davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
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. (MA)

I purchased a trip with XXXX XXXX on XX/XX/XXXX for {$3500.00}. Due to weather conditions, the trip was cancelled. I submitted a dispute to the credit card company onXX/XX/XXXX At that point the credit card company issued me a conditional credit for the dispute. On XX/XX/XXXX, I received an email from XXXX XXXX, the vendor, saying that they were going to refund my money. On that same day, I cancelled the dispute request. On XX/XX/XXXX the credit card company said the dispute was resolved in my favor. For a short time, I had a double credit on my credit card due to the conditional credit as well as the refund from the vendor. However, the conditional credit was removed, under transaction number XXXX. The remaining credit for {$3500.00} was from the vendor, transaction number XXXX. I have called the credit card company at least 5 times to try to get a refund check instead of having a credit on my credit card. Each time I have called, I have spoken to a different agent. After the initial call, I was sent a letter saying that they couldn't issue the refund as it was the result of a conditional credit. I called them on XX/XX/XXXX and spoke Id # XXXX who agreed with my that the credit was not due to the conditional credit and said that I would have a refund direct deposited into my checking account. I called back on XXXX and spoke to XXXX ( an account manager ) who guaranteed that the. money would be in my account byXX/XX/XXXX. In the meantime, I was awarded a refund of {$15.00} which happens to be the same 4 digits as the proper amount to be refunded. on XX/XX/XXXX when the proper refund amount did not appear in my account, I spoke to another agent, XXXX who told me that she would make sure that the refund was processed. She also said that the XXXX was an agent mistake. She told me that I could expect a refund in 5-7 business days. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX saying that they couldn't process the refund as it appears the credit balance was the result of a conditional credit dispute. I called the company on XX/XX/XXXXand spoke the first of 2 agents ( ID XXXX ) who also promised me to have it processed. Then I received a call back from a supervisor, ( ID # XXXX ) who has now told me that they have to investigate first. This is the first I have heard of an investigation and all previous agents have told me that they would process the refund. As seen in attached documentation, for a short time, there was the double credit of over {$7000.00}. However as stated above the conditional credit was removed and I am only left with a credit of {$3500.00} from the vendor. I would like my refund!
Consumer complaint received 2019-05-16
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. (FL)

A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY  COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-12-20
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mortgage company Freedom Mortgage will not send my escrow refund check of XXXX. I contacted them in XXXX to see when I would be getting the surplus escrow I paid. The lady informed me any surplus would automatically be sent to me in the form of a check. A month later XX/XX/XXXX I called again checking on the status of my refund. The lady apologized for the misunderstanding and assured me the check would be mailed the next day. It's now XXXX and I still haven't recieved my refund ... so I call the company back and they state it was mailed on XX/XX/XXXX. I'm not sure how that's 2x in a row my check was mailed and not received. It's also frustrating the lady I talked to in XXXX said it would be sent the next day. Today XX/XX/XXXX I asked if the company could just XXXX  XXXX me a new check. After being on the phone for 20 min she said that's not possible. I don't know where to turn or why I have to chase my escrow refund
Consumer complaint received 2019-05-16
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (IL)

I have been trying to get this company to report each month to the credit agency 's our monthly payments and correct balance for almost a year now. I have been monitoring my husband and I credit report every month and to no avail American Credit Acceptance will not report every month like they should. Which is causing every month for my debt to income with my car loan not to decrease every month. I received my credit report from XXXX  today and the last time this company reported was XX/XX/19. Today is XX/XX/19, and they have not reported my XXXX payment. I was told three months ago when I spoke with a rep that they knew of the problem and would fix it, but the problem still exist on my husbands and I credit reports. My husband and I could not be the only consumers having this problem. I pay them every month, they need to report to the credit agency 's every month. If they didn't get their payment I bet they would report.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts XXXX XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (VA)

The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by XXXX XXXX, XXXX concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by XXXX that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from XXXX when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX pm XXXX. XXXX XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX XXXX pm On XX/XX/XXXX, i called XXXX about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.
Consumer complaint received 2019-05-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

A student loan with Chase bank, they sold there accounts to XXXX - which now holds my account. This happened back in 2013. Though I have made numerous attempts to contact them, they do not respond and they tell me know one works in that department any more so there is no one to contact. Because of this, instead of saying sold on my credit report it shows that I am very behind on payments and it is hurting my credit. I have called them and mailed letter, and no response.
Consumer complaint received 2020-12-20
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

I have been trying to get this off of my credit since it first appeared on there because the debt is not valid. I had/have medical insurance that covers me 100 % and the doctor who reported this to collections never billed my insurance company to pay the bill because I don't know why. My insurance company contacted the debt collector to inform them of what happened and why that debt is not my responsibility and verified that I had active insurance at the time of service and still currently do. The collection company said that they were going to handle it and it would be removed from my credit within 30 days but that has yet to be done and it is affecting my credit score by 70 points. Which is now affecting me being able to get a car loan.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I took care of all debt by signing off with a debt consolidation place in XXXX, XXXX I signed a paper given up my rights of responsibility to contact creditors. There is two accounts for XXXX XXXX on my credit report.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i sent transunion a letter regarding the negative items reporting on my credit report on XX/XX/2019 via certified mail and haven't heard anything back from them.i am asking the m to verify the items or delete it from my credit report within 30 days required by law
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (SC)

I was reviewing my consumer reports for accuracy and recognized multiple errors. I am due for compensation in accordance with 15 USC 1692k. I closed my account around XX/XX/XXXX due to learning that Self Financial and XXXXXXXX XXXX  deprived me of my consumer rights.The purpose and importance of the TILA is to protect consumers against inaccurate and unfair billing and credit card practices.I am writing because I made an uninformed decision when I payed {$200.00} to open a credit card. At the time I did not know credit is a right given to me by GOD. 15 USC 1605 clearly states that the finance charge is the sum of all charges and not include cash. Self violated the Truth In Lending Act by imposing I exchange my time to build credit that was alreadya right given to me.My XXXXXXXX shows an open date of XX/XX/XXXX but my XXXX report shows XX/XX/XXXX. My XXXX account status shows as charged off, but my XXXX report shows my account status as paid. Both reports contain multiple errors including late payments. If the information were accurate all information on any report would be an exact match. It is not. Self or XXXX also failed respect my privacy and breached their fiduciary duty by not providing an explanation as to how to opt out of reporting. This is not acting in my best interest or in good faith. 
In addition to that, Self Financial continues to harassme via email every month. Self continues to attempt to collect debts not owed. Self continues to report false information to my consumer report causing my reputation, credit report, and credit score to be damaged in more ways than one. The account has been closed since XX/XX/XXXX. Why is Self demanding I pay late payments for every month of XXXX? As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Self Financial is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K
Consumer complaint received 2022-10-25
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-16
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. (OH)

I submitted a letter to Equifax asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Equifax still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, TRANSUNION. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2019-05-16
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. (NC)

Disputed The Company XXXX on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX/XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!