davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (TX)

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX   : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX   reported as Negative - not mine XXXXXXXX XXXX  XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet XXXX   refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from XXXX  provided that my complaints have been investigated! 

XXXX XXXXXXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative - not mine XXXX XXXXXXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine Equifax : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

Equifax reports two bankruptcies that are inaccurate or erroneously documented CapitalOne account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Consumer complaint received 2018-09-21
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: FORD MOTOR CREDIT CO. (NJ)

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted Ford Motor Credit ( FMC ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with FMC I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (IL)

Originally contacted XXXXXXXX XXXX XXXX because they sent an account to Source Receivables stating that I owe {$440.00}. After speaking with XXXX XXXX  XXXX they stated the balance is only {$91.00} and since it is in collections I have to pay the remaining balance with the collection agency ( Source Receivables ). I  called Source Receivables and spoke with a manager by the name of XXXX whom asked me to email her bank statements and documentation from XXXX XXXX XXXX showing the payments that were made. The payments were made before the received the account. I also paid the {$91.00} ( confirmation # XXXX ). I emailed those documents and XXXX called me back stating that the account is indeed {$0.00} and she will send me documentation in a few minutes stating that the account balance is {$0.00}. I never received that email stating the account is paid in full w/ a balance of {$0.00} so I called twice on XX/XX/XXXX. The first time I called they stated that the account is {$0.00} and I should receive the email before XXXX. I have not received the email again so I called back the second time and they are stating that the account need to be {$0.00} in order to receive the email. I requested to speak to XXXX and they stated she is not available so I requested to speak to another manager. The rep. advised me that the the owner XXXX stated that " he will not take the call because the balance is owed '' and the rep then proceeded to disconnect the call. After calling back I was told " They are unaware of who the manager XXXX is and there is no one available to speak to me ''.
Consumer complaint received 2018-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Hello, My name is XXXX XXXX XXXX XXXX XXXX and I am facing an issue with Bank of America since XX/XX/2018. 
A friend of mine ( XXXX XXXX XXXX XXXX ) owed me {$520.00} and he planned to send the funds through his XXXX account ( via mobile XXXX app ) back on XX/XX/2018. 
I received a text message from Bank of America on XX/XX/2018 at XXXX XXXX EST saying that the {$520.00} will be credited soon to my account.with the confirmation # XXXX ( screen shot attached ) Since then I have not received even a single penny with respect to this transaction. when i spoke with the Bank of America aka BOFA they said that the ball is not in their court and advised me to go to the chase bank. similarly, when I went to the XXXX XXXX   they recommended me to go to BOFA. 
I suspect that it is on BOFA and they were not able to locate my funds. BOFA told me that as he ( my friend ) sent it through XXXX using my phone number that I should register with XXXX using my phone number. Surprisingly when I tried to register with XXXX through the phone number it says that " I have already been registered using Phone number ''. ( Image attached ) As per the banking rule, the funds go back to the sender after 2 weeks if the transaction is not successful. In my case, the sender have not got back his funds either. ( attached Sender 's bank statements that there has been a deduction of {$520.00} and sender has not received the money back which means the transaction did go through. ) Also i have attached my BOFA statements to depict that I did not get my money.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

Dear Sir, I have paid off my complete balance amount and closed the individual citi bank credit card on XX/XX/18. Again, citi bank came up with foreign transaction fee and statement generated on XX/XX/2018. As per the statement, I have paid foreign transaction fee on XX/XX/2018.  But, Citi bank has tendency of destroying transactions and stopped generating statement for the amount paid on XX/XX/2018. I have been waiting for the XX/XX/XXXX statement and transactions taken place on XX/XX/2018. I checked online account and also USPS mail, there are no transactions displayed in my account between XX/XX/XXXX and XX/XX/2018, also no statement generated between XX/XX/XXXX and XX/XX/2018, complete my transaction details missing. I called up CIti bank customer care and their response is not appropriate and unsatisfactory. I am not sure, why Citi Bank causing troubles to customer and every last statement and transactions missing in my individual closed credit card. For any kind of fraud and tampering my individual credit cards, citi bank holds the legal accountability and responsibility. Could you kindly direct Citi Bank to update my XX/XX/XXXX Statement'XX/XX/2018 and transaction online for individual credit card, send me on copy of XX/XX/2018 statement over the postal service and also attach the XX/XX/2018 statement to Consumer finance protection bureau complaint 's response.
Consumer complaint received 2018-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (CA)

ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged debt.
Consumer complaint received 2018-07-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Auto Credit (CA)

premier auto credit has continued to report incorrectly on my credit for almost 6 months now. The mail i have sent to them regarding my alleged debt has been returned multiple times. This means the address listed on my credit report is incorrect and HAS to be deleted by law. I have tried to contact XXXX and XXXX regarding this matter and they haven't responded either. I have proof and the undelivered letter that i received back when i sent a letter to the address reported on my credit report
Consumer complaint received 2018-07-04
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. (PA)

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Consumer complaint received 2018-07-04
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. (PA)

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2018, I called Transunion because i noticed unauthorized Hard inquires on my credit report ( XXXX and XXXX  XXXX XXXX XXXX, i was transferred to a Supervisor by the name of XXXX. 

I told XXXX i noticed there were 2 hard inquires i did not recognize on my credit report and i would like to dispute those unauthorized hard inquires and removed under the FCRA XXXX told me that hard inquires cant be disputed with Transunion and it was TransUnions policy not to dispute Hard inquires. 

After many attempts during the phone call asking XXXX to dispute those hard inquires he refused and told me to contact both creditors.
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (PA)

American Express attempted to call me on XX/XX/2018 and again on XX/XX/2018. The first call was missed. The second call on XXXX I answered. The reason for the call was because a payment was past due by 6 days. If this happens again, this account will be turned over to a debt consolidation company where no immediate contact with the cardholder will be permitted. I would advise that people listen to the telephone conversation which was illegally recorded. American Express claims that I'm not willing to work with them. What American Express doesn't understand is that I'm more than willing to work with them, but when certain representatives don't act in a professional manner, I'm not willing to work with those individuals. American Express should not assume that anyone is going to work with people who aren't fit to be in customer service. If American Express isn't willing to resolve this issue by getting respectful people who are respectful to people on the phone, then American Express is the reason why people make it difficult to be contacted.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ORG GC GP BUYER, LLC (FL)

I have had a problem with XXXX and ended up filing a complaint with the Florida State Attorney General. Case # XXXX XX/XX/XXXX. 

The issues I have had with XXXX have been horrendous. 

I have tried to settle this issue with XXXX since then. 

On XX/XX/XXXX I again tried to settle this with XXXX to no avail. They denied my payment. After a long back and forth e mail with XXXX ( which I can provide ) in which I advised XXXX they did not have any permission to charge anything to any credit card they might have on file because I was disputing the fees and charges, they attempted to charge my XXXX XXXX. Which thankfully XXXX XXXX denied, closed my account, and sent me a new card and account number. XXXX tried to charge my card on XX/XX/XXXX, after I advised them not to do so! 

Any attempt to deal with XXXX has met with negative results. It took my over 3 months to get a bill from them to even to begin to dispute the charges. 

Now I get an alert that this company, GC Services, has placed a collection account on my credit reports. I do not know where they came from. I have never heard from them or about them. ( I have had the same number for 10 Years ). Not once have I been contacted by them in any way, either U.S mail, e-mail or via cell phone.

I do not know how they can randomly ruin my credit without me even knowing who or what they are. 

I feel I have been violated and I want to pursue any and all legal actions against XXXX as well as XXXX XXXX to the fullest extent of the law. 

I understand I will need to contact an attorney, and I will do so as soon as possible. 

I feel GC Services needs to remove these items immediately as they are incorrect.

GC Services is not known to me I have never been contacted by them or what they are and they should not have the power to ruin my financial livelihood.

Thank you for your attention to this matter.
Consumer complaint received 2018-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (FL)

On XX/XX/2018 I received letter about a debt that Halsted Financial Services claimed I owed. On XX/XX/2018 I called them and asked if they could show me proof and validate the debt. They said they could email it. I gave them my email address and they sent me the same letter that they sent via USPS assuming I would believe that's proof. I said that I need something from the original collector which is a hospital in this case. They then cut me off and tried to change the subject asking how I was going to pay. They transferred me multiple times before putting me on hold and hanging up on me after about 20 mins of hold time. I call back and get transferred to a supervisor. I ask them how they can legally collect a debt they have no documentation on and eventually she hangs up on me as well. After these conversations I received 3 back to back calls from numbers in various cities in Florida where I live, 2 within a minute at XXXX and another at XXXX. I have been getting these calls for days and have ignored them because they are unknown numbers. Since I got 3 I decided to call one back inly to find it was XXXX XXXX all along. So not only are they calling me every day sometimes at odd hours, they are also calling back to back to be rude. All I asked for was proof that this debt is real. I have heard many things about these companies trying to collect debts that are not real. All I want is proof. Attached are phone records of the 3 back to back calls and the email they sent which supposedly " is validation of debt '' that has no documentation of original debt.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (IN)

I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. 
I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. 
The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. 
This company has no proof that this account belongs to me and I have no knowledge of this account or this company
Consumer complaint received 2018-03-19
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: WELLS FARGO & COMPANY (CA)

I've disputed several accounts with XXXX  and even provided police report and ID Theft affidavit to help resolve the issue and XXXX  has refused to address the matter. They have failed to verify to accounts 100 percent and have only relied on an automated process. The following accounts are a result of ID Theft : 1. XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3 .WF XXXX Account # XXXX
Consumer complaint received 2018-03-19
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. (IL)

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3. XXXX/XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Consumer complaint received 2018-03-19
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 have disputed inaccurate information multiple times with XXXX, Equifax XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
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. (MI)

I have disputed inaccurate information multiple times with Transunion, XXXX XXXX and XXXX XXXX XXXX. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX