davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Kohls Department Store-paid off account in XXXX, made a small purchase after on credit card. In XXXX XXXX, my statements were switched to paperless-not be me-with an incorrect email address also. As soon as it was realized, account was paid in full. Told by Kohls for months ( XXXX XXXX ) that it would be updated as it was Kohl 's error, lied to repeatedly, told the credit bureaus were the ones who would n't fix it, etc. Kohls is refusing to remove the one time late payment being reported to the credit bureaus, when it was indeed Kohl 's error.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (OH)

I filed dispute on items on my credit report again on XXXX-21 to Equifax, XXXX, and XXXX. stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Consumer complaint received 2020-11-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I have been disputing this debt for nearly five years. I do not owe this debt and hold a current court order showing that I do not owe this debt. Despite my many attempts to tell the original creditor and this collection agency that I am not responsible for this debt, the original creditor directs me to the collection agency and they still continue to falsely report this as my debt owed with all credit bureaus. 

I took matters into my own hands and tracked this vehicle by VIN # and sent paperwork with the website XXXX that proved this vehicle was sold in an auction and profited from the sale. I sent the sales listing for the vehicle from XXXX XXXX XXXX in Virginia - I have never been in Virginia.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me
Consumer complaint received 2017-12-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CA)

Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

It started in XX/XX/2023. They've been texting me about unknown charges on my account. I reported them those charges wasn't mine. A week later, they texted new charges. I called them the charges wasn't mine. They kept on texting about new charges. I called them explained them those charges wasn't mine and had them to close my account as of XXXX. XXXXThey issued me a new card which are same credit number and security code. And then another new charges were made in my account. On going issue, I don't know how to deal with this. I called them again disputed new charges. When I was talking to them ( fraud department ) to resolve the issue, I couldn't bear a thought that they intentionally did this.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Hello, I have reached out to ARS several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a SIGNED CONTRACT that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
Consumer complaint received 2021-02-05
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. (TX)

I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me
Consumer complaint received 2020-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (DC)

I received urgent medical care for my XXXX XXXX XXXX in XX/XX/2018. I called around looking for urgent care, because that would cost lower than emergency care, when XXXX hospital told me they had urgent care. I arrived and stated I was seeking urgent care. I received care and upon payment, they told me they do not offer urgent care and I received incorrect information from the receptionist. I paid the copay for urgent care.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (NC)

I sent a debt validation letter on XX/XX/2021 and this company has failed to validate this debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I requested a signed HIPAA form authorizing them to have access to this information which they could not and did not provide. There is very personal information on those medical records so this has not only violated the HIPAA laws but it has also caused me stress and embarrassment. Please delete this information from my credit files and cease all collection activities immediately.
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i went to the XXXX police department to have them sign my Identity theft victims complaint and affidavit with my federal trade commission identity theft report so it will support my request to block the fraudulent accounts in my credit report. please see attached updated reports with my Drivers license and social security card current copy of my utility bill for my identity.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TX)

I am filing this complaint to US BANK for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

On XX/XX/2020-XX/XX/2020my debit card was stolen along with my wallet. A total of XXXX $ was sent to XXXX XXXX  and XXXX XXXX in that time frame, I have disputed the charges filed a police report and called and reported the card stolen my claim was denied for unknown reasons. Ive submitted all the nessasary documents including filing a police report and my claim was still denied
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (PA)

This is to let you know that I applied for credit and saw a collection on my credit report from Waypoint Resource Group. I have disputed their claim. I never received any notice within 5 days of the initial communication with the consumer ( me ), which is a violation of 15 USC 1692g ( b ). They failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NV)

I contacted the collection agency to pay the amount due in Early XX/XX/XXXX. We came to an agreement that if I paid them they would update my credit report to show I paid. I did as they asked, they sent me a letter to show I was confirmed to be paid in full. They did not contact any of the three credit bureaus to update my credit to show paid in full. " Months '' went by I noticed not too long ago or currently that there still has been no update. I contacted the collection agency to ask what is going on with my account. The woman I spoke with told me they were not going to change my credit report update because I took too long to call them back about updating the credit report. I thought that I was paying them so that they would change to pay? She told me yes I'm paid in full, even sent me a new letter from their company stating I'm paid in full dated XX/XX/XXXX but told me they are not going to correct my credit report. I need help, I paid them and they still have me as a charge off on my credit report for ( XXXX XXXX/XXXX  ), ( Jefferson capital systems , LLC. ).
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX  and Experian all show an incorrect balance for XXXX/XXXX XXXX. This account has had a XXXX balance for more than 30 days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

