davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XX/XX/XXXX - requested & reviewed Experian credit report utilizing free annual credit report.com On review, disputed entry regarding credit card account issued by XXXX XXXX XX/XX/XXXX. I have never heard of, had phone conversation or other correspondence with this bank. 

XX/XX/XXXX - message from Experian with link to review results which shows the bank has verified the account is active - dispute rejected. 

XX/XX/XXXX-XX/XX/XXXX - received welcome letter & credit card from XXXX XXXX for an account to be used at 'XXXX ' store. Again, I have no knowledge of, have never purchased from, or any other interaction with XXXX XXXX, or XXXX. ( Please note this card was received more than 3 months after the credit report shows that it was opened ) XX/XX/XXXX - went on XXXX Website to request account be closed, and all reference to the account to be removed from my credit report. To date, there has been no reply from XXXX XXXX. 

To date, and to my knowledge, there has been no financial transactions, or liability. This appears to be a scam marketing campaign. I have not held a store credit card since I closed a XXXX card more than 25 years ago. I hold a combination of more than 5 XXXX, XXXX, and XXXX cards each with a minimum limit of {$15000.00}. Why would I want a card for XXXX with a limit of {$750.00}? 

I want the reference to be removed from my credit report. The bank & XXXX should be given a strong warning, and or financial penalty regarding this type of marketing.
Consumer complaint received 2017-11-16
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. (CA)

I am filing this complaint because Trans Union has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc. (AL)

At the moment all I can say is that I know who ( which ) Nonprofit community organizations in XXXX XXXX Al XXXX help me with my HOMELESS ESG XXXX PANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK THOUSANDS OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS SOO MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, cuss and destroy distract destruct destruct. This has been going on since XXXX - XXXX ( {$550.00} Wkly at Red roof inn room # XXXX XXXX, XXXX  ( as my caseworker XXXX XXXX XXXX XXXX XXXX, XXXX  ) IN KAHOOTS WITH ARCH ( XXXX XXXX ).
Consumer complaint received 2019-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

For the past 15 years the company Midland Funding, LLC as been updates the dates on a debt that does not belong to me in the first place due to identity fraud. Therefore, when I ask for the contract I sign they send me a 1 page snapshot of fraudulent paperwork that states I owe them {$600.00} which they are trying to pressure me to pay them $ 1200+. As a result, I was waiting for the so called debit to fall off my credit report after 7 years but Midland Funding keeps changing the dates on the debt saying I owe them $ 1200+ to this date which was 15 years ago.
Consumer complaint received 2017-11-16
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. (CA)

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have  disputed. Please resolve this manner as possible.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (NJ)

I've been disputing a {$10000.00} credit card charge with American Express for months now, as this issue has been going back and forth with the dispute team for quite sometime. I had finally received a secure message on their website in XXXX regarding the inquiry indicating that the dispute had been resolved in my favor and it will be credited on my next billing statement in XXXX. While this was going on I had a revolving pay over time balance but because they didn't recognize the credit for the disputed charge they claimed my account had to be paid in full with a balance to include the {$10000.00} charge as it was now included into the balance and not recognized as a credit and was now overdue. They wanted to put me on a payment plan as I was not able to pay all this upfront in addition to the disputed amount that they claimed I didn't owe as per the secured message but now said they didn't recognize. I called and had many conversations with different customer service representatives about this and couldn't get anyone to make sense of it.
Consumer complaint received 2024-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. CAPITAL ONE. I have no knowledge of opening or using this account with Capital One. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( A ) ( XXXX ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

CAPITAL ONE : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that Capital One, as the data furnisher, and XXXX provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.
Consumer complaint received 2017-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

