davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (TX)

Hello, I hope this message finds you well. I have been reviewing my credit profile for months now and seen inaccurate information regarding XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) in collections as XXXX XXXXXXXX. They are reporting on my profile more than once. The status is reporting as a charge off. It is my understanding that once you are in a charge off payment status there is not suppose to be a balance that is reporting. They have a balance reporting as well as inaccuracies across the board where the date open and date of last active differs between XXXX and Experian. XXXX reports the same account with a status of late 120 days. The entire account is not reporting the same and I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged account. This makes me angry that my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesnt ' this goes against FCRA ? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are the dates that i've mailed out letters to each Bureau
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.
Consumer complaint received 2020-10-17
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. (PA)

I recently submitted a dispute with the 3 major credit reporting agencies about a debt on my credit report that I do not owe. The agencies sent me notification that they will not remove the {$2200.00} XXXX XXXX XXXX XXXX reported. I explained I paid {$410.00} to the collection agency and the check was returned to me as unacceptable.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

Not a duplicate, This is a Update- Experian has corrected my account with the correct information. The late payments were deleted. I have no idea when they did it, but it 's correct now. I have no further dispute with Experian at this time. I pulled up my free report XX/XX/2016 and saw that the late payments were gone. Thanks to anyone invovled.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which ATT, placed my XXXX XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (GA)

I mailed have called XXXX, XXXX, and Equifax numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been approve for capital one bank a credit card since XXXX 2015. They froze my account because of a fraud issue. Sent all my personal information many times every time I call customer service they restrict the accounts that I have as a join account too. This bank it 's really bad in customer services and policies. Someone has to do something against them because they affect my credit more.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Hello, I have frozen my three accounts in the aftermath of the data breach at Equifax in 2017. Since then, both Equifax and XXXX have made it really complicated to lift freeze every time I need to. XXXX has a simple online system but XXXX and Equifax nominally claim only that they allow such lift online. When I log in and enter my pin, the system tells me without detail that it doesn't work. No phone number to call. I reached out to XXXX today through their online chat and was given a number with a series of steps to talk to a customer representative who immediately lifted my freeze in a few steps. This showed that my pins worked. When I tried to log in on my equifax account, I had the same issue. I called but couldn't find an option to lift my credit freeze.
Consumer complaint received 2020-10-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

First contact with  National Credit Systems :  This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit.     Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.
Consumer complaint received 2022-02-08
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. (GA)

I mailed have called XXXX, Transunion, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (NY)

This credit card was never activated. 
A purchase of {$12.00} was made at the XXXX in XXXX, FL on XX/XX/XXXX. A XXXX card was presented for payment, not a XXXX card, yet this purchase was charged to the account referenced above, said card never having been activated. 
. Check # XXXX on our XXXX account, marked paid in full, dated XX/XX/XXXX, was sent out and our bank records show that an ACH withdrawal by Comenity Bank was made on XX/XX/XXXX. 
PROOF OF PAYMENT from XXXX account : XX/XX/XXXX ACH COMENITYCARD PAY CHECK PYMT XXXX~ {$12.00}
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: SYNCHRONY FINANCIAL (IA)

I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (FL)

The reason for me closing this credit card was because the harsh interest fees I was receiving once I brought that to the companies attention. They agreed they werent going to charge me for the fees anymore, but I decided to close the account the late fees they are charging me {$40.00}. It is absurd and it makes it difficult for me to pay off the account. I dont receive late fees all the time but the way they are Accepting the payment I have to pay it in full. How am I ever going to close the account when they harshly charge me all these fees the card was originally a {$700.00} limit when I close the account they charged me {$700.00} again it was at {$1300.00}. The balance is at {$800.00}. Its been the same for months. Ive been paying hundreds of dollars seem as if my balance is staying the same then theyre hitting me with these fees. It needs to Stop.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I have no knowledge of this debt from Jefferson Capital, SY, They not provide me with the original contract as i requested or application with my signature on it. I Mail out letters in XXXX, XXXX I also wrote a second letter in XXXX, XXXX by mail to this address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, MN XXXX. I also have called this company several times at XXXX I have not received any proof or documents stating that I owe Jefferson Capital. I demand this account be removed from my credit report. due to identity theft.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2022-02-08
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. (MD)

On XX/XX/XXXX, they received information that my account was discharged so there should be a XXXX balance. This was confirmed by several of their reps & supervisors. Today, XX/XX/XXXX, they reported on my credit report that I owe {$120000.00}. Prior, nothing was ever reported. I do NOT owe this. My loans have been discharged and according to my letters from the Department of Education, my credit report will be XXXX out once discharged ; not add such a large balance. This reporting has decreased my credit score by XXXX points and added to my credit usage significantly HIGH when it has always been under {$100.00}. This now negatively impacts me trying to get a home loan. The mortgage company just now pulled my credit report which now shows this extreme high debt that I DO NOT OWE and they know that I dont owe it.
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

We applied for a loan modification in XXXX 2015 and we were denied in XXXX 2015 for insufficient income. A reduction in the principle was not considered which would have qualified us with the income that was submitted. Home was foreclosed in XXXX 2015 and an income increase was submitted also in XXXX 2015.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (NC)

