davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have filed XXXX disputes against a debt collector ( XXXX XXXX ) reporting a debt owed to my Equifax credit report. Prior to these disputes, I filed disputes with XXXX and XXXX against the same debt collector. The nature of my disputes was that this debt collector never validated the debt by taking the effort to make me aware of an outstanding balance or any debt owed. Upon submitting the disputes with both XXXX and Equifax ; the debt collector ( XXXX XXXX ) could not provide any documentation showing that I had been made aware of a debt owed prior to the reporting of said debt on my credit reports. Following this response, both XXXX and Equifax removed the debt from my credit reports. I filed the same dispute with Equifax against the same debt collector ( XXXX XXXX ) and once again, the debt collector did not provide any documentation proving that they had made an effort to contact me prior to reporting the debt. However, following this response, an Equifax supervisor ( XXXX, employee ID XXXX ) told me that " because there was a response from the debt collector, they can not remove this account from my credit report. '' The employee continued, stating, " Our retention policy requires us to continue to report a debt for up to 7 years '' I then informed her of current FCRA laws regarding the reporting of debt from a debt collection agency and she reiterated her former response. I then proceeded to file an additional complaint of the same nature against the same debt collector, in which the same response followed by the same explanation was given. After calling Equifax, explaining to them that the other XXXX CRAs have removed the reporting of this debt, another employee ( XXXX, employee ID XXXX ) advised me to contact the debt collector directly, stating that Equifax does not oversee the removal of a misreported ddebt but rather they just inform the debt collector of a dispute against them. The employee further explained that when a dispute is opened through Equifax, Equifax forwards the dispute to the appropriate debt collector and the collection agency is responsible for conducting an investigation. This is very different from my understanding in not only the role that a CRA plays in the handling of disputes and removal of debt reporting but also the dispute process itself. I would like to file a complaint against Equifax for mishandling of a dispute against a debt collection agency. According to the current FCRA laws regarding the reporting of debt, the consumer must be made aware of an outstanding debt prior to the reporting of said debt on any credit report. Further, failure to report such a debt in compliance with FCRA laws and regulations subjects debt collection agencies to certain reprocutions ( including the loss of validity regarding a collection account ). Equifax did not abide by the FCRA laws nor did they assume their role as a CRA in the dispute process.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

Facts : - My credit report shows a 60 day late payment on a student loan that was incorrectly filed as active ( not deferred ), when in fact the actual deferred pay start date is on XX/XX/XXXX. 

- On XX/XX/XXXX. I contacted the university about this issue, and they have informed me of their reporting error and contacted their partner lending agency. 

- From my understanding, the partner lending agency, XXXX XXXX XXXX, was contacted on XX/XX/XXXX of the reporting error. 

- On XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX XXXX, claim to have updated the correct information. 

- I contacted both the University and XXXX XXXX XXXX to inform that that my credit report has not been updated on XX/XX/XXXX ( more than 30 days after my initial contact with them ) - I also filed a dispute with Equifax. 

- On XX/XX/XXXX, I received a letter from Equifax claiming that my dispute was denied and that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. " - I contacted XXXX and they informed me that they have updated my account on XX/XX/XXXX for the second time to the CRA. 

- Both the lending group and the university are currently not offering any solution beyond asking me to wait for the correct information to reflect on my credit report.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.
Consumer complaint received 2017-07-04
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. (FL)

I have requested the below-listed problems be fixed several times. The  Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, Th e most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively . See Attched  documents : There are  XXXX  more Trademarks with issues listed on each Credit report.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Le tter, Payment etc. Bach-up documents for my claim
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arcadia Holdings, LLC (PA)

