davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
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: EQUIFAX, INC. (TX)

I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

In XX/XX/XXXXa valid debt was charged off from XXXX XXXX XXXXXXXX/Paypal XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XX/XX/XXXX. I received a settlement letter on XX/XX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. When I called XXXX on XX/XX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call XXXX XXXX XXXX XXXX ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to XXXX on XX/XX/XXXX and explained the situation. They told me to call XXXX XXXX XXXX ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX XXXXXXXX, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or XXXX handling this account and that I should work through XXXX hold ( XXXX ), a company I 've never received anything from. 

I have called XXXX hold and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX , XXXX, XXXX, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid two years ago and I 'm being scammed in an endless loop of calling other scammy businesses.
Consumer complaint received 2017-11-01
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: EQUIFAX, INC. (GA)

I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
Consumer complaint received 2017-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX/XXXX/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.
Consumer complaint received 2024-09-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Better Debt Solutions LLC (NC)

I reached out to a few agencies so I could consolidate my debt. I ALWAYS pay on time, I have never been late, but I wanted to do this before I did start paying late or had to keep from paying because I was drowning. Of course they come back and say they can't do that, but their partner Better Debt Solutions told me they could help me, they could work with my creditors and lower the interest rate. it would not show up on my credit that I was working with someone. It would only take a month, and it would not have a negative affect on my credit. I am paying them a much lower price, it has been almost two months now and my credit is tanking, the creditor who has reported late payment has not been contacted despite me giving them the information multiple times. I was told they work with these companies all the time and it would take no time to fix this, yet every time I mention to the people at Better Debt Solutions, they say they haven't talked to the account managers yet. Which is a contradiction, because they tell you they work with them all the time. 

I worked really hard to get my credit where it was. I did have high utilization, but I always paid on time. XXXX was lowering my limits on my cards almost monthly and that made my utilization go up and my score go down. It was always a battle with these frauds, and they are the first ones to report no payment, which should not have happened because Better Debt Solutions could easily get hold of them. 

The protection bureau should have a program to help people so it doesn't affect your credit scores so much OR make it where credit scores are not what makes a person worthy of things. 

It is absolutely atrocious that a score is what makes a person worthy. People have multiple bankruptcies and they are allowed credit immediately, but hard working Americans do what is right and get the shaft.
Consumer complaint received 2017-10-31
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. (KY)

My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as  reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Allied Servicing Corporation (OH)

My house loan was sold to another loan place in XXXX of XXXX from XXXX to Allied Servicing Corporation. My house taxes became due in XXXX XXXX, I had no idea they were not paid until i received a letter in the mail from XXXX XXXX clerk office in XXXX stating that they needed paid by XXXX XXXX to prevent my name from being in the paper, so I called Allied and asked them about it they kept giving me the run around on the situation I then talked to a XXXX XXXX on the XXXX of XXXX and she said she got it straightened out with XXXX which is the girl who takes care of the escrow stuff XXXX XXXX said that they were being paid that day, well I called back on the XXXX to double check and XXXX XXXX told me that they were being paid, I then called the XXXX XXXX office on XXXX XXXX just to make sure that they were paid well they told me that they had not been paid yet so I called Allied back and once again I talked to XXXX XXXX she then told me that they were not paid and they would not be paid because I was negative in my escrow account I preceded to ask her why they were not paid and why she told me on the XXXX and XXXX that they were going to be paid well she would n't give me an answer she was very rude and then she said I am hanging the phone up and the phone went dead, I tried for an hour to call back they would n't answer so i called back on my cell and XXXX XXXX answered and I asked to speak with a manager and she said there was not one available and she hung up. I do n't understand why they are n't paid and then they could do an escrow analysis to make up the difference. Would you please help me with this situation because Allied wont talk to me. Allied number is XXXX My account number is XXXX my name is XXXX XXXX Thank You so much
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (GA)

Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. 


Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}
Consumer complaint received 2017-11-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

XXXX XXXX and Covergent Outsourcing Inc applied a debt to my social security number for ( XXXX XXXX XXXX regarding account XXXX that was n't in my name it was in the name XXXX XXXX XXXX Not XXXX XXXX XXXX for a debt of {$660.00} to {$1200.00} upon disputing and sending police reports and identity theft affidavits and proof of residence the mailing came in ( XXXX XXXX ) and now Have My Name XXXX XXXX XXXX on them this was clearly a fraudulent account not in my name or social and is affecting my credit
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (NM)

On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.
Consumer complaint received 2017-10-31
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)

On XXXX XXXX XXXX I sent via Certified Mail disputing several inquiries that I did not authorize. Transunion has since received the mail and neglected to investigate, provide the burden of proof or remove the unauthorized inquiries. 

Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX UNIT XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : Online InfoDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, NC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX
Consumer complaint received 2017-10-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NY)

In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.
Consumer complaint received 2017-10-31
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. (CA)

I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX/XXXX/XXXX I spoke with representative XXXX ID # XXXX @ XXXX ; XXXX am to advise him that I needed to replace a credit card. I was advised no problem, I was also advise " Not To Make A Payment and No Late Fees would inquire on my account, I should receive the replacement card in 7 to 10 business days ''. I received the replacement card along with a NOTICE Of Late Fees and a additional payment requested. On XXXX/XXXX/XXXX, I had called Capital One regarding clarification on the new billing statement that I had received. The new statement advised me of the non payment plus a late fee. I advised XXXX # XXXX XXXX of the issues and she hung up on me. I called back and spoke with XXXX # XXXX regarding the issue again - no recourse ... so I asked to speak with a XXXX. XXXX XXXX # XXXX # XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX was very rude would not let me talk until I called her out so she would listen. I asked to speak with her Mgr - XXXX XXXX XXXX and I was advised her XXXX does not speak with the PUBLIC - in my opinion nothing was achieved and i asked for a review. I was advised that takes 6-8 weeks. Its funny when the public wants to get something done and we pay our bills ... ... .I takes a act of XXXX to even think about doing something ... .But when they want their money they want it YESTERDAY. If the original associate was provided with the correct training and provided the correct information at the time of the call. their would not be a complaint. If and when I get this card paid off. I will never get another Capital One Credit Card Again ... ... It 's not worth the constant hassle. The employees at Capital One do n't appreciate where their paychecks come from
Consumer complaint received 2017-10-05
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: Experian Information Solutions Inc. (CA)

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have  called XXXX, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.