I would like to report this company Core Advisory Group XXXX, LLC out in California has scammed me out of {$2200.00}. My property just got foreclosed on so I contacted Core Advisory to seek help to see if they can reverse the sale of my home. I spoke with XXXX XXXX who promised me the world to convince me hire them. I had explained to XXXX XXXX XXXX that the lender had offered me a " cash for keys '' settlement of {$2000.00} if I agree to move on within 30 days. XXXX XXXX XXXX informed me that he can get me a better larger offer and the way they will do this is by filing complaints with the government agencies to force my lender to give me a better " cash for keys '' offer than {$2000.00}. He also told me the complaints can also force them to get me into a rental agreement where I can just lease the property and not have to move out. For me to do this it would cost me {$1600.00} upfront and {$500.00} per month for the next XXXX installments. So I signed up with them on XXXX/XXXX/2016 and paid Core {$1600.00} upfront. After I paid them, the only communications I got was from their paralegal XXXX who advised me to file for a Chapter XXXX bankruptcy and stated that is the only way to buy some time. So she went ahead and prepared the bankruptcy papers for me and provided me instructions on where to file the bankruptcy petitions. I am disappointed to learn later that the bankruptcy I had did little to any effect as it only delayed my eviction for only a few weeks and I ended up receiving a notice from the XXXX stating " writ of possession '' and I will have to vacate in 30 days. Not once during this whole process did I see them file any complaints on my behalf to my lender and no negotiations with my bank ever took place. It was all a lie and a scheme to get me to pay them upfront to get no where and to make the sitatution worst, the offer from my lender of {$2000.00} to relocate has now been taken off the table so not only did I ended up having to fork up over {$2100.00} in thinking I would get a better cash for keys offer and now I 've lost the {$2000.00} offer that my bank originally offered me to move out. This is a scam. I want my money back in full. They ruin everything for me. I was also advised that I was given legal advice to file bankruptcy from a non-licensed attorney so they also was practicing law without a license. This company needs to be shut down. I later went onto their website to find the address, and they have taken down their website. There is no contact number but a messge stating they will no longer take new businesses. Now that is just proof that they are just out to scam people and disappear on them. I hope you will find this guy and put him away for good. Please help me get my {$2200.00} I paid to them, they did nothing to deserve that.
Consumer complaint received 2024-05-09
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (AL)

I made an statement to XXXX XXXX XXXX as a dispute. To report this account because I've been with XXXX XXXX XXXX for years under my son XXXX XXXX ( XXXX  XXXX XXXX member ) I never change to another company so I explain the matter and I have my bills and all the evidence about it. This account even if is under my name or social security number doesn't belong to me. I want to reported and get this out of my credit report and stop any form of contact to my personal email, text or phone calls since they been calling me everyday any hour and multiple times a day. Thank you
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding has been trying to collect for the wrong balance for years! High balance is just over {$700.00} for original creditor, and Midland is trying to collect over {$1000.00}!!! Midland is also showing a Payment History and MONTHLY TERMS!!!! I never signed an agreement with this company! Under status it says CLOSED Collection on XXXX and XXXX Reports and yet they are still reporting!!!! Last status update for XXXX and XXXX is XXXX/XXXX/XXXX. XXXX is XXXX/XXXX/XXXX. PLUS I never did received a debt validation from this company when I sent one years ago! Says Original creditor is XXXX or XXXX XXXX and I never signed anything for that company! I believe the original company is XXXX!!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc. (GA)

On XX/XX/2024 I mailed via registered mail return XXXX  receipt to XXXX XXXXXXXX, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and TOMOCREDIT INC has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.
Consumer complaint received 2022-02-08
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: OneMain Finance Corporation (IN)

After using an organization " ONEMain Finance '' previously one year ago, I simply called to " INQUIRE ONLY '' to what options were available to me. In doing so, a SOFT Inquiry to my report was expressed ONLY. I initially had modest trust from a previous experience in 2021. That is obviously not an option now. 

After the conversation, I declined what options they were attempting to solicit. 

The VERY Next Day, this company " ONEMAIN '' SLAM my credit report with a HARD INQUIRY as a Retaliatory without my authorization. I was very upset and realized that not only are the rates and business practices dishonest, so are the reporting methods. 

XXXX was not able to remove this data and correct the obvious error and false record reporting of an unauthorized hard inquiry. 

OneMain XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Discovered a pending collection on my credit reports on XX/XX/XXXX : XXXX and XXXX. 

Collection Agency : I.C. SYSTEM, INC The report stated that there was amount of {$100.00} owed to XXXX XXXX, and was filed on XX/XX/XXXX. I had no knowledge of this amount being owed, and currently have two active accounts with XXXX that are fully paid for. On XX/XX/XXXX, I called XXXX to inquire. XXXX representative confirmed they had no record of any pending amounts, nor of having contacted I.C. SYSTEM, INC. It was also stated by the representative that they would not use a collection agency for that small of an amount nor that short of time, and would have made several attempts to contact myself first. 

I then contacted I.C. SYSTEM, INC to inquire about why this was showing on my Credit Report. They would not and could not provide any relevant information to what this account was allegedly referring to, and did not have any current or accurate information concerning myself or where I was currently living. I then requested for them to remove this, as this was a fraudulent collection. I.C. SYSTEM, INC informed me it could only be removed if I paid for the amount. I then requested for them to send me all information and collection receipts in writing which they refused.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I just received this credit card flyer from citibank, the last two times I applied for citibank credit cards, they were declined, I need to know if I still qualify for the citibank credit cards.