davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is reporting my loan to all 3 credit bureaus as Closed Charge-Off with a balance of {$11000.00}. I paid my account in full and on time from XX/XX/2013 until the end ... also the # of months is showing 81 my loan was for 60 months not 81.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account CAPITAL ONE Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX are different, this means the account has not been properly verified. Please delete this account immediately This account was paid
Consumer complaint received 2020-07-29
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. (MD)

I XXXX XXXX believes that XXXX  XXXX XXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the Trans Union post attached, XXXX XXXX XXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX  XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX  XXXX has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXX is violating its subscriber agreement with XXXX, XXXX and Trans Union respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery buys old debts especially ones that are past the 7 yr. Statue of limitations On the Fair credit reporting act. They are illegally misrepresenting the original opening date of a XXXX credit card from XXXX & reporting the date of when they purchased the debt In XXXX. I have disputed numerous times with a request for proof of original creditor giving Portfolio Recovery authorization to collect debt of account plus all info from original creditor with billing copies with no results. Ignored everytime. No contact by mail or emails or phone. dispute remarks never reflect issue. Just says consumer disagrees. I have never received any bill from Portfolio Recovery by phone, mail, email, or registered letter of their intentmto collect. They have failed numerous requests to provide original creditor info or change opening date, violating Fair credit reporting act. I want complete removal of Portfolio Recovery collection from all credit reporting agencies
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (PA)

The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2017-09-20
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: SYNCHRONY FINANCIAL (IL)

There are two inquiries on my credit report for XXXX XXXX XXXX . One inquiring is for an airlines/cruise lines credit card and the other inquiry is for a Walmart credit card. I have reached out to SYNCB that I did not authorize these inquiries. They were not able to provide me with any personal information other than my social. I have never applied for a credit line with XXXX, Walmart or XXXX. The date for the Walmart listed inquiry is XX/XX/XXXX and the date for the airlines inquiry is XX/XX/XXXX.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (MI)

I paid online {$160.00} through my insurance the bill as soon as it appeared on my account on XX/XX/2021. 
I received the XXXX XXXX  statement the day after to be paid on XX/XX/2021. 
Since XX/XX/2021 XXXX contracted debt collector XXXX and then another one Receivable Management group claimed the same invoice. 
We paid once more and finally received the cancellation of {$160.00} on XX/XX/2021. 
This is an unacceptable harassment and that is why I am escalating to you this case.
Consumer complaint received 2021-09-21
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. (GA)

As a victim of identify theft there are invalid inquiries on my report. 

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I hope I'm reporting to the right page it has to do with an inquiry my credit score was at XXXX I received pre-approved credit cards which I was told would not affect my credit in any way or go on my report I applied for the credit card but because my balance was almost to the max I didn't get approved and Capital One still went ahead and put to inquiries on me which now makes a total of 7 and that makes me look over extended
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion has added missed payments that were removed from two of my account but the credit grantor. I have sent in letter after letter and they have yet to respond. the late payments are adversely effecting me and I seem to be at the mercy of them.
Consumer complaint received 2020-11-30
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 (CO)

Received Hard Inquiry all 3 credit reporting agencies on XX/XX/2020 from Capital One/Cabellas. Was given a phone number of XXXX, but is disconnected. I did not apply for any type of credit in the last year and this may be someone trying to steal my identity.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I consolidated my Federal Student Loans with XXXX in XX/XX/2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC (CA)

