davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Perfection Collection (VA)

This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.
Consumer complaint received 2021-06-21
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. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ceannate (LA)

I contacted the Department of Education in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports onXX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I  logged into my debt summary for the Department of Education and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I submitted information on XXXX XXXX 's website. We were looking for a refinance with cash out to do home improvement work. Quicken Loan 's contacted us. After a conversation with XXXX XXXX XXXX, a Senior Power Banker there, I told her we were not interested as their fees were much higher than we had been quoted else where. We have since received XXXX sets of documents for them as if we are proceeding with the loan. I feel this is very predatory in nature.
Consumer complaint received 2021-11-05
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. (MA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-08-22
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: NAVY FEDERAL CREDIT UNION (SC)

I have a loan with NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and NAVY FCU with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

Once again PayPal continues to not credit funds to my accounts in a timely manner. They are creating " float '' for themselves. 
In this instance initiated transfer of funds with PayPal from my XXXX XXXX checking account on XX/XX/2020 to my PayPal account. The amount was debited from my checking account on XX/XX/2020. As of today XX/XX/2020 the funds have still not been credited to my PayPal account. PayPal has had the funds for 4 days without crediting my account. 
This has been done before involving much larger amounts of my money but this time was the " straw ''. PayPal is utilizing this artificial delay to create " float '' which given the scale of their operations must be a substantial theft from the public.
Consumer complaint received 2020-08-22
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: Lending Club Corp (SC)

I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-12
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)

This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this
Consumer complaint received 2018-07-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (TX)

CMRE FINANCIAL SERVICES , INC is reporting a medical debt from XXXX XXXX XXXX in the amount of {$1700.00} since XXXX of 2017. I have disputed this debt as a hippa violation and sent a validation letter and have not got a response. Furthermore the bureaus state that the debt is verified as accurate without any documentation. CMRE FINANCIAL SERVICES , INC is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA and to my knowledge is not licensed or bonded to legally collect a debt in the state of Texas. I am more than disappointed at the affects this has had on my credit report the last 3 years. Please have them remove this debt due to the aforementioned. Thanks.
Consumer complaint received 2018-07-02
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NJ)

There is an item on my credit that is quite old and was settled up years ago through a debt consolidation service/ Legal representative called XXXX XXXX/ XXXX XXXX XXXX whereby this item was settled and negotiated and paid yet it is on my credit as a past due and I can not buy a home because of it. The item is XXXX and is on all 3 credit bureaus.. 
also the balance is XXXX and should read XXXX. AC number is XXXX closed back in XX/XX/2013 but keeps getting reported every month
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one credit had fraudulently applied for a credit card without my consent application number XXXX. After The company required more information for validation, I was told I have a 90 day time limit from numerous representatives at their call center and supervisors. When I sent the final validation information into capital one and called them, they had stated they would be pulling another credit check, and I told them that is not what I've been told, that i was going to make a complaint to the FTC, and do not make another credit check, and I do not want the credit card. For the 2 months prior to the company refiling my application, I told many customer service reps and supervisors that i do not want a 2nd credit pull. Its in the companies call logs/ recordings, and in their notes within my account. Capital One had processed the application anyways without my consent, and my clear response of telling the company no. After repeated attempts to have them remove those credit pulls nothing has been done. Pennsylvania and Federal laws clearly show this company is in major violation.
Consumer complaint received 2022-03-29
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)

XXXX, XXXX, and Experian. 
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 XXXXXXXX ..... 
These accounts don't belong to me.
Consumer complaint received 2020-09-12
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. (FL)

This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

In XX/XX/XXXX I decided to freeze my credit. I had no problem with XXXX XXXX and Experian but Equifax would not let me create an account. They said I could request a verification letter. I received the letter on XX/XX/XXXX. I used it to complete the enrollment as prompted and it said I was successful. When I tried logging in it said there was a problem and would not let me in. On XX/XX/XXXX I called customer service. He asked a number of verifying questions which I answered to prove it was me. After all that he told me I had to fax or email my social security card or driver 's license. I refused and he hung up on me. There is no way I want that information open to anyone. This sounds very suspicious to me. So now I have frozen credit on two bureaus with no issue but Equifax is trying to make me jump through hoops. 

I have attached the verification letter sent to me.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has reported to my TransUnion credit report on XXXX, XXXX, 2020. Ive never seen this company nor have I done any business with them. I believe this is fraud. Please delete this from my TransUnion credit report immediately.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

My account was closed by card issuer without notice or explanation. I was thus denied benefits of the card ( mileage points on purchases I was forced to make using a different card ), deprived of the use for which I had paid an annual fee, and left in the dark. There was no balance due at the time of closure and my credit rating is above XXXX.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, i contracted services from XXXX XXXX. I requested a video inspection and report and was quoted {$450.00}. I agreed to the charge and was advised that a report would be provided within 24 hours. I called the morning of XX/XX/2018 and the company advised i should be receiving the report by XXXX, called at XXXX and they advised before end of business day. By XXXX i called one last time to request the video and report and the manager XXXX advised that the machine was broken and they did not have any report to provide. At that point i advised the manager that i would like a refund because the service i requested was not provided in a timely manner as they promised. Since this date i have called and text on numerous occasions expressing my dissatisfaction. There has been no effective communication on when i would be receiving my money for a service i never received, Chase has decided to close the claim against them without seeking out further information from the consumer. I have advised chase that i am unhappy with their decision and would like if further investigation could be taken and they advised they can not do anything else. I don't think Chase did enough on my behalf to rectify the issue and allowed a business to bully me out of {$450.00}.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Leading Edge Recovery Solutions, LLC (LA)

Called my cell phone and was busy at work to answer and turned around and called me at work. When calling on cell, they do not leave voicemail. I have wanted proof in the past of who they are. I will not give my personal info since the bank sold my account to a collector.
Consumer complaint received 2017-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. Equifax, XXXX, XXXX. Equifax has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and equifax has removed these accounts and blocked them. Equifax has not completed this investigation in over 60 days
Consumer complaint received 2020-08-22
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: Resurgent Capital Services L.P. (SC)

I have a loan with LVNV FUNDING LLC, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-02
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: NAVY FEDERAL CREDIT UNION (NY)

I already reached out to the credit bureaus and to NAVY FEDERAL CR UNION, and notify them of their error posting of information on my report. I requested an investigation and the removal of the erroneous information. No changes were made. I informed them that this company was violating the Fair Credit Billing Act by illegally adding fees and yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report. // NAVY FEDERAL CR UNION XXXX Date opened XX/XX/2015 Balance {$26000.00}
Consumer complaint received 2020-11-14
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. (MS)

On XX/XX/2020 I sent a letter requesting that Transunion verify some accounts that were reporting inaccurately on my credit report. I never received a response. I sent two more letters. oNe on XX/XX/2020 and another on XXXX. I have not received a response yet and these inaccurate accounts are still showing on my credit report causing me to keep getting denied for credit.
Consumer complaint received 2015-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding the late payment entries currently appearing on my credit report. After reviewing my credit history, I have noticed that there are instances of late payments listed, which are negatively impacting my credit score. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a loan with XXXX XXXX, XXXX, and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and BK OF AMER with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-22
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: DISCOVER BANK (SC)

I have a loan with XXXX XXXX, DISCOVERBANK, and XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DISCOVERBANK, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-02-07
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. (NY)

I recently gained a copy of my credit report and noticed inaccurate and unfair INQUIRIES that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies