davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

In XXXX XXXX XXXX I got notice items were removed and added to credit report for Equifax. There was XXXX delinquent items deleted and XXXX new ( valid ) accounts added. On today XXXX XXXX XXXX I received notice my credit score had dropped and not only was those items added back but the actual new credit lines that was previously added has been removed. I call Equifax and was adviced there is nothing that can be done. Not only was I not notified, this is neg effecting my credit that I 'm working hard to repair. In addition I 've notified the bureau on several occasions they have incorrect personal information. The addresses being added were removed and added back. There should only be XXXX address which is XXXX XXXX XXXX XXXX Al XXXX
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX incorrect information. 
Previous balance of {$3000.00} was the original purchase in XXXX, was never late since the interest was 0 % for 1 year or 23 % if not paid in full. original purchase was paid in full back in XXXX, then additional purchases were done and was again paid in full in XX/XX/XXXX as will show the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB
Consumer complaint received 2017-08-18
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)

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my Experian and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (GA)

Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX  and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original  Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX   aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Consumer complaint received 2017-08-18
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. (TX)

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Consumer complaint received 2017-08-18
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. (TX)

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

I have tried on numerous occasions to have these inaccurate debts removed my credit reports. I was never given notice that I had a right to dispute them before they were added. Upon checking my credit reports, that is how I found out about the accounts. I have disputed the debts with this company, asking that they validate that I have done business dealings with them, also asking that they send me proof of my signature agreeing to pay them.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.
Consumer complaint received 2016-12-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am a victim of identity theft and someone made unauthorized inquiries for credit with my information. XXXX were made under my name to Capital One Bank on XXXX/XXXX/16 and XXXX/XXXX/16. And I am asking them to please delete them. The credit bureaus state they can not remove them unless Capital One gives them permission.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX 2017, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and XXXX XXXX re-added the account to my TransUnion file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I have filed numerous reports with the bureaus, I filed a police report, I have disputed the accounts being reported as collections by Services of Athens. When XXXX investigated the accounts, with total disregard of the theft reported ; Service of Athens continuously verified the debts with the bureau, erroneously claiming they are mine. This has gone on for over a year. They have had substantial time to correct the matter and refuse to do so. account number XXXX for {$24000.00} and account number XXXX for {$42000.00}
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already received my credit report from Trans Union. I disputed XXXX incorrect addresses showing on my Trans Union report. They removed XXXX but not the other. I filled out a form and mailed to them to remove the XXXX address *that i had already requested* no response, no correction. I am now trying to view online and start a dispute, AGAIN, over the SAME 1st request. Now Trans Union says credit reports are not available at this time. This credit agency is a farce.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TENET HEALTHCARE CORPORATION (NC)

I would like to file a complaint about a representative of Central Financial Control. My roommate XXXX. ( I am happy to provide both my number and the number of my roommate upon request ) was on the phone with this representative ( call began XXXX/XXXX/XXXX beginning at XXXX XXXX ) with my permission and she was on speaker phone so I could hear the content of the conversation. I believe the representatives name was XXXX and but I was unable to hear his employee ID or branch number. As we dialed in my account number before speaking to him, it should be easy to look up who we spoke to. The phone call only lasted 2 minutes and 36 seconds, but in that period of time he yelled, threatened, and cursed extensively. The representative told me that he did not give me permission to record the conversation, so I do not have a recording of his cursing spree, as due to his request I stopped the recording. Considering that XXXX. was calling as my representative, reaching out to the company in order to *pay* a debt when I had not ever even been contacted by the company ( I discovered the debt in a review of my credit report ), I am shocked at this kind of abuse from their employee. I am sending a letter to the company reminding them that the Fair Debt Collection Practices Act of XXXX does not allow employees of debt collection agencies to use obscene or profane language, which he certainly did- with XXXX witnesses ( myself and my roommate XXXX. ). I also let them know I have reported this behavior to the Consumer Financial Protection Bureau and I would like to know the name and employee ID number of the representative we spoke to and what they are going to do about his behavior on their end.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COOLEY ENTERPRISES INC (TX)

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Consumer complaint received 2016-06-22
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo are stating stating XXXX different amounts that I owe. I requested information and thus far they have not provided me with anything as of XXXX XXXX, XXXX. Meanwhile I have a schedule foreclosure of XXXX XXXX, XXXX. 

Wells Fargo had no intention of modifying or verifying the amount I owed.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Credit Network Inc (CA)

My complaint is that i was told by the hospital XXXX XXXX that i should wait to pay my bill to see what my insurance picks up. so that time passed 2 or 3 years goes by. My wife and I think her multiple XXXX and mine have been covered 100 percent. We get a call from Financial Credit Network informing us we have many accounts in delinquency. All of them with XXXX XXXX hospital. Without any type of warning shot they want all the money now which i do n't have. All these accounts are for XXXX to XXXX dollars to XXXX dollars to XXXX dollars. So they pummel my credit report with several delinquent accounts with the same hospital i owe the money to. Meaning so instead of owing 1 delinquent account for XXXX dollars i owe several accounts for XXXX dollars to XXXX dollars destroying my credit. Just because i could n't give them the money right there and then. That would be like someone owing on a XXXX that went delinquent and getting reported on for that XXXX XXXXXXXX 40 different times because it was used at XXXX XXXX XXXX XXXX XXXX, the gym at XXXX XXXX. Well you get my drift i hope. It is unfair credit reporting because first of all it is the same place XXXX XXXX XXXX, Second of all I was never afforded the opportunity to settle this bill with the hospital before it got this big. Try calling them they never pick up the phone and they never call back after leaving messages. My wife is XXXX I am a veteran with medical issues, I tried to explain to Financial Credit Network how bad they screwed my credit up. For something i did n't even know about? How can these people hurt the public so bad and not even have to answer to anyone. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OR)

Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,