davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (CA)

Collection Agency : Contract Caller Inc.
Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date?

At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on my credit.
Consumer complaint received 2021-04-24
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. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-05-01
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: CITIBANK, N.A. (IL)

I paid off my Citibank XXXX credit card on XX/XX/2020. I confirmed both online and with an agent that the balance was {$0.00}. I am currently in the process of applying for a home loan and we purposely waited until XX/XX/XXXX to ensure the {$0.00} balance was reflected. To my dismay, it was not. I called the customer service line and she confirmed my payment and escalated the report up to the bureau as of XX/XX/XXXX. I then called the customer service line on XX/XX/XXXX and it still was not updated. I put a disputed through both XXXX  and XXXX  and the dispute came back as " correct ''. I called on XX/XX/XXXX and the gentlemen passed me over to the escalations department. She then stated it would taken yet another 30 days to update. I understand XXXX sold to Citibank in XXXX ( or at least the account was turned over ) but their credit bureau reporting process is inaccurate and subsequently causing consumer harm. I imagine this is a much bigger problem for others. This lack of accuracy is a significant stress as I did my due diligence and they have failed me for over 60 days. I want my report updated ASAP. I have proof of payment and they do as well, yet my credit is still showing a balance of {$1.00}, XXXX and some change. This should not be an acceptable practice. I want my account to report not only accurately but timely.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Experian is reporting false information on my credit report violating FCRA 15 USC 1681- ( a ) ( b ) 15 USC 1692 ( a ) ( b ) I would like to remove all negative remarks from XXXX XXXX date XX/XX/XXXX. 2021 and XXXX XXXX
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

After I went on the Rocket website, I have received hundreds of solicitation emails from companies I have never done business with. The emails are turning sexual in nature. I contacted Rocket Mortgage and never got a reply. 
I have attached an example.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX  XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2020-07-18
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. (NY)

THE DISPUTED ACCOUNTS LISTED HAVE TARNISHED MY CREDIT, MY SSN, MY NAME AND HAVE CAUSED SERIOUS DAMAGE REPORTING INACCURATE TRANSACTIONS ON MY CREDIT REPORT. I AM DISTRESSED THAT THIS IS HAPPENING TO ME, THOSE INACCURATE ACCOUNTS HAVE MADE IT SO HARD TO ACQUIRE NEW CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORIES REMOVE OFF MY CREDIT FILE.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on chexsystems report
Consumer complaint received 2020-07-18
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. (FL)

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .
Consumer complaint received 2020-07-18
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: EQUIFAX, INC. (FL)

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2.  XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau .
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (ME)

I received notice on XX/XX/XXXX of an outstanding balance owed on behalf of XXXX XXXX. AMSHER was the collection agency notifying me. I responded within twenty days ( 3 days ) that I did not owe the amount and that I have never had an account with their client. I still maintain this belief. I received notice of a completed investigation via derogatory information sent to the three credit bureaus. I have not heard from AMSHER about the investigation. My credit score went from XXXX to XXXX due to this. I disputed the report with the three agencies and again, they conducted an investigation and said that the report was accurate. However, the three agencies removed a previous report from a collection agent of XXXX XXXX for the same amount, in XXXX of this year. I do not owe this amount or any amount to XXXX XXXX. I have never had an account with them. The derogatory information has taken my credit rating from " good '' to poor, losing some 107 points for a bill that I do not owe nor create and has caused me to be out of credit range for significant purchases that I had planned on making this summer.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX takes care of the XXXX XXXX store cards. Their website does not work. From XX/XX/XXXX to XX/XX/XXXX, it showed I owed nothing yet I started to get calls all hour of the day and night at home, work, and on my cell phone saying I owed money. I just recently paid the entire card off and they reported me to the credit bureau for a delinquent account. 

Even when I try to contact someone, they hang up on me and will not let me speak with a supervisor when the representative can not answer my questions.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Garcadia Financial LLC (GA)

In Accordance with 15 USC 1692g, Foursight Capital failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (IL)

When I looked at my online account balance on XXXX, it stated it was - {$200.00} ( meaning I over paid and was due a refund ). However, when I called to inquire about my overpayments, they told me I still owed {$150.00} on the loan. They claim to have no record of what I saw on my end, I sent the company a screenshot and explained that it was fraudulent behavior to have differing account balances due, they said I was looking at the wrong balance and should have been looking at another page. From my understating the account balance should accurately report the balance a consumer owes consistently on all pages, formats etc. There should not be differing balances due, that is in direct violation of the fair credit reporting act. 
Desired Resolution : Refund Desired Outcome : Account settled and reported as paid in full as agreed and a refund of {$200.00}.
Consumer complaint received 2020-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I had processed a payment through my bank 's bill pay function to Freedom Mortgage ( as I have done for all the previous {$1500.00} monthly payments ) in the amount of {$27000.00} to pay down the balance. Nine days later the amount had still not been withdrawn from the account, so I registered a call to inquire. Was told that anything over {$10000.00} has to come as a certified check and that they would be sending back the {$27000.00} payment. I then asked for the payoff balance and was told it would cost {$30.00} and take three days. Don't know if this is typical, but I recently sold another property and the payoff balance was available online instantly and at no cost. Now, not only will I have the {$30.00} expense for information that should be readily available for free, but also a stop payment expense from my bank since they could not confirm receipt or mail back of the {$27000.00} payment. I supposedly do not have a payoff penalty with this mortgage, but it sure seems like they are doing everything in the power to prevent an early payoff.
Consumer complaint received 2020-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a complaint against Capital One, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiries be removed immediately from my credit report with XXXX. 
1 ) CAPITAL ONE DATE XX/XX/2020 2 ) CAPITAL ONE DATE : XX/XX/2020 3 ) CAPITAL ONE DATE : XX/XX/2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating. 
Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. 
Please govern yourself accordingly.
Consumer complaint received 2020-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

So, XXXX XXXX XXXX XXXX is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX U.S.A.A credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
Consumer complaint received 2020-07-18
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. (FL)

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a XXXX. I never use my credit or have I given any one Consent to open any account on my behalf
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (IA)

I submitted a mobile deposit to Bank of the West on Monday   XXXX   to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I paid off my debt in full, 2 weeks ago to Collectech Diversified XXXX XXXX XXXX XXXX, TX XXXX and on the same day I paid off two other accounts to two other debt collections agency ( XXXX XXXX & XXXX XXXX XXXX XXXX ) XXXX and XXXX have already sent my updated info to the credit bureau and my credit report has been updated thanks to them. However COLLECTECH DIVERSIFIED has yet to update the information on their end and I believe this is because they are intentionally sitting on the information instead of filing it in an efficient manner due to my previous complaint. COLLECTECH DIVERSIFIED is a small hole in the wall company their work load is tiny compared to these other two efficient corporations. COLLECTECH DIVERSIFIED has no excuse to continue sitting on my credit information. I write this to stress my greatest concern at the facts that this small business lacks the professional capacity to handle such delicate information as people 's debt info. They clearly have no respect for individuals who want pay off debt and due to their level of untrustworthiness which has been highlighted by HUNDREDS of other individual 's complaints, I don't trust this company will update my information in a timely manner. My information should not be at the hands of spiteful unprofessionals who refuse to do their jobs.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

At XXXX on XX/XX/XXXX I attempted to initiate a wire out of my account to pay the remaining balance of a car I was purchasing in cash. The car was being shipped on XX/XX/XXXX so this matter was urgent as the dealership would not ship the car until all funds were received. 

I was informed by Capital One that they would not send any wires to third parties except with a title company for a home closing. I was informed that I could send a cashier 's check to be overnight through my online banking. I went to online banking, entered all the information and provided the verification code sent to my email. Each time the system would say thank you but would not send a confirmation or show activity on my account. I called capital one immediately and was informed that " looping '' sometimes happens and to change my internet browser. I did this multiple times using XXXX and XXXX XXXX but the system would still not process my check. I asked Capital One to complete this on my behalf as they could see there was a technology issue on their side and I was told they could not issue a check. They also did not have any branches that could issue a check if I went in person. 

At this point I was very frustrated as I had all the funds and security requirements to send money but the bank would not offer a wire and could not fix their system to provide a cashier 's check. I then offered to provide a seperate personal account to another bank so that I could wire funds to this account. I was told that it would take two business days to set up any new linked accounts. At this point Capital One would not wire my money to the dealership, provide a cashier 's check, wire money to my other personal account, and had no physical location for me to enter and put certified funds. Essentially I had no access to my money because of an unexplained " glitch '' on Capital One 's technology. 

It was ultimately recommended that I go to another bank and try and initiate a cash advance on my card and ask that bank to wire funds on my behalf. 

The fact that a financial institution of this size and complexity couldn't offer it's customer a wire or cashier 's check was a huge inconvenience that caused great hardship on my end. I had more than enough funds to support the transaction and there was no error on my end in terms of security or information. At the time I needed access to my money most urgently the bank would not provide the product and services that it promised. I felt completely helpless and taken advantage of and I hope that the CFPB holds this institution accountable for its inability to provide these basic services that it claims to offer.
Consumer complaint received 2022-09-12
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. (OH)

I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.