davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC has placed a collection account on my consumer credit report. I do not know who this company is. I have Never done business with this company. I have NEVER signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company that I habe no knowledge of.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (IL)

On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name
Consumer complaint received 2018-01-10
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. (CA)

Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Disputed account from the credit report and the item was not deleted. The alleged creditor erroneously produced information that possibly is inaccurate or incorrect, the company updated the account to reflect that the item had been disputed, but failed to delete the item in full. Other accounts that are attached to the credit report currently causing harm in bad faith are still held on the report against the exercise of fair debt collections practices, and fair credit reporting regulations, as well as violates certain rights against the truth in lending.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-10
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)

I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points XXXX : XXXX in XX/XX/XXXX to XXXX XX/XX/XXXX ( 89 pt drop ) Transunion : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ( 175 pt drop ) I contacted XXXX and Transunion to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from XXXX and Transunion yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. XXXX also has claimed I have put a freeze on my account in XX/XX/XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one is reporting as factoring for an account sent to collections. It also has incorrect payment history. The account was opened on XX/XX/XXXX the last payment on the account was on XX/XX/XXXX. XXXX is reporting the last payment date of XX/XX/XXXX which is inaccurate. Additionally, the charge off has been reported in XX/XX/XXXX which is inaccurate and intended to re-age! Previous reports prove the Charge off occurred in XX/XX/XXXX.
Consumer complaint received 2021-02-08
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. (NY)

I got alert from experian mobile app stating that I had account deleted which was XXXX XXXX XXXX and then couple hours later get another alert stating more score had dropped because they added back on my credit report then I called experian dispute dept. and they stated that its automatic but the furnisher responded in time I asked her why was it deleted if the furnisher responded in time it never should of been deleted then if they still had time doesnt make sense to me maybe legal actions may have to be taken towards experian for a lawsuit
Consumer complaint received 2018-01-10
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. (CA)

Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XXXX I placed an order on line with my credit card and was over charged so I immediately cancelled the order. I canceled the order on line, with the bank and in a chat with the company. They sent the order any and I did not accept it. They picked it up where they dropped it off 5 days later. They billed me and then credited the account for {$160.00}. I have not used the card. I was later charged a late fee of {$15.00} and {$2.00} interest on a zero balance. When I called it was doubled to {$34.00} and I could not get a response or customer service for two days. I called the third day an the bill is now {$49.00}. I am being charged late fees and interest on an account with a zero balance. An account that I have not used since XXXX. An account that I no longer use. I tried calling Citi Bank and XXXX XXXX. Each time I call they request my social security number and demand payment for a bill that I do not owe. In addition I am being charged interest on a late payment for a credit., A credit ... ..The order was canceled minutes after it was placed and the order was finally credited a month later and this company is trying to collect money on a late fee. I have documentation that I have made repeated calls both to the Citi Bank and XXXX XXXX. No results each month they add another late charge ... ..This account had a zero balance. I have a documented chat as well as dates and names of the people I spoke with at the bank. XXXX XXXX XXXX fraudulently processed a canceled order, billed me for it, gave me a credit for the full amount they delivered and then picked up and charged me late fees and interest on their fraudulent attempts to collect money. How incredibly dishonest.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (CA)

I have inquires on my consumer report that i did not authorize, or give these companies permission to obtain my credit report. there are well over XXXX inquiries reporting. This is crazy because it is hindering me from getting any new credit, it's hurting my mode of living.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AR)

In 2021 my grandmother passed away leaving me some property one of the properties that she left me had a mortgage on itservice by Mr Cooper. I called them to try and find out the process for getting the property and mortgage resolved was told to send in paperwork which I sent in everything they asked for I'm more than one occasion weeks and months would go by and I would call again and they would say they didn't get the paperwork or the email they got part of the email but didn't get the other part. All of the documents were included in one email each time that way it couldn't be misplaced or any other nonsense. Even after providing proper identification and paperwork they denied acknowledging that I was the successor and interest of the property. They have not served me with any paperwork or notification of any kind that the foreclosure was sale had been set or that the process was. I was in fact assured that the property would not be foreclosed on while we were working on getting the process taken care of.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Core Recoveries, LLC (NJ)

My defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NC)

Stoneleigh Recovery Associates/The Bureau did not validate the collection placed on my account and was required by law to remove the collection from my file in XXXX 2017. 60 days later they placed the collection back in my file without providing myself or my legal representative proof of debt validation. To date, they have not provided proof of debt validation and did not notify myself or my legal representative that they would place the collection on my file again ; a collection that has been disputed, removed once and still not verified by their collection agency. I have not been contacted via telephone, email or written correspondence since the collection was first removed from my account.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (IL)

the information for EQUITABLE ACCEPTANCE COR is incorrect. There is no balance due and the account has been paid in full. This was an agency helping me with my student loan. The service was canceled and no further payments were due.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (NY)

I c systems during a pandemic actually hit my credit score for XXXX dollars from doctor XXXX. A doctor who in fact didnt do anything to help her patient XXXX her assistant had to me come in for my note .. and then doctor refused to give it asking why i was there .. I told her well I dont need referrals and the nurses all told me to come in over the phone .. I then walked to administrative department there getting into a full argument because I missed a whole day of work where which I get paid hourly cause of her. Ask the admin manager.. i havent been back to her office since. Also are they even allowed to hit my score during a pandemic
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a debt of {$1900.00} from a school loan that was paid off. Since then, it has been removed and placed back onto my account XXXX times now. Currently, it is showing as being owed. I DO NOT OWE THIS ANYMORE. My income tax was garnished and this was paid in full!
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?
Consumer complaint received 2019-05-12
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. (AL)

Equifax FICO score was lowered 12 points even though they say it is based on data they last collected in XX/XX/2018. Equifax claims I have a high credit utilization rate, however an audit conducted by XXXX says that rate is 27 % which is below what they consider high ( over 30 % ) Since XX/XX/2018 they have not checked on this but they refuse to update their data instead lowered my FICO score based on this outdated data. They refuse changing the record nor investigating my complaint and this will increase the interest rate I can get from lenders. The representative I talked to in the phone said that they dont investigate themselves. Can you investigate them?
Consumer complaint received 2018-01-10
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/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Consumer complaint received 2018-01-10
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)

On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a Notice from the court that I was being sued for a Capital One unpaid debt in the amount of {$16000.00}. I was XXXX in XXXX and could no longer make monthly payments on this account. According to my 3 credit reports, Capital One states that I have been making payments on this account up to XXXX, this is false. I have not had contact with this company since XXXX and they closed this account in XXXX. The Statue of Limitations on Debt in Texas is 4 years, so, time on this debt ran out in XXXX. This debt should have been removed from my credit report in XXXX. I sent a letter of dispute to all 3 credit bureaus and both XXXX and XXXX  still have the payment dates listed as me making payments in XXXX!  I think Capital One has given them false information in order to file a suite against me. I want to see proof that payments were made by me in XXXX, such as the cancelled checks. They do not have this proof, since I have not made payments on this account since XXXX or had contact with Capital One since then. I also want this debt removed from my account at the above mentioned credit bureaus.