I was noticed by BSI Finanical in  XXXX , TX that I was late in my mortgage payments in  XXXX   XXXX .  BSI Financial h as informed me that my loan servicing was transferred to them by my mortgage company,  XXXX  in  XXXX   XXXX . I did not receive any mortgage servicing disclosure from  XXXX  informing me of the change and all of my payments was sent to them as instructed since the purchase of my home in  XXXX   XXXX . My payments ( {$1800.00} monthly, and sometimes {$920.00} bi-weekly as part of the payment reduction pla n ) wer e sent from my bank,  XXXX   XXXX   XXXX  and in  XXXX  were being returned to me by the sender,  XXXX . Since I was unaware of the loan servicing changes and my payments were being held and then returned by  XXXX  in  XXXX   XXXX , BSI Finanical has noted my mortgage as late and notified the credit bureau for not receiving my mortgage payments and assessed a late fee. After being notifie d by BSI Finanical i n  XXXX   XXXX  that my payments were late, I contacted my bank to cancel any additional checks that were not cashed by  XXXX  on  XXXX   XXXX ,  XXXX  so that I can submit my payments t o BSI Financial. B SI nor  XXXX  has not sent me any documentation informing me of the changes. I had expressed my concerns with  XXXX  and BSI FInancial.  XXXX  had informed me that an account statement would be sent me because BSI Financial only have my records from the date of transfer  XXXX   XXXX . I had not received any account statement from  XXXX .
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Assistance Inc (FL)

This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent Bureaus Letter dated XX/XX/XXXX but still incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit, Inc (GA)

I sent a payoff check and it was received by VW Credit on XX/XX/2021 at XXXX XXXX. Today is XX/XX/XXXX and the payment has still not been applied. I receive calls daily from their automated system that my loan is past due. I have called them several times and they acknowledge they have the payoff but nothing gets done. My account is now showing 30 days past due. I spoke with a supervisor on XX/XX/XXXX and they supposedly escalated it but I still keep receiving collection calls.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.
Consumer complaint received 2021-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CA)

I received my credit report on XX/XX/2021 and noticed that there is a charge-off on my credit report from Acima Credit XXXX XXXX I've never had any business with this company. 

There isn't a address or a phone number to contact them I need this removed from my credit file.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NJ)

Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I am a XXXX Veteran who is employed by a non-for-profit entity. I am enrolled in the public service loan forgiveness program ( PSLF ). Every month I am employed and make a monthly payment on my student loans, I continue to make progress toward loan forgiveness. In XXXX Mohela placed my account in administrative forbearance without my knowledge or consent, thereby disqualifying my XX/XX/XXXX payment from counting towards my PSLF payment counts. I contacted them to remove the forbearance from my account and they ignored me. I recently requested to be switched to another payment plan, and again without my knowledge or consent, they placed my payments on hold, which again will disqualify and pause my PSLF payment, prolonging the amount of time I need to be enrolled in the program and making payments before my loans are forgiven. Everytime I attempt to contact them, it requires hours over the phone and their customer service agents are not informed. Today I was on hold for over an hour. Spoke with a XXXX ( Employee ID XXXX ) who could not explain to me why my account was in forbearance, could not remove the forbearance and could not explain why my account is displaying that my next payment is not due until XX/XX/XXXX. Any online correspondence is never answered in a timely fashion. I believe Mohela is implementing these tactics to sabotage borrowers and delay progress within the PSLF program. There is NO REASON to justify placing my payments on hold. I want to continue making my payments monthly and have them count toward PSLF as they should as I a currently employed by a qualifying non-for-profit employer. Every month Mohela puts my account in forbearance without my consent is a month of progress I am losing towards forgiveness .... Please help me. 

I attached a letter they sent notifying me that they " approved '' an administrative forbearance, which I never requested or consented to. 

My account now displays forbearance status until XX/XX/XXXX ( not requested or consented to ). And my next payment due in XX/XX/XXXX, which I strongly have an issue with, given I want to continue to make my monthly payments to continue to progress towards PSLF.
Consumer complaint received 2017-11-16
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. (MN)

My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX and Transunion now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.