davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lake Area Collections, LLC (TX)

I received services from XXXX XXXX XXXX in XXXX XXXX, LA in 2015. I asked for them to tell me how much it was going to cost so I could budget in anticipation of the treatments. I received a quote for how much I would have to pay based on them saying they checked with my insurance company. After my treatments, I was presented with a bill for an additional {$450.00}, which I had not budgeted for. At the time, I was recently unemployed. My insurance covered whatever they covered, but the additional amount came due during the time that was recently unemployed. I tried working it out with XXXX XXXX XXXX, but my unemployment was for an extended period of time. The accounts receivable person finally said that they would send it to collections. 

I received a bunch of phone call messages over the past twelve months from a telephone number in the ( XXXX ) area code that left messages saying that " ... a claim had been filed against me and to prevent further action to please call this number ... '' and they provided a number. The message didn't say who they were or why they were calling of who filed a " claim '' against me. Last month, a new derogatory remark showed up on my XXXX  credit report, and it was from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I've been in the process of cleaning up my credit and paying off the three creditors I had past due balances with. This derogatory remark from XXXX XXXX XXXX has fouled up my otherwise newly-cleaned up credit. I want this remark removed or revised. I'd be glad to make arrangements to pay the balance. The menacing phone calls I received with no verification of who the calls were from or what the calls were for felt like a scam to me. I experience a breach of my bank account and credit card last summer and this past fall, so I am very wary of callers that don't identify themselves and those that want me to volunteer personal information over the phone to an incoming caller. 

Can you help with this?
Consumer complaint received 2019-03-09
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: EQUIFAX, INC. (MO)

Looking at my credit report after my identity has been compromised some time ago I've noticed many accounts inwhich I have absolutely any knowledge of, so big and some small but I'm still taking the same steps in removing and recovering them all. These reporting unverified items I'm disputing and asking for physical documentation for each. Documentation that will afford me physical evidence as stated in the FCRA literature. I want to know who, when, and where investigated these following accounts and I'm requesting an updated correct report. Items in dispute and requesting to block from report if not supported by physical and tangible documentation. 
1 ) XXXX XXXX XXXX {$55.00} 2 ) XXXX XXXX XXXX {$530.00} 3 ) XXXX XXXX {$490.00} 4 ) XXXX   XXXX {$370.00} 5 ) XXXX  XXXX  {$500.00} 6 ) XXXX XXXX XXXX {$3.00} 7 ) XXXX 's And XXXX {$220.00} 8 ) 11 XXXX XXXX {$200.00} 9  ) 11 XXXX XXXX   {$530.00} 10 ) 08 XXXX  XXXX XXXX {$370.00} 11 ) 08 XXXX XXXX  $ XXXX 12 ) XXXX XXXX  {$200.00}, {$490.00} 13 ) XXXX XXXX XXXX {$2.00} 14 ) XXXX/ XXXX {$510.00} 15 ) XXXX/XXXX   {$0.00} 16 ) XXXX/ XXXX {$0.00} 17 ) XXXX/ XXXX {$0.00}
Consumer complaint received 2019-03-08
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: DISCOVER BANK (TX)

My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX   and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2019-03-08
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: CAVALRY INVESTMENTS, LLC (TX)

My name is XXXX  ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2020-01-31
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My home has passed the 80 % loan to value mark and I want the PMI payments to be removed from my mortgage with Wells Fargo. I called the lender and they gave me the run around. There is no reason for me to pay an additional {$220.00} a month on my mortgage. A full 25 % additional each month. I have 6 years of onetime payments. I want this PMI removed and not by going through a refinance. Please help.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MO)

The enhanced recovery company has reported an account for sprint to my credit report that was previously disputed and removed from my report by diversified consultants XX/XX/2018, that company was not able to provide proof of the debt owed and after failing to provide information proving the debt was owed deleted debit closed account and deleted it which is required.
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

I have had XXXX XXXX XXXX and XXXX XXXX constantly calling my phone and my Granddaughters phone, I have done them that i am just not financially able to pay the debt, yet they keep calling multiple times a day with a different number each time.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc. (OH)

FINANCE SYSTEMS OF TOLEDO IS TRYING TO COLLEXT XXXX FOR A DEBT THAT I ALLEGEDLY OWE TO THE LIBRARY. FINANCE SYSTEMS LIED DURING THE FIRST COMPLAINT AND STATED THEY SPOKE WITH A LIBRARY ADMINISTRATOR. THERE IS NO LIBRARY ADMINISTRATOR AND THEY NEVER CALLED. I SPOKE WITH THE LIBRARY MANAGER NAMED XXXX WHO CONFIMED THAT THE BOOKS WERE TURNED IN AND THAT FINANCE SYSTEMS NEVER CALLED TO CONFIRM
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-08-02
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: EQUIFAX, INC. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 2020-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (WA)

Ive called key bank multiple times to have them send me a new card to my new address ive sent a change of address with photo and they still are saying they cant issue a new card im getting so upset because i have bills to pay can someone please help me get my unemployment card
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (GA)

