davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

THIS COMPANY HAS TARNISHED MY NAME FOR WAY TO LONG AND TODAY IT HAS TO STOP, THIS SCAM OF A COMPANY PINNED ME WITH A UNAUTHORIZED ACCOUNT THAT I HAVE NO KNOWLEDGE OF! IVE SENT IN MY POLICE REPORT, AS WELL AS MY AFFIDAVIT AND JUSTICE, HAS STILL NOT BEEN SERVED! PLACING THIS FRAUDULENT ACCOUNT ON A INNOCENT HARD WORKING INDIVIDUALS CREDIT PROFILE FOR NO REASON IS MIND BLOWING, SICK AND INHUMANE! IM A VICTIM OF IDENTITY THEFT AND THAT'S ALREADY TEARING ME TO SHREDS AS IT IS! I CANT FURTHER MY LIFE AND MY FUTURE BECAUSE OF NATIONAL CREDIT ADJUSTERS! I DEMAND THIS FRAUDULENT ACCOUNT TO BE REMOVED! THESE COMPANIES PREY ON THE INNOCENT, WEAK, POOR AND NORMAL HARDWORKING INDIVIDUALS! AND IT NEEDS TO STOP, I HAVE FILED ANOTHER POLICE REPORT AGAINST YOU BULLIES AND JUSTICE WILL DEFINITELY BE SERVED TO YOU ALL! NOT ONLY ARE YOU TARNISHING MY NAME AND REPUTATION BUT I CANT GET A HOUSE OR A PLACE TO STAY BECAUSE, OF THIS FRAUDULENT UNAUTHORIZED ACCOUNT, THIS NEEDS TO BE REMOVED IMMEDIATELY OR I WILL SUE NATIONAL CREDIT ADJUSTERS AND BRING YOUR COMPANY DOWN IN SHAMBLES FOR THIS HORRIBLE FRAUDULENT SCHEME!
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I was notified of a purchase I made for a game on my son 's XXXX. I said yes I made that one purchase. Then When I received my statement there was over {$400.00} of purchases. I told them it was not us. During the resolution process XXXX  removed all the games that were illegally purchased on my card but Chase still will not remove them off my card even though I told them they were fraudulent.
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (CT)

Please see complaint filed XX/XX/21 - XXXX Submitted complaint XX/XX/21 for debt collection contacting/sharing someones information improperly. Company wrongfully wage garnished my stepmother at her employer after obtaining her social security number. Company refused to email me back or find my file via phone call. I contacted the attorney generals office because to be quite honest this has been a nightmare - they sent me the findings with the companys case notes which clearly show the my stepmothers social security number with my name and mismatch information. They wrongly wage garnished a person and clearly did not do their due diligence to ensure correct information. - Follow up below on why I am contacting you yet again on this issue : Jefferson Capital stated in the companys response Please be advised that Jefferson Capital does not have any personal information belonging to your step mother, Ms. XXXX XXXX. 
After reviewing the companies case notes obtained from the attorney generals office- file number ( please contact me ) on XX/XX/21 Jefferson Capital already began to use my stepmothers social security number, showing they clearly obtained XXXX XXXX XXXX stepmothers ) personal information.
Consumer complaint received 2021-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by Capital One. Capital One has never mentioned the legitimate charge for which I paid Capital One and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which Capital One owes me. Documentation supporting my position was mailed to Capital Ones Customer Advocacy Office however Capital One has never acknowledged the documentation. Capital One has erroneously reported my account as being delinquent thus destroying my credit report.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2021, I called National Credit Adjusters to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from XXXX, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from XXXX  ) The results were that the creditor has verified to XXXX  that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected
Consumer complaint received 2018-10-03
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. (PA)

I sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.
Consumer complaint received 2020-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (CA)

I have sent 3 separate emails to the company requesting payment deferment & relief from late payment charges and negative reporting, due to my decreased income during this pandemic on XX/XX/20 at XXXX XXXX, the same day at XXXX XXXX, and another on XX/XX/20 at XXXX XXXX. Neither have I received a single confirmation that my emails are being received, nor an emailed response from the company. 

But I continue to receive texts that my payment is late, the most recent was 'your payment is now 25 days late. ' Concerned that I will be negatively reported and frustrated by not knowing where my request stands, I called them today, XX/XX/20. I was told that my request was forwarded to their support employee named XXXX but the representative I was speaking with was not sure if XXXX tried to call me or send me an email. 

I told her that I definitely have not received any emails to my external email address ( I even checked in the spam folder ) or to my message box on lendingpoint.com. I further informed her that because I receive numerous spam and fishing calls, I do not answer unknown calls, which is why I initiated my communication to them through my lendingpoint.com message box. In the middle of our conversation, the representative 's line went silent, then completely dropped. I waited for a return call, but no effort was made to reach out. 

I have also tried in vain today to verify my pay-off amount and access my loan terms and documents but nowhere in my online account on their site did I see a link to the loan documents and the pay-off amount.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, The following companies has violated my rights. 

