davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

I contacted XXXX prior to XXXX XXXX, XXXX to inform them that I was moving to a new residence. XXXX informed me that they did/could not provide service at my new address ( which happened to be in a different state ) and therefore I needed to stop my service. They did not inform me that I owed anything, but that I needed to return my devices that were owed to them. 
On XXXX XXXX, XXXX I received an email ( the only email after stopping service, email is attached ) stating that they had received my disconnect request, and again, did not state I owed any money. 
On XXXX XXXX, XXXX I returned the devices to the XXXX store in person, was told that I did not owe anything, and received a receipt stating that the devices had been returned ( attached ). 
On XXXX XXXX, XXXX I received a letter from a collection agency Diversified Consultants Inc. ( letter attached, letter dated XXXX XXXX, XXXX ) stating I owed a debt of {$220.00} to XXXX. I contacted XXXX and they informed me I owed the money as a cancellation fee as I had voluntarily cancelled my service. I informed them that I did not have an option, I did not want to cancel the service, but that XXXX could not provide service in the new residence I was moving to and therefore should not be liable for this cancellation fee, and in addition, XXXX never contacted me informing me I would owe this fee if I cancelled service. XXXX agent informed me that there was nothing they could do, but would have a supervisor call me back to resolve the issue. No supervisor ever called me. 
On XXXX XXXX, XXXX I sent a letter to Diversified Consultants Inc. disputing the debt ( attached ). 
On XXXX XXXX, XXXX I received a letter from Diversified Consultants Inc. stating that the amount I owed was valid. Also with that letter was a bill from XXXX ( attached ) stating that my service was disconnected with a balance due of {$220.00}.

I am disputing these charges because : 1 ) I was never informed prior, during, or after disconnecting my service from XXXX that I would be billed a disconnection fee. XXXX never contacted me about the fee before turning it over to a collection agency. 
2 ) I had no other option but to disconnect service from XXXX because they could not provide service at my new residence and I should not be responsible for this fee. 
3 ) I paid all money owed to XXXX for services delivered over a 4 year period, and should not be unduly charged a fee for moving to a new location, which this debt will negatively impact my otherwise good credit.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I had an XXXX XXXX XXXX XXXX that went delinquent. The account did not go to collections and I paid it and closed it, since I closed it they have been reporting as the balance is changing on my credit report, repeating false information, which is fraud and I had to ask XXXX why is this company reporting when the balance is XXXX .. they said contact the company which I did. I emailed several times after closing it and paid it off completely. The balance is XXXX yet they still remain open. This is a closed account by them. The company themselves closed it. I asked them repeatedly and Ive emailed them repeatedly to stop reporting on my account since it is closed and and paid off. I paid off the entire balance. It was not a settlement. It is at a balance of XXXX and closed. As you can see in one of the documents I uploaded the balance went from {$5200.00} to {$0.00} to {$5200.00} without my authorization the account is closed. They can not keep fluctuating the balance like this. The other document is the confirmation that the account is paid in full in 2023. Please help me with this.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

i got a personal loan, with discover personal loans, i maid my payments every month on time, even befored the do date, im a person that likes to paid correctly, my debts to credit companies, and i dont see why, the credit card companies never report the correct information to, the 3 major credit bureaus, every month correctly, because, reporting to them that we have a balance, when we dont have a balance, now that damages our credit score, because credit bureaus, use this information to drop down our credit score, this means that our credit score never gets better, and unfortunatelly us consumers we need a good credit score to survive in this country, but, with the credit card companies reporting the wrong information to credit bureaus, it doesnt help, now when i contact them, they allways are full of excuses, or send the problem to the credit bureaus, that means a dispute that could been fix, with the credit card company to begin with, because a dispute with the 3 major credits bureaus, is dificult to get fix, takes longer and, they allways drop the case, saying that there is nothing that they can fix, or send us back to the credit card company, truly, there is no win the situation, and us consumers we take the hit, looking to our credit to drop bad, and thats my complain
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

XXXX XXXX reported an account from XXXX XXXX on my credit reports that were not mine. I contacted XXXX XXXX on this matter and sent them my drivers license, State ID and Birth Certificate. I asked them to provide any proof that this was my debt. This account was also created prior to my XXXX birthday so I do not understand how this was even established. I contacted XXXX XXXX a few months ago when this first popped up on my credit report and it was removed after I sent in all my identification. Now it reapperaed and is hurting my credit. I also did not receive anything in writing that this was even a debt. the only way I found out was when I ran my credit report.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (VA)

Ove the course of 4 years, it seem like our money was disappearing... Also, it looked like the bank was giving us fees when we had more than enough money. They also seemed to be pusing transactions through just so we can get the fees. I calle dthe band and when I started to ask questions they told me I couldnt call nor go inside of the bank. 

