davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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. (CA)

I have been disputing and challenging Respectfully Experian, XXXX and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my Experian or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and Experian, XXXX and XXXX has been sharing my information with other financial institutions and companies without my Consent.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (FL)

I reached out to Waypoint RESOURCE GR on XX/XX/2019, and asked to validate the debt which they say I owe. It has been months later and I still have not seen any proof of the amount of debt owed. Here are the questions I wanted to know : The name of the creditor to whom the debt is owed A statement of notice that the debt will be considered valid by the debt collector unless the consumer disputes it within 30 days of notice A statement of notice that if the consumer disputes the validity of the debt in writing within the 30-day period, the debt collector will obtain verification of the debt and mail it to the consumer A statement of notice that the debt collector will provide the name and address of the original creditor if requested in writing by the consumer within the 30-day period. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
The complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Designed Receivable Solutions, Inc. (CA)

I recently noticed an item from DSRI on my Credit Report and they did not send me any notice of any kind regarding this debt, they simply just put it on my Credit Report. Recently I was also applying for credit and was denied because of the mark that DSRI has left on my Credit Report. They claim to have put in a request for removal already, but my actual damages have also occurred. Once again I am requesting that DSRI please contact my attorney about this matter to resolve. Stop with the semantics.

PLEASE CONSIDER THIS MY DEMAND FOR PAYMENT FOR STATUTORY DAMAGES IN THE AMOUNT OF {$2000.00} ( FCRA AND FDCPA ) ACTUAL  DAMAGES AND ATTORNEY FEES TBD. 


I AM A XXXX CITIZEN AND WANT DSRI TO STOP THE FINANCIAL RETALIATION!
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There is incorrect information on my reports with Equifax and XXXX pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, XXXX separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX Filing this complaint is my last hope to get these errors fixed.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I cancelled the credit card with capital one back on XX/XX/XXXX. They said I owed them XXXX  dollars. I said I send you money each month to be put on the credit card. I have notI have called them, emailed them with no reply to the problem. used the card after XXXX. I have contacted the XXXX, Connecticut attorney general and the Department of banking. they have not gotten any thing back from them. This is running my credit. Their address Capital One XXXX XXXX XXXX N.C XXXX On Card which I cut up my name printed XXXX XXXX XXXX
Consumer complaint received 2019-03-11
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 (AL)

I XXXX XXXX has got into contact with XXXX ( XXXX XXXX XXXX ) about two inquiries on my credit report. I have never heard of them. The accounts have opened in XX/XX/XXXX for XXXX and the other account opened in XX/XX/XXXX. I paid the XXXX in XXXX of XXXX. When i asked if they were for the same reason and why im charged with two separate bills instead of one their answer was these are two separate bills from XXXX XXXX private doctors. I never had a private Doctor. I called XXXX XXXX XXXX XXXX a nice lady on the phone said my accounts were paid in full and i had no other bills on record. So where is this coming from. XXXX never sent out letters to pay a bill i never received information on who the private doctors are and why im getting billed for something i dont know anything about. I dont know the Doctors names dates i recived the bills or what they were for. XXXX was also know for XXXX XXXX XXXX. I dont know who this bill collector is. They are from Florida. I live in Alabama. XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I paid XXXX to them. I just hope that i didnt get screwed.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (VA)

A wells fargo credit card is affected my credit. I HAVE NEVER HAD A CREDIT CARD IN MY LIFE. That card belongs to my mother. I want this off my report now. This is wrong and inhumane. I feel I'm treated this way because of my race. This is wrong
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am being called by Portfolio Recovery Associates XXXX  about a credit card debt on a credit card I never opened. The amount owed is XXXX. The card was opened XX/XX/2013. The card is owned by XXXX XXXX XXXX  ( XXXX ), XXXX. I previously told a representative that I never opened this card and she said she would note this. I am know being harassed about these charges again. I currently have 2 XXXX XXXX credit cards that I have never had any issues with.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020 I purchased a food chopper from Kohl 's using my Kohl 's credit card. It was supposed to be delivered sometime between XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX, it has not shipped. 

I have been trying to cancel the order for weeks. Several times chat agents and their supervisors have assured me that they have credited my account, but they have not. 

I received my bill yesterday and the charge is there. 

I have tried repeatedly to get them to remove the charge and while they promise to do so, they have not. 

It is not fair for me to pay for something I never received.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

1- TD BANK N.A . XX/XX/XXXX. {$3200.00} 2- XXXX XXXX XXXX XXXX. XX/XX/XXXX. {$2000.00} 3- XXXX XXXX XXXX . XX/XX/XXXX. {$1200.00} 4- XXXX XXXX. XX/XX/XXXX. {$240.00}
Consumer complaint received 2023-03-26
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-08-20
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. (IA)

I am writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (PA)

XXXX had 4 collections on my credit report 1 was deleted when I disputed thru XXXX. The other three they claim are from XXXX XXXX Hospital family practice which dont have any record of me or my children owing any bill at any time. Me and my children have all been going to XXXX XXXX XXXX XXXX since they were born and I was a child. We still go to this family practice till this day and they have no idea what XXXX XXXX is talking about. I asked for verification of the debt and to compare to XXXX XXXX database and even the names of the physicians are not in me or my childs medical records. XXXX XXXX is  reporting false information on my credit report and have been affecting my credit for years. Oh and they also tried to say we have your health insurance on file but I supposedly said dont charge my welfare insurance even though they have been paying for all on me and my childrens medical needs since I have been and adult.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/2020 I filed a dispute as I noticed fraudulent charges to my checking account and a credit card in my name. After contacting XXXX XXXX, where the transactions were made, it was made clear that my card was stolen and used without permission. My credit card company took action immediately and the charges were reversed. My bank SunTrust did not take action, nor did they reverse the charges so I filed a XXXX  complaint which is still ongoing as they refuse to do anything to rectify this matter. They only issued a new bank card to me following the initial dispute. Over 3 months later, they refuse to fix the situation even following a response from XXXX XXXX stating that if the charges were disputed by my bank, they refund the money per the decision made by SunTrust. The charges to be refunded total {$710.00} and this is completely unethical or legal what is going on at this point. This is money that I need for my bills and it was taken from me fraudulently and my bank who I have been with for a very long time should not be able to do this when XXXX has made it clear on multiple occasions now that they would refund the charges at SunTrusts request from my dispute.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.
Consumer complaint received 2020-12-02
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)

XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2020, Barclay Mastercard ( Delaware ) electronically withdrew from my checking account {$1100.00}, which is the amount I owed ( total ) at that time. On XX/XX/2020, they withdrew the amount again. This put me in a negative balance. This is reflected in my checking balances. 

Since that time, I have called many times, sent a total of 3 certified letters, contacted the Office of the President, and nothing has happened. They do not return any calls, although they say they have called. 

They insist I still owe them {$1100.00} + interest. The fact is they owe me {$1100.00} + interest since it was taken from me twice and account is now closed. 

I am more than willing to go to court over this as I have the documentation and bank statements to back up my claim. My bank is also willing to provide whatever it takes to resolve this.
Consumer complaint received 2020-11-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. Data has also been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus ; XXXX, Experian and XXXX, must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-12-02
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. (NV)

All 3 credit bureaus. XX/XX/XXXX Equifax and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Consumer complaint received 2020-12-02
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. (NV)

All 3 credit bureaus. XXXX XXXX and trans union. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I signed up to receive my security deposit back by direct deposit on my discover credit card. The money was processed to be sent back on XX/XX/21 I was told by multiple agents I would receive it within 3 business days at most. Then after the 3 business days they told me it would be sent by check and they didnt know why and that it would take 7 business maximum. It has now been over 7 business days and I reached out and they are now giving me the run around and have given me no concrete answers.
Consumer complaint received 2021-10-12
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. (FL)

In summary, I need to know why my credit score dropped 78 points overnight. It was XXXX yesterday and it is now XXXX. 

I am a XXXX year old XXXX who is living with XXXX XXXX. I have a career, work hard every day and have never once in my life been in debt. 

I havent had a credit card account since about XX/XX/XXXX ( a very low-limit department store card ) and the only type of loan Ive ever had was to build credit, 6 years ago it was paid off & every payment was on time. That loan was with my credit union ( who Ive been a member with for going on 15 years ). 

Ive read all the articles, asked all of the questions that I could think of and did my best to figure out the cause of my score to drop almost 80 points in a single day, but to no avail. I have gone through my credit report thatIve obtained from XXXX, Transunion, XXXX, and XXXX ; it didnt take long, as the entire report could comfortably fit on to one page, and there is absolutely nothing new. 

I understand that having little to no credit keeps your score low and makes it virtually impossible to be approved for any type of credit card but78 points in 24 hours? What caused this? And why, after hours of research and calls and e-mails and studying practically-nonexistent credit histories am I still sitting here with more questions than I started with?

As a taxpayer, a good citizen and someone who is having a hard enough time as it is trying to move forward in life without having credit history, I ( at the very least ), deserve an explanation as to why my credit score dropped close to 100 points in a day. 

This is a complete exploitation and injustice ; what if I needed to accomplish something in the near future that requires a credit inquiry? Well, theyd see the XXXX credit score along with barely any credit history and then move right along to the next applicant. 

That is my complaint. Thank you.