I PURCHASED A NEW 2020 YAMAHA BOAT AND FINANCED IT THROUGH YAHAHA FINANCIAL SERVICES. I ORIGINATED THE LOAN AT THE END OF XXXX AND MY FIRST PAYMENT WAS DUE ON XX/XX/2020, WHICH I MADE ON TIME. SINCE THEN I HAVE BEEN PAYING OVER THE REQUIRED AMOUNT DUE IN ORDER TO REDUCE MY PRINCIPLE BALANCE, OR SO I THOUGHT. THE COMPANY APPARENTLY IS NOT APPLYING OVERAGE OF PAYMENT TO MY PRINCIPLE BALANCE BUT EXTENDING MY PAYMENT DUE DATE OUT. I BORROWED XXXX AND AFTER REVIEWING MY STATEMENTS AND CALLING THEM SEVERAL TIMES TO CORRECT THE SITUATION. IN FACT MAKING A REQUEST TO HAVE ALL MY OVER PAYMENTS APPLIED TO MY PRINCIPLE, THEY HAVE STILL NOT GRANTED MY REQUEST. I HAVE PAID YAMAHA FINANCIAL ALMOST {$6000.00} IN PAYMENTS AND YET MY BILLING STATEMENTS DO NOT REFLECT THAT DIFFERENCE ON MY PRINCIPLE BALANCE. THEY ARE APPARENTLY JUST MOVING MY DUE DATE OUT. THE LAST STATEMENT I RECEIVED IN FACT SHOWS THEM APPLYING ALL OF MY PAYMENT TO INTERREST? I HAVE ATTACHED THOSE STATEMENTS FOR YOUR REVIEW. I ALSO WANT TO ADD THAT FROM THE TIME I STARTED OVERPAYING MY STATEMENTS JUST STOPPED COMING UNTIL THE RECENT ONE IN XXXX. BOTH LAST AND LATEST ARE ATTACHED. YOU CAN CLEARLY SEE MY PRINCIPLE BALANCE HAS NOT BEEN REDUCED BY MUCH, ABOUT XXXX DOLLARS. WITH ALL THAT I HAVE PAID THEM, THIS CAN NOT BE POSSIBLE.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I had several communications with XXXX management team and account problem departments of which had all found that they were in the wrong concerning this debit. They had made the adjustments and I returned the phone with the agreement that the debit was satisfied. Unfortunately all my kept communications have been wiped from my files saved in my XXXX XXXX. I am very stressed to find this report on my credit. The XXXX report has impacted my credit score and partly in my attempt to improve my credit. After my dispute I have received nothing from XXXX in 30 days which I believe is law. I am requesting that the XXXX report be updated to complete and satisfactory or for the XXXX report to be removed from all three credit reporting agencies.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Debt was paid in full, however the debt collection company is legally adding additional fees to a closed / charge- off account. I was went into an agreement with the debt company for the charge off balance and no additional fees were suppose to be added because this was a no interest and no fee repayment plan. The contract was non-voided when they added these fees. I requested several times with the debt company to waive these and work with Bank of America where the original contract was with to get this resolved and neither company resolved this issue.
Consumer complaint received 2021-02-05
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. (NJ)

The bureaus are showing XXXX XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Two weeks ago I received a letter from SPECIALIZED LOAN SERVICING. They are my current mortgage lender. I refinanced and started paying my mortgage with them in XXXX of 2020. The letter I received stated beginning XXXX, XXXX, 2020, my monthly mortgage payment will increase by the amount of {$130.00}. This increase was based on estimated shortfall in my escrow. It stated that this is based on an anticipated increase in taxes as and/or insurance. I have verified that there is no increase anticipated in taxes and/or insurance. I have determined, through the numerous people I have spoken with at SPECIALIZED LOAN SERVICING, that this amount is actually based on an unpaid balance from my previous lender. In all of the time I have been paying my mortgage, I was never made aware of this unpaid balance. The letter did not indicate this and made up a dialogue about escrow to obtain these funds from me. This communication is unethical. I have spoken to the XXXX XXXX team members four times. They have all been helpful and agree this is a problem they can not fix. I have been told I must speak to a Supervisor. Each of them has emailed and reached out to a Supervisor by the name of XXXX expressing the importance of this response. Despite my numerous attempts to speak to someone that can assist, I have not connected with anyone. I am going to have to remove my automatic withdrawal if this is not fixed soon as they will begin to withdraw the funds XX/XX/XXXX.
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (FL)

I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX BANKRUPTCY COURT-MOBILE XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (PA)

They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.
Consumer complaint received 2019-08-16
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. (MA)

.experian has errors on my credit report XXXX XXXX   XXXX, reported late XX/XX/XXXX, on a payment plan with XXXX /XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by, XXXX, XXXX  XXXX XXXX is a charge off as of XXXX reporting late payments XX/XX/XXXX, XXXX/XXXX XXXX   shows a balance, paid account off.
Consumer complaint received 2020-09-06
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. (TX)

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} AD XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Consumer complaint received 2022-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

I was approved for HAF funds to help with past due back in XXXX and HAF confirmed funds sent to the Lender and lender keep saying they don't have it and my acct is getting further and further behind. Funds was confirmed to be cleared, cashed and received by mortgage company from HAF and my acct still reflect nothing. I have been calling every 3 days or every week and no help since XX/XX/XXXX. I started keeping track of people that I spoke with and was told give them 72hrs, week, 2 days, putting in a ticket, sending over to HAF ... .excuse after excuse and no help to updating my acct. Please help! XXXX my name is XXXX XXXX and address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX