Phoenix Financial service on XXXX XXXX NY, NY says that I have a derogatory account with them for {$460.00} and theyre a debt collection agency. I was told that it was for a XXXX XXXX XXXX XXXX in XXXX, GA for an ER visit XX/XX/2016. I didnt recall and called the hospital myself and the operator told me that there was no record of me in the system. This derogatory account is affecting my credit negatively. After the call to the hospital, I called Phoenix Financial Service back and no one would stay on the line and hung up on me.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After previously disputing these erroneous accounts, TransUnion still deemed the accounts verified. These accounts has incorrect account status and account names. The name of these accounts are not " collection agencies. '' These accounts should have been removed from my report. Please see attached documents
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Checks got to deposit to my checking account at Bank of America and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX I wrote Equifax a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Equifax claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by Equifax on XX/XX/XXXX XXXX ( proof of service attached ). Equifax had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX. I have yet to receive a response to my request. I have attached copies of all correspondence.
Consumer complaint received 2019-03-07
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. (IA)

A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY JAIL RELEASE DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS RELEASE XXXX XXXX.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
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: AES/PHEAA (FL)

My student loans have evolved to the point where they are completely unaffordable for me. Although I have been making my income based repayments, Fed Loan reported an increase of {$500.00} to my overall amount, this in turn caused my credit score to drop by 90 points! Although I have been making my payments, they just now reported this and there is no way I can stop it. My only alternative is to find another company to service the loan. Since the loan is so large, I haven't been able to do so. If this continues, not only will I never pay the loan off, I also will never have a decent credit score. My score dropped from a XXXX to a XXXX. I feel hand-cuffed and there is nothing I can do. had I known about the IBR earlier, perhaps I could have mitigated the amount of interest that was accruing. I may never recover from this.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have try to explain this company that this debt was already remove from my credit file due to identity theft XXXX XXXX sold my information to ARS Account with out my permission. I advised them to remove from my credit file.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hawes Klein LLC (MD)

THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT
Consumer complaint received 2019-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/XXXX, I was contacted by " XXXX '' representing a 3rd part debt collection agency, representing Santander Bank, on a vehicle loan that originated in XX/XX/2007. He threatened to garnish my wages, proceed with legal action and notify my employer of my delinquency, The amount owed is {$3200.00}. This is the 8th call I have received TODAY this number and the 43rd call I have received in the past week, resulting in being harassed as well. When speaking with XXXX, he was extremely pushy with his suggestions to resolve the debt and would not take " no '' or options that I offered up for resolution. He got his manager involved and told me that I could lose everything if I didn't settle this today, offering to take 1/2 the payment today as long as the other half was paid in full by XX/XX/XXXX. This account DOES NOT show on my credit report as it was removed almost 5 years ago.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Again tis is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (MI)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2019-03-07
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: TCF NATIONAL BANK (GA)

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. These fraudulent inquiries still remain despite my submission of supporting documents. The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My wallet been missing for over a month & Half, and in that card I have my ID, Debit Cards, Social, And A Lil Slip With My Online Bankin & Password, so come to find out someone been dropping fraudulent checks & Withdrawlin Money, For Over Months, I couldnt log into online log in for weeks, then when I finally got in and checked it say I have XXXX balanced wid a returned check off XXXX, so now I think I have to pay these banks back, and come to find out I think they tried opening other bank accounts, I dont even know what to do
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (IL)

i xxxx xxxxx am writing about a previous disputed account thats on my credit profile report .That took more that 2 weeks too report that it was disputed.I 've made several attempts to dispute this negative, unverified account by USPS registered mail on XX/XX/2020. I ask that this account be immediately deleted. This erroneous account is hindering my ability to obtain funding, and causing me too pay higher interest rates!!. This violation of the fair credit reporting act ( FRCA ) should be removed forthwith per my request please ... ..
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$290.00}.
Consumer complaint received 2019-03-07
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. (TN)

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX XXXX XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Consumer complaint received 2017-11-19
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: EQUIFAX, INC. (CA)

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my Equifax report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.
Consumer complaint received 2017-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.