XXXX. XXXX  - Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX acct XXXX 15 U.S.C 1681 section 602 A

. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-03
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: ID Analytics, Inc. (TX)

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX did it, but XXXX  and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER XXXX  WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX XXXX AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Consumer complaint received 2018-10-03
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)

XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.
Consumer complaint received 2020-08-26
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. (LA)

I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.
Consumer complaint received 2019-08-14
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. (MN)

XXXX XXXX This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day  of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NV)

I have a notification from XXXX is showing that my credit is not going down and it stays at the original amount. I started at {$1500.00}. Can you guys check and see why they keep me pretty much the amount I took out versus the amount I have paid I havent ever made XXXX late payment for some reason they keep reported to the credit company and they keep Lowing my credit.
Consumer complaint received 2020-09-09
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. (FL)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OK)

I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Central States Recovery, Inc. (KS)

While at my bank on XX/XX/XXXX, I was alerted by my credit monitoring service that there was a derogatory entry put out to my XXXX file tied to a collection company. At first, I was not able to determine the source of the collection, as I didn't owe anyone anything. When I got home, I immediately got on XXXX XXXX   website to do a dispute. I entered all the correct information about myself, then answered all the security questions correctly, to prove who I was. Once in my credit file, I could see that a company, Central States Recovery in XXXX, KS, was reporting a collection against me for {$26.00}. This was a fraudulent collection entry as I did not owe this money, so I went ahead and filed the dispute, only to learn a short time later, that this collection activity was due to the incompetency of their client, XXXX XXXX of XXXX, KS, for not having the correct address in my file. The bill in question was paid, in person, way back on XX/XX/XXXX, because I had not received anything in the mail from them. I was assured then, that she would pass on the updates, and that it was long before ever going to collection. I was " all set '' according to her. Come to find out on XX/XX/XXXX, that never happened, because CSR had no records of such change. Again, the person at XXXX XXXX was supposed to have updated all parties with the correct information, but has no proof to provide she ever did. On Sat, XX/XX/XXXX, I got an email from XXXX  indicating that my dispute has been finished, and to log in with the supplied reference number to view the results. I did as before, entered all of my correct information, as well as the supplied reference number, but this time I got a message that the information I had entered did not match what was in your system. So now, I've gone from bad to worse. I'm trying to buy property as well as a vehicle, but now I'm frozen, and am at risk of losing the property I want, as well as a promotional interest rate for the vehicle. All because CSR will NOT correct their error. First CSR told me on XX/XX/XXXX, they were going to expedite that correction with you, because it was their error, to then saying on XX/XX/XXXX, that you issued them a " cease and desist '' order, dumping everything on me. This whole mess is due to the incompetency of an office clerk at XXXX XXXX, and this collection company, who but the way, has dozens of legal complaints against it for this very type of activity. When I try calling XXXX, all I end up is being put through a series of phone options. NO HUMAN TO SPEAK WITH! According to the FTC, KS Attorney General, XXXX, bank, and others, CSR is in violation of several FCRA, FDCPA Laws, to which they know, but don't care.
Consumer complaint received 2024-02-26
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-11-30
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. (TX)

I have a negative account showing up as a closed account on my Equifax credit report. 

the account isn't mine it has been removed from the other two credit agencies. Credit card for XXXX XXXX amount {$500.00}. That account belongs to someone else. I have no responsibility for the account at all. I have disputed this 6 times and it keeps coming back as verified. The account holder has a different and Equifax needs to do a legit investigation and remove this from my file. I know for a fact this is not my account as I have already spoken to the original company and they told me to file a dispute and it would be corrected. That's why it was removed from XXXX and XXXX. 

It clearly says this was not my account It says Authorized user Authorized users aren't legally responsible for making payments. I was not the primary account holder on this account
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MN)

I was granted a trial period of 3 months, but they didn't lower the payments so was still struggling to get the last payment in. On the last day of being able to make a payment I was unable to pay online and was on hold for 45 minutes so unable to make a phone payment. At the time I didn't know it was the last day they would accept payment. 

Ever since I have been trying to work through another loan modification and I have been sending so much paperwork in, and when I talk to the people on the phone they tell me everything is fine and that they have everything. 

But I don't always get the same answers and I never know who to believe. Recently I called 4 times in 2 weeks a Thursday and then Tues, Wed, Thurs the next week and everyone I talked to said I had all my paperwork in. 

But when the Attorney General received my paperwork and tried helping me out they started to say that one of my papers was outdated and they closed my account. They told him that they tried contacting me and they sent me letters but, I would like proof because I never received the letter saying I needed an update date, and why didn't the people on the phone inform me? 

I haven't heard from them in what seems to like a year until the other day, That is what prompted my call to them the first Thursday mentioned earlier the person I spoke with worker XXXX around XXXX central time said he didn't know why I got a phone call because everything looked fine. 

How can I turn in something I didn't know they needed. This keeps going on, I keep getting mixed messages, and they drag things out so long that I have to resubmit everything I already submitted but with new dates. I have re-dated this from " hardship '' at least 3 times. 

Please help us save our house I have XXXX grandkids living with us along with my daughter, son-in-law and boyfriend who also owns the house.