davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

dear sir/madam, the   XXXX   XXXX   XXXX  , was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on   XXXX   XXXX   XXXX   {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX   XXXX   Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late  0/0/0 Re marks Charged off as bad debt Profit and loss write-off
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have disputed these accounts multiple times with experain and XXXX XXXX. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what XXXX XXXX has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, equifax and XXXX are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.
Consumer complaint received 2017-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (CA)

On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.
Consumer complaint received 2016-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (CA)

1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00}
Consumer complaint received 2017-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NC)

I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TX)

Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.
Consumer complaint received 2017-05-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

Care Credit has  two accounts on my credit report listed as closed one showing sold for profit loss and one showing {$370.00} past due and {$710.0 0} is the current balance due. My credit report was pulled and it shows  XXXX  accounts open months within each other with a {$800.00} credit limit. I called care credit and asked for a layout and what all services was these accounts used for. They stated they was both sold to a third party so they can no longer communicate on that account. I sent a letter asking for validation for both accounts. Never received an answer. I then did a dispute with  XXXX   XXXX  on  XXXX   XXXX ,2017. On    XXXX   XXXX  2017      XXXX   XXXX  says my dispute is closed and the account is accurate and I am responsible. Now my credit report has been updated and now showing as a open account on my credit report with a past due balance and 87 % credit utilization and the last  three m onths with missed payments. I have created a second dispute which is now pending for another 30 days.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union made a giant error and wiped away inquires on thousands of peoples credit file, but to make things worse they went back and tried to remember which files had been affected and which ones were not affected. By law, and pursuant to the debt and fair credit act, customer should have been notified, before trying to place these erroneous inquires back on customers credit file, but we were never contacted. So once I found out that I was indeed a victim I contacted Trans union and notified them that I was one of the victims of their inquiry mishap and that I wanted those inquiries that had been wrongly placed * back* on my credit file removed, I was told that I was not one of the victims and that they could not remove them. This is very wrong in every since of the word. I was indeed a victim, and I want these inquiries permanently removed from my credit file..
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (TX)

I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$35000.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$260000.00} Late/Open
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

XXXX / XXXX /  XXXX    XXXX   XXXX   President and CEO  , Wal-Mart Stores , Inc.       XXXX   XXXX ,   XXXX    Wal-Mart/SYNCB   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Attention : Credit Car d Services ,  XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX   XXXX   XXXX   XXXX   President and CEO, Wal-Mart Stores , Inc.      Please be advised that I am reporting Wal-Mart/Synchrony Bank to the Better Business Bureau due to the claims of not receiving my payments that are received by Synchrony  Bank on behalf of Wal-Mart, and then the Wal-Mart account shows delinquent on my account, Synchrony Bank call center ( out of US juris diction and no one at this center answers the phone for months ) sends annoying calls to me ( when I have paid my account online ) stating that the my account is closed due to delinquent payments. This act on the part of  Walmart/Synchrony Bank represents a scam to confuse the customer ( s ) online who has paid on time and can not determine as to where the payments are received when paid online by the customer ( s ). My account is closed, but the Better Business Bureau needs to investigate matters of this type to stop the harassment made by Synchrony Bank on behalf of Wal-Mart or vise versa profiling and selecting zip codes to be sent out of the United States where the likelihood of reporting this profiteering by Wal-Mart/Synchrony B ank.     Thank you.    XXXX   XXXX   XXXX ,  XXXX
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which  they ust placed  on my credit reports it took my score down  XXXX  points. Mind you   XXXX    was suppose to pay off EVERYTHING so how did a dollar slip thru the cracks How are they allowed to keep screwing my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a DOLLAR really. I called  XXXX  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY SCREWED UP, and I am paying for it
Consumer complaint received 2017-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I AM REQUESTING A FULL INVESTIGATION IN REGARDS TO MY LATE MOTHER. BEGINNING AROU ND 2004. THE FINANCIAL INSTITUTION I WISH TO BE APART OF THIS INVESTIGATION.I AM LOOKING FOR ANSWERS REGARDING THE SAVINGS, CHECKING, CD, SALE OF PROPERTY, PENSIONS DEPOSIT. DUE TO THE FACT MY MOTHER RESID E WITH HER  SON.HER LAST  SPOKEN WORDS MY SON STOLE ( ALL OF MY MONEY ). SO AS HER DAUGHTER, AND PRIMARY CAREGIVER TO HER END I AM GOING TO PURSUE THIS  MATTER.WHAT  HAPPEN TO HER FUNDS!!!!!!??????????????
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was assuming that I was creatign a free account on Transunion website. However, that was not the case. The website shows a poor job of telling you if the account you are creating if free subscription or paid. All it says is credit monitoring and that it is a subscription that you can cancel anytime after going to the website from a XXXX search of Transunion credit report. It does n't mention if it is a trial either where you have x amount of time to cancel. All it does is tell you to create a user name and password, enter your personal information, and your credit card and go to your profile. After going to my profile, I had issues getting TU Credit Lock feature to work due to some mismatched information that I do not know of. I contacted Customer support online and offline, Fraud department, and other numbers mentioned on gethuman to resolve the issue but each department kept referring me to call the other where no one knew about the service and the reason for the issue, and how to resolve it. It is then when I looked into the issue myself as I looked to check my profile information on the Transunion site that I have signed up for a paid service and that they took {$20.00} out my account. I contacted the billing department and that stated that since I signed up and automatic payment was made that they will not refund me the money despite their misleading webpage regarding what you are signing up for and if it costs. After informing them that I will make a complaint, they have now updated their page to show the pricing.