davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

My spouse and I are applying for a mortgage. The Mortgage Company can not access or soft pull our Equifax credit reports due to this error message, " APPLICANT FILE BLOCKED AT XXXX '' " XXXX. '' I have contacted Equifax and there is no Block or Freeze on either of our accounts. I have a Fraud Alert/Dispute on my XXXX account, but have been told that that should not affect a credit pull. We are not able to move along in the home purchasing process because of this issue and the sellers are annoyed.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a customer of Capital One, I have a capital one venture visa card. I booked 3 tickets from XXXXXXXX XXXX to XXXX ( XXXX ) on an airline ( XXXX XXXX  ). The cost was approx. {$9700.00}. Capital one flagged that as fraudulent. They asked me to call them. When I called them, they asked for all identifying information ( DOB, SS #, address, email, phone number etc ) and they said my card was put on hold and in order to lift the hold, I need to provide a copy of a govt. issued ID ( drivers license or passport ). The hold will not be lifted without it. I have too many automatic payments from this card. Hence I was forced to provide my passport copy. They said it went directly to a US govt. website and that capital one does not have access to the images.. In fact it went to XXXX When asked, they were not able to tell me how my highly sensitive information including my image will be handled and how it will be disposed. In the mean time, I lost my reservation in the airline. when I went back the ticket price jumped {$600.00} for the three tickets. I have over 30 years of credit in this country. Not once did I have to provide a copy of my ID for any transaction. When I did not have to provide my ID image for opening a credit card, why would I need to provide this for a charge verification? I suspect this is some sort of profiling. Hope CFPB can route this to the right channel to investigate. Capital one case # XXXX
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On approx date of XX/XX/2021, I mailed a letter certified to Midland Credit Management requesting validation of an alleged debt. The company received the letter on XX/XX/2021 at XXXX XXXX per usps tracking. I was seeking validation of this alleged debt of {$380.00} however, I never received any response from them. I allowed this company over 4 months to respond and they never did. On XX/XX/2021, I followed up with them on this alleged debt seeking answers. They received the letter on XX/XX/2021 per usps tracking. On XX/XX/2021, as dated on the response, Midland claim to have done an investigation to determine that this was indeed my debt therefore, they would not delete it. I have no contract nor have I done any business with this company that is reporting a collection on my consumer report. Midland has not and can not provide me with any adequate proof that this alleged debt is mine.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute information reported inaccurately on my credit report. According to my latest credit report from XXXX, this agency has reported some discrepancies, including my payment history, which I believe violate my rights under 15 U.S. Code 1611 regarding the willful and knowing reporting of false information. 
Upon reviewing my credit report, I noticed the following errors : Payment History : I PAY all my bills on time ( I have bank statements to prove you wrong in court ) Creditor Name : XXXX XXXX  Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 
Creditor Name : XXXX XXXXXXXX Nature of Discrepancy : Discharged Account being reported as past due Creditor Name : XXXX Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 

Creditor Name : XXXX XXXX XXXXXXXX Nature of Discrepancy : This account is unverified. It doesnt belong to me. 

Creditor Name : XXXX XXXX XXXX Nature of Discrepancy : Unverified account. This is not my account. 

Almost everything they have reported about me is a LIE, and this has caused me to lose money. I have proof that I have always paid on time and receipts for the account they are reporting negatively. I have also noticed that they are reporting collecting from 10 years ago.
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

Debt collector and merchant XXXX XXXX XXXX won't provide proof of debt. I paid my dental payment upfront on my CC. My insurance was XXXX and they stated that XXXX XXXX XXXX screwed up and didn't submit the claim. The merchant then tried to send me a bill over a year after ( fair debt violation ). Lost my tooth anyway entirely. My regular dentist stated they should have given me a complete refund for the loss. The date the debt collector put on my credit was also way after it happened. I keep filing a dispute on the credit report as inaccurate and sent a letter to the merchant and debt collector asking for proof of claim and debt with no response. There is zero verification of debt. I had a fixed dental insurance amount and I paid and was covered under my insurance. Then they try to bill later because of their XXXX up. On top of it. I am getting hit monthly as the debt collector is filing a no pay monthly. I don't have a monthly payment agreement or anything like that as I dispute the debt entirely and should be refunded. All I want is it to be removed.
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to Transunion and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (FL)