Zwicker & Associates did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is releasing unauthorized information. They are selling info that was removed from files, reporting DELINQUINCIES and credit slanderous terminology- as are other bureaus- on disputed, removed, or paid accounts. Even accounts that were closed illegally by companies ( who refuse to comply w fin regs ) are reported as delinquent. THIS IS UNLAWFUL DEFAMATION. 

statements such as public record, serious delinquincy, time unknown ( it is known-by bureaus ), num of accts w delinquincies are wholly slanderous in nature- and are abused by those offering credit to deny credit when it should be approved.
Consumer complaint received 2020-08-25
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: Home Loan Center, Inc. (TN)

I put in information through Lending Tree on XX/XX/2020 at XXXX XXXX. I clicked on XXXX XXXX  2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I  used this chat feature on XXXX XXXX to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to XXXX XXXX  and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on Lending tree and XXXX XXXX. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

My complaint is because I have some unauthorized charges to my Discover bank, account # : XXXX, with a current balance of {$3700.00}. This charge was made in the XXXX of XX/XX/2017. All charges after XX/XX/2017 are not mine. Im including a police report and an FTC report and also a refusal letter from Discover bank.
Consumer complaint received 2020-01-30
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. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a car loan on my XXXX XXXX XXXX through Capital One Auto Finance. They have been great as far as arrangements and communication. My issue is that I made a XXXX payment on my account through XXXX in XXXX as I always do each month and they said that the payment was returned. I can not make electronic payments on the account. I have been making payments through XXXX at XXXX for the last 2 years with no issues. I spoke with a supervisor and she stated that XXXX or XXXX XXXX made a double payment and then returned one of them. This makes no sense to me as this is affecting my account. I would like this to be looked into and rectified. I have attached my statement reflecting the date that the payment was made. It is highlighted. 

I would also like for electronic payments or at least debit card payments to be reinstated on my account. I would like to begin making my payments directly to capital one. Everytime that I ask about this, I get the run around. 

Lastly, if possible, I would like for the repossession to be removed from my credit report. We still have the vehicle. I have steady employment and when that repossession happened I was unemployed. If that could be done, I would appreciate it. If not, I understand.
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind that. I knew my credit was good and there was no way. I then pulled my credit report on my own and saw a outrageous list of accounts that do belong to me. I have never seen these accounts please delete these accounts from my report. 

US DEP ED XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX  XXXX {$940.00} XXXX  XXXX {$120.00} XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX   XXXX {$100.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX {$22000.00} XXXX XXXX  XXXX {$22.00} XXXX, XXXX XXXX {$640.00} XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$160.00}
Consumer complaint received 2020-01-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lori J. Frank PC (MI)

During the month of XXXX, I have made repeated communication attempts with the law office of XXXX XXXX XXXX ( XXXX, MI ) who is trying to collect a debt from me regarding an unpaid college balance ( it is not a loan ). 

Initially, I was told misinformation about how the interest is applied to the principal and, after over 30 emails with the company, managed to have them explain to me that they made a mistake and recanted their initial statement about the interest. They attempted to have me sign the same agreement anyway at this point, but I declined saying that they would need to update the agreement to reflect the mistake they made. They did so. 

However, today ( XX/XX/2020 ) was the first day I was to make a {$50.00} payment, which I believed we had amicably decided upon after I accused them of being abusive and they lowered the monthly amount. My issue : the agreement reflects that my balance is {$5800.00} INCLUDING court fees, but their online portal says I owe {$6200.00} ( nearly {$400.00} more ). 

I attempted to contact XXXX and XXXX, who I was in communication with, but both were out of the office according to someone named XXXX. When I explained my complaint, XXXX said, " Oh, I'm uh, I'm going to work on that today. Sometimes the balances are reflected differently on the site than in the agreements. '' Excuse me for feeling suspicious, but that is not legal, right? 

I can not in good conscience make a payment on a debt if they are violating the Fair Debt Collection Practices Act. I have written proof that I have been suspicious of this company and called them out on it, and they have only cited blunders in their defense every step of the way. Now their website says I owe a significant amount more. 

I have proof of all communication with this debt collector, and a screenshot of the website that says I owed more than we legally agreed on ( about 6 % more in fact ). I also have a copy of the agreement that does not reflect the website 's amount.
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery called my house several times and did not present themselves as a debt collector and threatened a lawsuit. The last time they called they stated a suit against me had been filed. A week later here was a piece of paper on my door stating I was being served and needed to call the process server. 2 days later he showed up at my door and told my husband he can only talk to me. The next day there was another note on my door with my full name and date of birth. The next night I was home and he rang the bell at XXXX XXXX. Told me that he would come back every night until I took this document, they claimed was a law suit filed in my county. I did not sign for the document but took it and it is a false document. The court they referred to is not in my county. I checked court records and my name was not listed under the " case number ''. This started happening on XX/XX/XXXX. I received the documents on XX/XX/XXXX. The cover of the so called law suit is a collection notice from Portfolio Recovery for the amount of {$1500.00}. I have never signed anything with that company, they assumed a debt that was from another company.
Consumer complaint received 2019-02-22
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. (FL)

Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.