I have had an account on XXXX for over 9 years. They offered a credit card program in the last 2 years, I took advantage of this offer and got approved for their credit card. It has been over a year I am using the card, and randomly they shutdown my account. They wont give me an explanation as to why, they wont let met pay my bill, I cant even login to their website anymore!! They wont respond to my emails, and my payment due date is coming up. I have called the number on the back of the card and they just tell me to login and pay the bill. What they don't understand is my account is blocked from logging in and customer support hasn't responded to my 7 emails in over a month. I have screenshots proving I cant login, and when I was able to somehow get a hold of someone that works within the company through social media, once they found out my account was closed, they immediately cut all connection with me and stopped responding. At this point I want to pay my balance off in full and have nothing to do with them anymore. ( in which I cant because im blocked! ) I really hope reaching out here gets their attention.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX. I closed on a mortgage with Bank of America. The lender had me prepay 11 months of taxes and 4 months of homeowner 's insurance. I prepaid a year of homeowners insurance as well. This violates RESPA Section 10, stating lenders are allowed 1/6th cushion, 1/12 for monthly escrow, and a year of HOI. My monthly payments follow the 1/12 rule but the prepaid taxes violates this rule. I have not contacted lender. I submitted complaint to you.
Consumer complaint received 2020-11-30
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. (GA)

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of XXXX Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (SC)

Back in XXXX  someone i let come live with me stole my phone. They accessed my cash app and sent out unauthorized funds. Because my debit card was linked to cash app and the money was coming out of my personal account i filed charges with my bank. They refunded me all of my money. Usually i dont keep a balance on cash app. On XXXX XXXX XXXX XXXX XXXX balance on cash app. Cash app took my monwy and said i owed thwm money. How? The money that was taken from me came out my personal account.
Consumer complaint received 2022-11-05
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. (OH)

XXXX and Experian are reporting 3 public records that I have tried to have removed. I contacted the US Bankruptcy court and they provided me with a letter stating they did not report this information to the credit agencies. After research I found out that XXXX reported this information. I have tried to dispute with XXXX and I have not had any luck getting this removed. As a result I have been denied a mortage loan. This inaccurate information causing me serious financial issues.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and XXXX, XXXX & Experian are different, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and TransUnion, TransUnion XXXX XXXX are different, this means the account has not been properly verified. Please delete this account immediately
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. 

I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. 

If XXXX can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Consumer complaint received 2020-10-24
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. (MI)

it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me.
Consumer complaint received 2020-12-08
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. (GA)

On XX/XX/XXXX I called Experian and requested a reinvestigation of a previous dispute with XXXX XXXX XXXX. The company reported late payments on a paid, closed account. I called to request paperwork that could prove my payments were late and they told me they can't due to account being paid and closed. A company should not be allowed to report anything without proof, especially anything negative. I received dispute results from Experian on today, XX/XX/XXXX, and the results were " Updated ''. The account is still inaccurately reporting late payments as well as a " Paid, Closed '' date of XX/XX/XXXX, when indeed the account was paid in full on XX/XX/XXXX.
Consumer complaint received 2021-04-06
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. (CA)

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and XXXX and 90 days delinquent to Experian on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of XXXX and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (LA)

Call every Monday-Saturday When they first made contact it was to my fiancs phone number whom they assumed to be my spouse. They told him all the information in regards to the debt which is illegal being he is not my spouse. They had his phone number but not mine. Ive talked to them before and told them Id call back when it was convenient for me as I was working when they called my phone number. 
Now they have not stopped calling every single day, Monday-Saturday. Now today they have had called three times. 


On Saturday XX/XX/XXXX they called 3 times, XXXX, XXXX and XXXX Friday, XX/XX/XXXX XXXX Thursday, XX/XX/XXXX XXXX Wednesday XX/XX/XXXXXXXX Tuesday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Saturday XX/XX/XXXX XXXX I attached a screenshot and their number shows as Credence.
Consumer complaint received 2021-04-06
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. (CA)

XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and Equifax and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX XXXX credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I called to XXXX XXXX XXXX XXXX and they are not seeing any lates on my account. Somehow, the are showing that I had an {$8.00} balance that is reporting 30 days late for XX/XX/2021. I was never late. I am on auto pay. This should never have hit my credit and XXXX XXXXXXXX doesn't show me anything was late. I spoke to XXXX and they are confused by all of this. This dropped my credit 40 points and I am trying to purchase a home!