davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trojan Professional Services, Inc. (PA)

In XXXX, I saw a collection account on my credit, it was reported as a {$0.00} out of {$0.00}, which was confusing, so I disputed it, because I remembered the account representative told me the account would be deleted from my credit after I paid it. After I saw it on my XXXX report, I sent the credit bureaus a dispute and since then, I've been living a nightmare. They deleted the account from XXXX, only to reinsert it the following month, only with a balance that I had already paid. They then sent me a full listing of the medical billing information with no HIPPA disclosure, again attempting to collect a debt already paid. The item remains on my credit with a balance today, and they continue to attempt to collect the debt via email and phone calls, even though I paid it, and it was deleted from my credit. I'm sure they are violating all sorts of rights granted to me under the FCRA and FDCPA. Please help me.
Consumer complaint received 2018-02-26
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. (MO)

I submitted a dispute for a collection account on my record XXXX XXXX XXXX that continues to remain on my credit report in collections and affecting my credit score. I filed bankruptcy XX/XX/17 and this account was listed duplicately on my report and Experian deleted one of the accounts after my dispute but did not the other duplicate account from the same company and it should have been deleted as well. I am attaching a copy of a screenshot of my bankruptcy petition that lists the company twice on my petition.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both XXXX  and Experian attempts failed through XXXX. I also attempted to obtain them directly from XXXX  and Experian via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.
Consumer complaint received 2020-06-24
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (VA)

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my Experian & XXXX reports for the XXXX XXXX XXXX   XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Consumer complaint received 2020-08-21
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. (CO)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-21
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: EQUIFAX, INC. (VA)

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX & Equifax reports for the XXXX XXXX  Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' XXXX closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Consumer complaint received 2019-05-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

at closing we paid {$1200.00} because Flagstar bank said amount was due to satisfy fees for lawyers. said fees were for foreclosure, when in fact no such foreclosure was taking place. closing was on XX/XX/2019. we received a statement from flagstar bank , dated XX/XX/2019 saying they owed us {$1600.00} from escrow account and it would be paid in 20 days, no such funds have come tous.on XX/XX/2019 i called flagstar for status and was told no money would be coming to us as the moey went to foreclosure and lawyer fees.I fuly feel we have been taken by this bank and would like an explanation and restitution.
Consumer complaint received 2024-02-22
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. (FL)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2020-07-20
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)

I had to move from XXXX because the apartment made me ill. I was told I was let out of my lease but now they have a bill on my credit report.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RS Clark and Associates, Inc. (TX)

XX/XX/2018 @ XXXX CST. Call duration 6 minutes and 8 seconds Lady called, identified herself as XXXX XXXX. Spoke about a debt, then asked for my personal info. I explained that I don't verify nor share that on an incoming call. She immediately got a nasty attitude because I wouldn't verify. I asked for her to send a letter so I can get help to go over it. ( I am recovering from a XXXX and sometimes need help ). She then got even more nasty with me and said " No! Why would we send out another letter! '' I was taken back as I do not think my request was asking for too much. 

As I thought the call was over, I have to speak on speaker phone as a result of my XXXX. I said outloud " That lady was rude and needs to be reported! '' Again thinking the call was ended. XXXX XXXX was still there and said " Oh! I can transfer you to my manager '' I accepted her offer as I was hoping the manager would send me a letter. As XXXX XXXX was trying to bring her manager on the line, she experienced what appeared to be issues doing so. XXXX XXXX then said to me " XXXX, you are going to have to sit in queue ''. I was appalled. 

XXXX XXXX then came on the line and did not want to address any concerns only kept repeating " The calls will continue '' " Like I said the calls will continue '' All I asked for was a letter from the company in writing, nothing more.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (CA)

Lending Point has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX  that I did a settlement not a full payoff. 
In XX/XX/XXXX I took a {$20000.00} loan out with Lending Point. I've paid off the loan in XXXX of XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at Lending Point that they have reported multiple 30 days late payments on my account to XXXX. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by XXXX  that multiple 30 day late payments have been reported from a loan that I had with Lending Point back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times.
Consumer complaint received 2020-08-21
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. (GA)

the accounts listed do not belong to me someone used my information to open fraudulent accounts they use my personal information on applications as well I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good morning, There are a few unverified, unauthorized accounts listed and multiple inquires on my credit report, I have disputed with this account for over four months this particular account, they refuse to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma (IL)

I opened a " Credit Karma Spend '' account and they were deceptive about the time frame they ship debit cards. They emailed me 5-7 days, and promised 14 calender from application date. It is now a month later and there is no card. What is interesting to me is that I naturally requested a tracking number and they were evasive about it multiple times, and when pressed claimed they had no access to it -- and that there was no way to get it ever despite them being adamant that the card was shipped on a certain date. I think they are way behind and not delivering the service they advertise, and then trying to lie about the details while offering no proof in an attempt to obtain the revenue of a rapidly growing company though they are not capable of handling the volume of transactions. 

Special attention should be paid, since CK 's aggressive marketing of this platform on the XXXX website makes it the channel through which thousands if not millions of Americans are receiving their federal tax refunds and stimulus payments. This makes any UDAAP committed by CK almost inherently material because it threatens money the public is counting on for basic bills and survival.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (VA)

XXXX XXXX XXXX XXXX XXXX Virginia charges a XXXX XXXX interest rate on my title loan. This is insane! I've had the loan only 2 months. The principle amount is only {$2000.00}. I will NEVER pay this off at XXXX XXXX. 

Consumers need to be protected. Shut down XXXX XXXX XXXX.
Consumer complaint received 2020-08-21
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. (CO)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-01-06
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. (PA)

I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2020-08-21
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. (AL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXX. Box XXXX XXXX, PA XXXX XXXX XXXX To Whom It May Concern, This is my second request first request report XXXX to have this information removed from my report. I got a response that I did not send the previous request along with some bogus excuse why this was not properly handled. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX XX/XX/XXXX ) 3. ( XXXX CA XXXX XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

Roughly around XX/XX/2019. I was shocked to have received a message from American Express stating that credit limit was forcefully decreased by roughly 33 % ( went from {$10000.00} to {$7000.00} ) which directly impacted my credit score by 25 points. 

Since receiving the card, I had a much lower limit. Over time, I was given periodic increases, maybe 3 over the years and got it up to {$10000.00}. I received many promotions for new cards, but i was happy with my current one. 

I have not missed a payment, I have not had any abrupt credit issue that would impact my score, and I take pride in being a responsible credit card user. 

Never in my wildest thoughts, being responsible would result in being directly retaliated against resulting in credit damage impacting my ability to receive the best rates I had earned through credit worthiness. 

I am hoping to get the resolved and reinstated as this was not in the terms of my agreement.
Consumer complaint received 2020-06-24
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)

remove the inquires all ftc violations : XXXX/XXXX  XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX