davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is a collection account on my credit report from XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, OH, XXXX, and phone number XXXX. It shows the account was opened XX/XX/2017. It says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and the amount is for {$1100.00}. The issue is that there is no original account on my credit report from XXXX XXXX XXXX XXXX XXXX. I think this MAY have been an old credit card, but all the information related to this account has disappeared from my credit report and therefore, I do not know when this account was open, what the balance was/is, and if it is past the statute of limitations because all of the information related to this account is NOT on my report. It was my understanding that old accounts of 7 years or more fall off your report and then collection companies can not collect on those, but this collection is showing as a new account opened in XX/XX/2017. Since there is not an old account showing this debt that was closed ( as is supposed to be on my credit report when the collection company buys it ) I reported these errors to Experian, but their investigation came back and nothing was changed. Since the original account is not on my credit report, I have no idea of what the dates are, and all of this information is incorrect and the collection company should not be able to have this on my report. I am requesting that the credit reporting bureaus remove this account from my credit.
Consumer complaint received 2017-10-04
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: Google Compare Credit Cards Inc. (NJ)

I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then XXXX refused to provide a credit report based on the Date being today that Google rejected my credit application, XX/XX/2017 as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by Google that I was refused credit and need to pay full price for a cell phone, and XXXX instantly refused to provide a report indicating why. Both Google and XXXX credit reporting agency are at fault here.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc. (CT)

I paid Creditrepair.com a total of {$320.00} from XX/XX/XXXX to XX/XX/XXXX. I paid them to remove negative items from my credit reports. Creditrepair.com did not remove any negative items from my credit reports. ( The three credit reporting agencies )
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

XXXX XXXX has filed XXXX collections reports against me on my credit report for a debt I have not incurred. I do not and have not had an account with them. I havent received any communication from them either. I disputed the first XXXX with XXXX and it was taken off my report after 2-3 weeks. The last one I disputed, the very next day they said the debt was verified. Thats impossible since I never opened the account and dont have any business with XXXX XXXX. I dont have any documents to attach as Ive never received anything from the collection agencies or XXXX. This just keeps showing up on my credit report.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. 

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 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX, Equifax and XXXX  that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/auto financing companies, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXXauto financing companies, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX.EQUIFAX AND XXXX  are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...
Consumer complaint received 2017-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I received ached from my insurance company to pay for hail damage on my house. I went to the Compass Bankin XXXX XXXX to process their endorsement of the check and then for Compass Bank to mail the check to XXXX to get their endorsement. Instead BBVA Compass endorsed the check and placed the  money into my helot account. Once Compass figured out what they did wrong the bank reversed the deposit of the money out of my account as insufficient funds. Now Compass claims they are sending a check overnight to my XXXX branch but nothing showed up. 
Here we are 5 weeks later, I am afraid my contractor is going to lien my property and Compass Bank is going to foreclose because it looks like I bounced a check. XXXX still wants the check for their escrow amount. 

In all this Compass Corporate does not think this is a big deal. 

I do want to let you know that the people at the XXXX XXXX Branch of BBVA Compass have tried hard to help me but the higher management is trying to cover the fact that they erred in not getting XXXX endorsement. 

Compass Bnk employees XXXX XXXX and XXXX XXXX are responsible for the accuracy of the non sufficient funds internal ticket number XXXX XXXX XXXX
Consumer complaint received 2017-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I had a boyfriend who bought a motorcycle and he signed me up as the co signer without my knowledge. The motorcycle was then stolen. The finance company has put a repossession on my credit report because he stopped making payments on the bike after it was stolen. I have never signed for the motorcycle to begin with and any signature was forged by my ex so there for the Repossession should only be on my ex 's credit report and not mine.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2017-10-04
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. (GA)

I requested a tax lien withdrawal and provided copies of the lien release. Both XXXX and XXXX removed the tax lien without additional information being needed. Experian requested additional information ( name, social security, address, and description of the problem ), which was already included in the original request. This appears to merely be a stalling tactic used to delay and discourage consumers. I would like to resubmit this tax lien withdrawal from my Experian credit report.
Consumer complaint received 2017-10-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MS)

Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services (CA)

( XXXX ) XXXX called and left a voicemail stating that his name is XXXX XXXX from XXXX XXXX. He requested that I call back XXXX XXXX XXXX XXXX about verification of address and liquidated assets. XXXX XXXX then contacted my employer and claimed that I had a criminal complaint against me and that I had committed fraud. He also stated that XXXX XXXX had a judgment against me. I called and attempted to get information from XXXX XXXX and he would only ask me to verify my SS # and that I owed a debt. He would not tell me who the debt was with. I asked him to not call my place of employment and he refused saying he would continue unless I paid the debt. I requested to receive information regarding the debt by mail and he refused. I informed him that I would file a complaint.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-10-04
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: Summit Collection Services, Inc. (NJ)

On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-10
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. (TX)

I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo not allowing me to work out my Single Family Owner Occupied Home they have XXXX XXXX records with the assignment of Titles on numerous times. 

I am a XXXX XXXX XXXX divorced women caring for my XXXX yr old mother and my XXXX old daughter. We all XXXX in My home i 've purchased back in XXXX Closing Took place in my Kitchen table unknown to me. I was approached by a family member in XXXX who stated i should Take a Mortgage out with Wells Fargo XXXX who became a broker for them ) and they did it within XXXX it was unfortunate and was a Adjustable Rate for high risk person ( I had a good mortgage never late with previous co XXXX XXXX 'S XXXX gave me a BAD adjustable rate and recorded XXXX 

I Need to keep my single family XXXX XXXX home and HOPE they will provide me a XXXX XXXX. I have attended a XXXX party group affordable housing hud councilor which will help and guide me to modify mortgage
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MS)

Someone from Providian stating that I had a credit card that was charged off in 2017. They stated they were making sure I got papers served to me from my local government regarding a civil matter. I haven't had a credit card in years and there is nothing on my credit report that shows I owe anybody. The phone number they called me from was XXXX, XXXX, and XXXX. They also contacted my sister as well looking for me. These people have all my info such as address and SSN. Once again, I never had a credit card with Providian and this is a scam. They say I owe over {$2000.00} in debt.
Consumer complaint received 2022-12-14
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)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX   the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain  private Im currently a patient of XXXX XXXX XXXX were I have a established repayment plan on any and all outstanding hospital bills please see attached ledger of my account with them were it clearly shows a zero balance on the before mentioned collection item account number
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, 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 act THE BANK XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXXXXXXXXXX  Account # : XXXX XXXX Account # : XXXX | XXXX  XXXX  XXXX  Account # : XXXX | XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, XXXX I submitted correspondence to Capital One because of suspected fraudulent activity by the bank for accounts in my name ending in XXXX, XXXX, and XXXX. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Capital One on XXXX XXXX, XXXX.