davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Items and remarks were removed from my credit report 1 week ago. No notification was sent. No updated credit report was mailed. The information reappeared on my report with no notification. I have contacted the company and they confirmed that the information was indeed no longer on the report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Equifax. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MD)

I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!
Consumer complaint received 2017-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (CA)

I currently have an open loan with Mobiloans an online lender, I received a loan from this lender for XXXX $ on XX/XX/XXXX and have been making biweekly payments XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX, XXXX $ XX/XX/XXXX which has been ACH debited from my account, I have paid XXXX $ to date XX/XX/XXXX, this loan is illegal in my state of CA and I want to pay what is owed on principal XXXX $ and the debt considered paid in full and have this account closed.I sent them a written notice making them aware of this and they have refused.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-09-25
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. (CA)

EXPERIAN has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Consumer complaint received 2017-09-25
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. (CA)

Citibank sent XXXX checks for {$29000.00} to another party without my authorization and added these charges to my account. XXXX of the accounts they added this balance to was a closed account with a zero balance. This is fraud beyond belief.
Consumer complaint received 2017-09-25
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. (MD)

I have contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, experian and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on transunion, XXXX and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Simon's Agency, Inc. (MD)

I received a letter from XXXX XXXX XXXX whilst I was in process of working with XXXX XXXX XXXX on a work related injury medical case. It was beyond me as the facility sent the bill to collection instead of waiting for me to get things settled. I can not do anything beyond XXXX. I can understand the impatient agency reported me to the credit bureau which I dislike. I called and paid off the amount with the understanding that they remove from my credit. They refused to remove from my credit. 
The other credit agency I spoke too confirmed that the law bar agencies from collecting debt out of state. This means they have to send back to the issuer who will have to work out with me again before finally sending it to another agency in where I am. This law is fair however I have paid the said agency they refused to remove from my credit despite breaching the law baring them from contacting me out of state. I issued an official letter stating to them they erred and gave them 1 month grace period starting XXXX XXXX, XXXX to fix it. They NEVER responded. I am therefore using this medium to get them do the right thing by removing from my credit.
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION (MO)

What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX 
I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. 

The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. 

What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. 

The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. 

The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. 

My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. 

I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. 

In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX 

XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX contacted my wife about a debt I owe. During this contact, they discussed specific details of my debt with my wife. It is my understanding that this communication is a direct violation of the FDCPA. 
" 15 USC 1692c 805. Communication in connection with debt collection ( b ) Communication with third parties '' Simple research on the internet will show that this company has a history of violating the FDCPA, including multiple class actions.
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (CA)

I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My adjustable rate mortgage increased and I have no problem making the payments, as my FICO score is greater than 803 and I have plenty of money. 
My problem is twofold : 1 ) the statement I received is misleading ; and 2 ) the " customer services '' practices of this company is deceivingly a sales gimmick. 
Ditech maneuvers to first sell re-finance packages immediately AND before it transfers me to the customer service center to discuss why it held in suspense over {$1200.00} I timely paid toward my mortgage, while simultaneously claiming I owed twice the monthly payment by XX/XX/XXXX, else I would AGAIN be charged a late fee of {$63.00}. 
Ditech immediately answers their phone ( which is the only number posted on their statement ) to sell refinancing and homeowner 's insurance. Only after they 've pushed their refinancing sales on customers are we then transferred to " customer service '' and then we have to " press 1 '' to not have to go through this process again, but to instead have the privilege of holding on the line to discuss the issue regarding which we called. Having pressed " 1 '' so as not to have my call dropped, I held for over 10 minutes to wait for " customer service '' to attend to the issue. The issue was resolved by me paying the late fee of {$63.00} and the increased adjustable payment of {$67.00} ( to add to the {$1200.00} which was " funds in suspense '' ). 
The statement is misleading. It claims I owed {$2600.00} by XX/XX/XXXX, which does not give me credit for the {$1200.00} I already paid and which they acknowledge receiving ( yet held the funds in suspense ). The statement SHOULD have said I owe {$130.00} ( {$63.00} in late fees and $ {$67.00} representing the balance due on the increased adjustable payment to make my {$1200.00} payment whole. ) Once I worked this confusing billing statement out, I wondered what happens to the elderly and " little guys '' who do n't have the time or resources to navigate through Ditech 's sales tactics, holding the line ( have to press 1 not to have the call dropped ) and persevering to get the correct balance due amount articulated so the money Ditech already received is applied to my payment? 
While I was thinking this out loud on the phone with the " customer service '' person, she had the audacity to ask me if I 'd like to buy homeowner 's insurance -- clearly a " canned pitch '' she was required to ask as part of her concluding the call. 
I know there are worse companies out there than Ditech, but these processes and practices that Ditech now has in place are predatory and justify the existence of the CFPA, assuming the CFPA is cost effective in regulating this kind of behavior.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX approximately XXXX XXXX sent email about the problem to XXXX XXXX XXXX XXXX credit card. I called at XXXX XXXX XX/XX/XXXX about the problem as well. I explained that according to the balances on my promotions which are no interest if paid in full by a specific date, the balances are exactly the same each month and I pay XXXX a month which is just a few dollars more than the monthly payment. I explained to the customer service agent that the balances were not changing by even a XXXX from one month to the next. Customer service agent said that payments would be applied and a certain amount would be on each balance. I explained the balances were exactly the same each month as though no payments were being made. Customer service agent still holds that the payment is applied to each different balance and in order to pay it so that deferred interest isnt charged for an amount that would run out on XX/XX/XXXX XXXX. Looking at statement on all promotional balances, XX/XX/XXXX statement, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX statement, XXXX, XXXX XXXX, XXXX There were no changes from month to month. With a payment of XXXX a month even if other money is being paid, how is there not one XXXX going toward these balances. Its like they intentionally apply no money to these balances so that the deferred interest of 28.5 percent will be added to your balance when the date of XX/XX/XXXX is reached. How is this any klind of promotion. I understand paying the balance to avoid interest but this makes it a situation where no matter how things are done the consumer has to pay the entire balance of what was borrowed to avoid the interest payments. So if I borrowed on the original balance XXXX regardless of XXXX a month payment every month, I would have to make an XXXX payment that I specifically tell them to apply on this purchase. XXXX was original amount borrowed, At the least this is deceptive, at the most its intentionally making sure the balance always reaches the promotion date so they can add the deferred interest.