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EXPERIAN and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX   score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-11
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)

XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (CA)

I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.
Consumer complaint received 2020-12-09
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: Source Receivables Management LLC (CA)

I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.
Consumer complaint received 2021-01-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Mortgage payment was made to loan care LLC for {$900.00} and payment was debited from my checking account. I provided them with proof of payment from XXXX ( they claimed it was not sufficient proof ) this is the second time since XX/XX/2019 that they have not applied payments I made on time to my mortgage. This reflects negatively on my credit report and they are incredibly difficult to resolve these matters with in a timely manner. The first incident in XX/XX/2019 took me almost 3 month to clear the issue and it reflected negatively on my report till the issue was resolved.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CT)

On XXXX XXXX, Discover decided to close my account without warning due to my personal information being incorrect. The information given on the app was not incorrect and was in fact correct. Two weeks before that, my card was locked and when I called Discover the had me fill out a form confirming my information and they said my account will be fine now. Just for in the next weeks, I would get an email saying my account is closed. I was not missing any payments, in fact I was paying more than the app was suggesting to. This closure made a negative effect on my credit score and no one at Discover seems to want to help me or give me the answers I need.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (SD)

On XX/XX/2020 at about XXXX XXXX I received a text message from XXXX. The message stated it was from Glass Mountain Capital LLC and they were attempting to collect a debt. The message asked that I call them at XXXX. 

I do not have any outstanding debts nor have I done any business with this company. 

In reviewing their XXXX complaint history, it appears this company has a history of attempted fraud.
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I had a house fire which was a complete loss in XXXX. XXXX XXXX was my mortgage company I had got my first drawl. Then they sold my mortgage to Freedom Mortgage. I was in the middle of getting my second drawl when the mortgage was sold. Freedom Mortgage has not honored what round point was given me. I have tried to fix this with them and I just get the runaround. Now my builder has pulled off and I owe money to the lumber company and other contractors. If things are not paid by the XXXX of next month I will be charged interest for what I owe.
Consumer complaint received 2021-05-20
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$4000.00}, {$23000.00}, {$28000.00}, {$2200.00}, {$4700.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. AXXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Southwest Recovery Services, Inc. (GA)

credit repair is illegal in the state of georgia i contacted XXXX XXXX to repair my credit in 2019 made false claims about their services promising to remove negative information from my credit report they charge high fees did not to the sevice when i did not finish paying them they put a collection on my report of XXXX dollars for illegal services they did not do unlawful and deceptive practice i want the collection immediately remove from my credit report for this illegal practice the collection company is southwest recovery XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tel XXXX the credit repair company is XXXX XXXX no contact information.
Consumer complaint received 2020-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AK)

I have had issues with Navient ever since they took over my account. Right now, I am not even able to log in and receive information. However, my chief complaints are 1. Refusal to acknowledge option to consolidate away from Navient to XXXX XXXX XXXX requiring me to have XXXX assist me during a call to Navient, in which they still resisted providing the information. 

2. Never providing information on income based repayment, repeatedly forching my into forbearance and deferrals. 

3. Refusal of my application for foregiveness based on my years of XXXX in a XXXX XXXX school. 

If pursuing these is of benefit to me, I will contact NAVIENT and attempt to get the required details from them.
Consumer complaint received 2019-05-18
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: Bull City Financial Solutions, Inc (VA)

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to Bull City Financial who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay Bull City Financial, but the amount I paid XXXX XXXX was inaccurate. Bullcity shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to XXXX and showed them more than enough proof. They ignored my attachments and said I still owe Bull City.
Consumer complaint received 2021-10-15
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. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-09
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)

Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (MO)

On XX/XX/2020 I submitted written documentation requesting validation of this and also validation that this company medicredit has the rights to collect on this account ... at this time Medicredit has responded with a itemized bill from the original creditor but has not provided sufficient evidence for these charges nor have they provided proof that they can collect on this account .... I have asked this company to immediately remove this account from all three credit bureaus immediately.. XXXX  XXXX  and also XXXX