XXXX XXXX
Consumer complaint received 2018-06-17
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: WELLS FARGO & COMPANY (SC)

Wells Fargo XXXX. XXXX XXXX XXXX XXXX, IA XXXX. 
I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with Wells Fargo that is being reported on my XXXX, XXXX, and XXXX credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " Forcing fees the bank should have covered '', " paying additional fees and mortgage services '', " requiring private mortgage insurance '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are damaging my credit score. I have disputed these errors over 6 times with XXXX, XXXX, XXXX and Wells Fargo. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both Wells Fargo Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the Not Reported ( NR ) on my 81 month payment history to reflect Pays As Agrees on a monthly basis from XX/XX/XXXX to present on both Wells Fargo Accounts. Attachments : Wells Fargo payment history from XX/XX/XXXX- XX/XX/XXXX The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : Wells Fargo payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. Wells Fargo, XXXX, XXXX, and XXXX  maliciously refuses to correct my 81 month payment history on both Wells Fargo accounts. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

I looked at my credit report earlier this year and noticed 7 accounts that are reporting inconsistent information/inaccurate across all 3 credit bureaus XXXX XXXX equifax.i asked the company 's to investigate, and I keep getting the accounts updated with inaccurate information.they are reporting charge off accounts repeatedly and it is manipulating the statue of limitations.the following accounts are violating my federally protected rights and I'm requesting {$1000.00} per violation I've counted XXXX and violations from all of the inconsistent reporting.please pay me or delete the accounts.ive been battling stage XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX repossessed my XXXX with no notice in writing or by phone.while I XXXX XXXX XXXX and they left me with no transportation.because of there predatory lending practices I Became homeless and not able to get back and fourth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or go to the grocery store.please help me protect my consumer rights against the following company'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all inaccurate/incomplete information reporting inconsistent information across all 3 credit reports XXXX XXXX equifax.please help me I need to buy a car to get myblife back in order and I'm not able with 2 repossessed cars on my credit report.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/year> : I called American Express to close my XXXX XXXX that I rarely use. 
XX/XX/year> : they charged me another annual fee. 
XX/XX/year> : Amex deducted the annual fee from my checking account. 
XX/XX/year> : In a chat on the Amex website I am told they will offer me a pro-rated refund of {$600.00} instead of the full {$690.00}. I ask whether they have a record of my phone call and they tell me : " We are from the chat support team and do not have access to call records. We will need to submit an investigation to check what exactly happened on the phone. '' AShould n't Amex support have access to Amex support information? 
After all over XXXX minutes in chat with XXXX different agents- they " can't '' send a transcript- they offered only a pro-rated rebate of {$600.00}. I accepted that. 
They promised to complete the " investigation '' within XXXX days.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Americas Car-Mart, Inc. (AL)

XXXX received payment for this totaled car I was only the cosigner on this car and they were supposed to have repossessed this car multiple times and remove me from it but continued to allow the owner to retain the car. XXXX deemed the car totaled and paid them and they are still saying that the information on my credit report is accurate and it is not. I am not the owner of this vehicle and simply the cosigner.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Experian also reported an account from XXXX XXXX XXXX opened last XXXX 2015. This is not my account. I am a victim of this credit bureau 's mixed up files. attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.
Consumer complaint received 2018-06-16
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: Freedom Mortgage Company (TX)

Company : Freedom Mortgage ( Ironic name ) XXXX XXXX XXXX XXXX, TX XXXX Background : We were selling our home and had closed on XX/XX/XXXX and were assured that the wire transfer would be received before XX/XX/XXXX. 

On XX/XX/XXXX I called Freedom Mortgage at XXXX and spoke with XXXX ID : XXXX. I was calling to make sure that if the wire transfer was received that day that there would not be a hit on our credit. The representative placed me on hold and assured me that it would not affect my credit. I was willing to make a payment but since he started as long as your closing documents show before XX/XX/XXXX. It will not affect your credit I was on the phone with this gentleman for 20 minutes to ensure there would be no discrepancies with my credit. Yet here now I have a late payment reported from this lying company that has dropped my score over 100 points!! 

Our documents clearly show that we closed before XX/XX/XXXX!! When I called in ( talked with XXXX ) I was willing to make a payment!! I even asked if I needed to send in my documents showing we had closed on that date! 

I am absoutely FURIOUS that I was lied to! I had the money to make the payment and was happy to do so!! The call with XXXX was recorded and all of the conversation and my attempts to take care of this can be heard. 

Because I had made an honest attempt to resolve this, reached out to ensure that there were no problems, and was LIED TO about what would occur next from the companies representatives, the correct thing for Freedom Mortgage would be to remove the derogatory mark from all 3 of our credit reports. They got their money! All XXXX of it!! Why would they need to ruin the lives of three people trying to get by.

I would appreciate a prompt response to this matter
Consumer complaint received 2018-06-16
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. (GA)

On XX/XX/XXXX I submitted a letter to Experian requesting an investigation into inaccurate information being reported on my credit report. In my letter to Experian I listed specific accounts and they are as follows : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX. I requested the original signed contracts of these creditors and if the information could not be given then these creditors should be removed from my credit report. 

In XX/XX/XXXX, I received a letter from Experian which stated a complete investigation was performed in XX/XX/XXXX and the information on my credit report is accurate. Experian wants me to send relevant information supporting my claim and if I didn't send relevant information they would not reinvestigate this information again.
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (FL)

i do not recognize those iquiries in my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-05
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: Experian Information Solutions Inc. (OH)

On XXXX XXXX, I mailed to Experian via XXXX certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX XXXX  XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX. The identity theft report also included inquiries. 

The documents were delivered to Experian on XXXX XXXX, XXXX, in XXXX TX. 

To date, I have not received any information related to the above information and report.
Consumer complaint received 2018-01-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed