davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX 's XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information.
Consumer complaint received 2018-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (PA)

I think that XXXX XXXX had a security breach in there system. I have been using the same account for over two years now to pay on my daughters student loans and last week I went on to our account and was unable to log in. I contacted XXXX XXXX and they told me that I was using the incorrect username and password. I explained to them we only had the one account. They then gave me my username that I never had and I had to create a new password. Once I was able to gain access to the account I went to make a payment and all of our bank account information was gone. I contacted XXXX XXXX again and explained this to them and they told me I would need to re-enter my account info which I attempted to do but it would not allow me to do that so I called them back and they got myself and my daughter on a conference call and they told her that her account was closed due to inactivity which was under the original username and password that we have been using since we opened the account. At this point we are unable to access the account and our personal bank information is floating around somewhere in there system and now they want us to start a new account and resubmit all of our bank information again. In the mean time our loan is accumulating interest and I'm unable to make a payment. could someone PLEASE help!!!
Consumer complaint received 2018-06-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NY)

My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX.  I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
Consumer complaint received 2018-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: eMoneyUSA Holdings, LLC (TX)

On XX/XX/XXXX I was approved for an installment loan. On XX/XX/XXXX the company was sent an ACH termination letter stating that I would submit payment via mail. On XX/XX/XXXX I received a text message from XXXX stating that my account would turned over to collections if I did not provide them with a debit card. I told XXXX that I would provide them with a debit card info once I got home. This was stated after XXXX asked if I could get a prepaid debit card. I never provided the information. On Thursday I received a message stating that I needed to make a {$50.00} payment or my account would be turned over to collections. I advised that the paperwork doesn't state anything about a debit card being on file in order to prevent account from being turned over to collection ( {$50.00} wad also mentioned ). The rep kept asking fir a debit card and she also advised that my account would be sent to collections at XXXX today. I received an email staing that my account had been turned over to collections and they will be reporting a charge off to XXXX.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
My current address is XXXX XXXX XXXX, XXXX, IL XXXX pleased delete the following address they are not mine : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX my current and ONLY NUMBER IS ( XXXX ) XXXX I have never even had the following phone numbers please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2018-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On my credit report Equifax has the collection notice and the address of the person who stole my information. I filed a dispute with Equifax and they said they removed it. They did not. I called them ( a nearly impossible task! ) and since they did not see it on my information they said it was removed from my credit report. It is still there. I need to have that collection notice removed as well as her address of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX removed. I live in California, NOT Mississippi. They also list my current residence address as former, but I guess that has to be filed as a separate complaint? Thank you for your help.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and Transunion and XXXX their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2018 Your company Experian received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Closest option that I took to best describe my problem. The problem is Experian. Their was a 90 day fraud alert placed on my three credit bureaus in XX/XX/2018. I need to know if that has been lifted from Experian as the 90 days has been past. Every time I call them I can never get through to them. They either do not recognize my number or a never ending ads saying for example that I can win a trip to this place or that place. Things like that. I can never get through to them ask them if the alert has been lifted. It if has not could they tell me what I need to do to lift it.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank has again on the 7th time or so shut down my card due to false implications of fraud. I have been sent 5 different cards by Wells Fargo since moving to XXXX. Th have consistently shutdown my cards on numerous occasions, minimal on my part. Wells Fargo sent me just recently a new card and shut if off the next day. I was left stranded at a gas station for almost 2 hours recently waiting for them to clear my card so I can get gas. They also sent me two cards in XXXX  where I am and they have simply abused me since they sent me the first card to XXXX. THIS IS DISGUSTING. PLEASE HELP ME FROM THIS WELLS FARGO ABUSES
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mitchell Rubenstein & Associates, P.C. (VA)

XXXX XXXX  was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (UT)

LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Centralized Business Solutions Company (OH)

On XX/XX/2018 I had received a collection letter about medical bills that I allegedly owed to CBSC which is a collection agency. I had discovered that my personal information was in the collection such as my Social Security Number, medical diagnosis, and diagnostic codes. This clearly violates my privacy per HIPPA regulations. I did authorize the release of my protected information and contacted the XXXX, XXXX, and XXXX  to inform them that I did not give authorization to release my protected medical information. I have explained to the 3 bureaus that in order to aquire medical information about myself I have to sign a consent form allowing collection agencies access to my medical charts and billing information. I contacted the original alleged creditors who told me that they did not have any of the billing in question. CBSC had aquired my information illegally for amounts of {$300.00}, {$300.00}, {$270.00}, {$480.00}. I requested a copy of consent form for medical services as proof I received medical services but I have not received them.
Consumer complaint received 2018-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern : I original applied for a Bank of America XXXX University card sometime around 2012. I had this credit card in great standing and as time went by kept my account always up to date paying more than the required payment due and in advance. Upon having other personal credit cards when I would call in they would always ask would you like to consolidate we are running a promotion to which I always said no. Then one day thy started saying well we see here where you owe XXXX XXXX $ yada yada, and you owe this card and that card and would read off my credit card names without me telling them and apparently even had the account numbers so they could send the payments direct. Troubled by this I would say no I would think about it. This happened quite often almost on a monthly basis until one time I bit. After which although I had kept ALL my accounts in order and paid they CANCELLED every card with NO warning!! I wrote to them and received no reply so I immediately called and they said you have too many cards and debt and cut me off. But all my debts were paid on time! Credit Rating was 730-740! Now after all this time I am struggling to pay them. I have repeatedly called to request help with paying it off and they would not help. I have still contacted to make payments and make payments but {$500.00} is the payment and {$490.00} goes to the interest!!! Please help I know I am NOT the only one who was duped by this consolidation trap!!
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX  XXXX XXXX
Consumer complaint received 2018-06-22
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: Experian Information Solutions Inc. (WA)

I have disputed 4 times to the bureaus about these collection accounts that they have categorized as " OTHER LOANS '' These accounts were never loans. I've never taken out a Title IV-D loan so this is a mistake on my report. Also, the accounts were NEVER delinquent so the statute of limitations on these accounts have lapsed and the bureaus will not remove them from my reports. The bureaus are also reporting errors that I proved to be in error and they are still showing and according to FCRA should be removed from my report because the error has not been fixed for over 92 days