davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (MO)

I disputed the legality of the debt because I do not recognize XXXX. I took out a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX back in XXXX in the amount of {$800.00}. I paid three payments of {$250.00} with one returned by my bank for NSF. They re-ran this ACH three subsequent times, causing further overdrafts. Then in XX/XX/XXXX of this year, I started getting correspondence from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX is a tribal entity that bought this debt and onctheir behalf, the above collection agency is trying to collect {$1500.00}. I am disputing this allegation/claim because I have never done business with XXXX. Also, XXXX XXXX XXXX refused to verify the original debtor, XXXX, the original date of the debt and the amount. They listed it on my credit report as a debt originated in XX/XX/XXXX, which they are claiming as a new debt. Further, they are using an ACH withdrawal per XXXX ; to verify the debt as being owed to them. When I spoke to XXXX, he asked for my SSN, which I provided and said I did not recognize the loan originator and the dates. He then mentioned XXXX and pressured me to settle. I was unable to clarify to him that the debt originator and dates were incorrect. He was rude and told me I listened to you and now you will listen to me.
Consumer complaint received 2018-11-13
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)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/XXXX, I got out of the military and opened different lines of credit as I continued my career in the civilian sector. On every credit account that was opened, I also opted in to the " XXXX insurance '' on said accounts to ensure that I was covered in the event of XXXX. This includes two debts from portfolio recovery in the amounts of {$390.00} and another for {$3100.00}. This year, I underwent a XXXX that caused me to become a XXXX XXXX XXXX  XXXX Veteran. Upon becoming XXXX, my Wife contacted the original creditors in order to implement the XXXX protection on my accounts. I have asked Portfolio Recovery repeatedly to verify that there was no XXXX insurance on my accounts, as they are trying to collect on a debt that was covered. I have disputed with the credit bureaus and asked them to show this information and they have not- to date, yet continue to report negatively. I was never given any notice of the debts before they showed up on my credit report and then why I asked for validation because I knew I had XXXX insurance, the request was simply ignored. I only learned of the amount claimed that I owe, based off of my credit report. Today, XX/XX/XXXX- I logged onto the portfolio recovery website and clicked " live chat ''. I asked if the debts were cleared up and was told that I had to call in. I have XXXX issues that prevent me from taking deep breaths, but have to call in to speak to a rep to try to resolve this from reporting? That is absurd. I am trying to resolve any credit issues that I have, but this company refuses to help me do so.
Consumer complaint received 2019-03-12
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)

XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & Experian back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Consumer complaint received 2018-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-12
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. (AL)

On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... XXXX XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , XXXX where I used to live before ). I have been in state of XXXX  since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.govXXXXXXXX, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
Consumer complaint received 2019-06-14
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. (MI)

I asked XXXX and Equifax to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Consumer complaint received 2018-11-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I submitted my mortgage assistant application on XX/XX/2018 since that date my point of contact XXXX XXXX will request documents week by week and most of the time she will request the same document as the previous week even though she confirms she receives it. i will attach all the documents that have been submitted letter of explanation as well. I feel she is delaying the process and dual tracking dragging the process with no reasonable explanation. When I try to reach out to her she is never available at her desk
Consumer complaint received 2018-11-12
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. (NC)

I have been trying for months to fix the issue with XXXX XXXX. They are reporting not one but two late payment on my account I have proof that I have paid the minimum balance every month before 30 days. I paid XXXX dollars XX/XX/18 payment due XX/XX/2018 minimum XXXX. I paid XXXX dollars XX/XX/2018 payment due to XXXX minimum payment XXXX dollars. I also paid XX/XX/2018 XXXX dollars minimum payment XXXX dollars. I have contacted XXXX  and XXXX  and they will not fix the problem after an investigation. I would like these false remarks to be removed from my credit.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I disputed the collection agency XXXX XXXX XXXX  regarding the Original Creditor XXXX XXXX XXXX a medical bill with all three agencies. I noted that based on cfpb medical bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the hospital for XXXX. I also chatted with Transunion 's rep and they also said the medical bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXX hospital/medical centers populate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attached the chat transcript and highlighted the rep 's entry that medical bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OK)

XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag. 

Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-11-13
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. (HI)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   FIN XXXX, and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-11-13
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. (HI)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (NY)

On XX/XX/XXXX I submitted dispute for card company and was told I have to wait 20 business days since I'm a new customer but I have been with netspend for 3-4 months now so I don't understand why it's the 12 business day now and my provisional credit it's not in my account
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have 2 complaints regarding Conn 's. My first complaint, is repeated phone calls starting the day my account is due through date payment is made. I may receive 10 calls, if not more in one day. I try to answer them all, and when I do there is no one on the line. I have asked the to call, leave a message and I will call back as soon as I can. However I have been told that its an automated system and there is nothing that can be done to limit calls. I am in the process of getting my call records to determine exact number of time they call me. 

Second complaint, I have a defective product I purchased. I have repeatedly asked about my options, it was not until a few days before my warranty expired they finally sent someone out to look. The repair person did not find anything wrong but " reinforced structure '' He also explained because of the type of sofa it would sink in the middle and told me to call customer service back if I was not satisfied. After being transferred back and forth, given wrong information and being persistent, now they are sending someone else out or my other option is to do a voluntary repossession, but still make the payment. I bought the sofa, for my daughter as a gift, a single person that works a full time job and is also a XXXX, and is rarely at home, so the sofa does not have a lot of wear and tear.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Back in XX/XX/2018 I made a payment on capitol ones mobile app. The app showed that the payment had went through. It credited my account the money and my credit linit showed XXXX again. This was my first true credit card. So i was unaware that some card companys for whhatever reason will sometimes take several days to pull this money from your bank account. I stupidly assumed that the payment had cleared my bank account based on the app showing my credit line was restored to the original amount. I was wrong. By the time the payment did go through my bank the money was not there. I do accept responsibility. I should have checked my BANK ACCOUNT and not relied on the capitol one mobile app. BUT my problem is this ... when the payment did not go through i had already used my credit card again. So when capitol one didnt receive the payment they tacked it back onto my card so now i owed them over 300 dollars on a XXXX dollar credit limit card. To my credit. The payment that was attempted was 3 weeks EARLY. I immediatly started paying the owed amount down. The entire time i had this card i NEVER missed or was late on a payment. Even after they put a hold on my card and informed me that i was fraduently using my card??? How am I a fraudulent user? I made a mistake. Never missed a payment. Never late. I called capitol one to find out what i needed to do to fix the problem. Informed them what happened. Explained it was a misunderstanding. I took responsibility for my mistake. The fraud department was very rude. Did not care what i had to say. Capitol one treated me like i was a criminal. Took no responsibility. Even though they are not supposed to credit my account until the payment has cleared my bank account. I payed off the rest of the balance over 4 months to show i could make my payments on time ect hoping capitol one would see reason. They closed my card as soon as i payed my last payment. The real bad part is no other secured cards will even touch me now. I feel as though capitol one has black balled me in the credit card world for no reason. They refuse to see reason. If i was trying to commit fraud i deffinitly would not have paid you back. Made my payments on time. Look at the proof sitting right in front of you. My payment history. The payment you say is fraud was being made 3 WEEKS EARLY.
Consumer complaint received 2018-11-21
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: CITIBANK, N.A. (MN)

I have spoken with Best Buy Credit Card department several times regarding unauthorized charges on my account. I disputed it and send them back the sign documents and the charges have now been put back on the account with late fees and interest fees. Also the $ 800+ interest charge I was hit by because of this unauthorized has still not been removed. Best Buy is unlawfully charging me interest charge and fees as well for no reason.