I have regular appointments with the Hospital XXXX. I 've been a regular patient for 9 years for a XXXX XXXX that required the XXXX in XXXX XXXX. In XXXX XXXX, XXXX XXXX and XXXX XXXX, I had follow up appointments to check the status of the XXXX. Apparently, my insurance company denied the XXXX claim on each of these appointments. I was n't aware that these bills were not settled because I never received a bill from the hospital. Recently I was contacted by a debt collector for the balance on these XXXX claims. When I called the hospital, the claim they have mailed bills to my address to which I never responded ; however, they verified that for some reason each of those bills was returned undelivered by the post office. Immediately upon finding out about these unpaid debts, I contacted my insurance company which is in the process of resubmitting the claims in order to settle the debt. In the mean time, I 've had this debt collection company calling and sending me invoices in the mail for a bill that will be covered by my health insurance. I 've told them multiple times that my insurance company is handling the debt, but they still insist on contacting me. My wife and I have exemplary credit. In fact, I pride myself on how good my credit is and I 'm in the process of refinancing my mortgage and now I 'm afraid that I 'll have this debt collector listed on my credit report for the next 7.5 years for a debt that should have never even hit collections if the hospital had figured out how to get a bill to my house so I could contact my insurance company. They did n't even attempt to call or email me. They just sent it right to collections. Funny how the the debt collectors bill arrived in my mail box but nothing from the hospital. When I contacted to hospital, they told me they have to correct address on file so I should contact the USPS. I 've lived at this address for 5 years and all my mail comes to this address. I want for this debt collection company to stop contacting me and I 'd like for any negative entry of this debt to be removed from my credit report. I 've attached documentation showing the bill I 've been receiving from the debt collector. I 've also attached documentation for the reprocessing of XXXX of the XXXX claims showing that XXXX of the debts has been settled. I 'm still waiting for the explanation of benefits for the other XXXX once the claims are reprocessed.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX Credit XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I got my report I saw, under Adverse Accounts, " XXXX XXXX XXXX, '' collecting for XXXX XXXX XXXX XXXX in XXXX WI. I had told XXXX XXXX and then XXXX that I do not owe this money because neither I or anyone acting in my behalf ( my husband being with me ) gave my permission for the ambulance transportation and when I asked for their pertinent documents the driver provided, as " proof '' that I did, a fraudulent receipt signed only by him, which is against Medicare rules. I disputed the adverse report with TransUnion, the only credit agency who gave me a free report, and they issued a " research '' report that my compliant was frivolous without speaking with me or asking for my proof. This is contrary to the new statute saying they must get my side of a complaint about an adverse credit report. The attached papers describe the incident in detail.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a complaint against Trans Union for reporting incorrect information on my student loan. Trans Union reviewed my complaint and on XXXX XXXX, 2016 corrected the late payments on my student loan and responded to my complaint in writing. On XXXX XXXX, 2016, I discovered that the late payments were reinserted into my Trans Union report. Credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Trans Union needs to delete the late payments on my student loan immediately.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Following the Equifax data breach reported XXXX XX/XX/XXXX I froze my Equifax credit report. Recently I tried to unfreeze my credit report. Eventually after multiple attempts Equifax sent me a letter dated XXXX XX/XX/XXXX stating that the freeze was lifted permanently. XX/XX/XXXX I applied for a credit card and was told that my Equifax credit report was frozen. After multiple phone calls to Equifax XXXX XXXX, including Equifax cutting off the call once, I asked to escalate to a supervisor who asked all the same questions I had just answered 3 times already. I want to report Equifax for obstructing personal financial transactions, incompetence, and complete absence of customer service. Why is any business using Equifax for credit checking when their incompetence is legendary, as evidenced by the massive data breach they did not even discover for months? If possible I will avoid dealing with any business who uses Equifax for crediting reporting instead of one of the competent alternatives.
Consumer complaint received 2018-09-03
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I bought a XX/XX/XXXX Volkswagen Passat it was financing at credit acceptance the price was {$10000.00} it gave so much problems I believed XX/XX/XXXX I called them to repo the car and they sold the car and they want to pay the rest for {$6000.00} it 's really hurt my credit I ca n't even buy another car
Consumer complaint received 2016-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: USCB Corporation (TN)

My daughter was XXXX from XXXX XXXX but it was n't working for her. They blocked her from furthering the program because I was not financially able to make the asked payments. I told them about my circumstance more then once. They wanted to work with me on smaller payments but I just could n't afford it. My daughter couldnt use the system to study anymore so, I do n't agree to making any further payments to account she no longer was able and blocked from using. It is not fair for them tell me she would be able to excess her progress after payments. But still charge me for something she was no longer able to use.
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Western Portfolio Assets (LA)

A person called me claiming he was law enforcement telling me I owed XXXX. The guy 's name was XXXX from XXXX from XXXX ext XXXX person said I owed on an XXXX I never had. He threatened to sue me and ruin my life. He was very rude, intimidating and told me I need to give him XXXX to make it go away. I told this person I did n't have a card in years. He hung up called my job and tried to get them to garnish my wage without any information, paperwork, or phone number because he said he could do what he wanted and did n't need it. He must have pulled this scam before but my job hung up on him and that is why I am contacting you. another person at XXXX called to do the same thing a week before. Claimed to be from XXXX asset management guy named XXXX XXXX ext XXXX. I am tired of these con artists and have no clue who these people are and how they got my information but I am filing this complaint to stop this type of crime. If it can happen to me it might be happening to someone else. I am not paying people who refuse to identify themselves, have false claims, and is trying to shake me down for money I do n't have
Consumer complaint received 2015-12-23
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: EZCORP, INC. (CO)

I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (MO)

I contacted this company last year after finding their trade line on my credit report, They told me then it was invalid when I asked for verification. They said they would remove it, yet it still sits on my report and now they are calling me and harassing me about it. 

The trade line shows a date of XX/XX/XXXX for a XXXX store. I 'd like to know when and how such a debt came into being considering I 've never had a credit account with them and still buy from them all the time and they have never said anything to me about any alleged debt. 

Furthermore, I disputed this alleged debt with the credit bureaus and this company is still calling me. No verification on their part, still. 

My next move will be to pursue legal action against this company.
Consumer complaint received 2016-06-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

I was signed up for PayPal Credit without knowing it and assumed that purchases were directly charged to my credit card. Turns out that they were charged to PayPal Credit and was charged a {$35.00} late fee plus interest of {$2.00} minimum interest. I am unaware of ever signing up for PayPal Credit and assumed that some email that I received were scams since I could see that the items were paid for in my PayPal Account. I have since cancelled both my PayPal Account and PayPal Credit Account over the phone on XXXX/XXXX/2016.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (KY)

On XXXX XXXX, 2016 I received a letter from Online Collections dated XXXX XXXX, 2016 demanding payment for an outstanding utility bill owed to the City of XXXX, KY. That letter is attached. I responded that same day by fax and by Certified Mail disputing the validity of the debt AND providing a confirmation number ( XXXX ) showing that the claimed balance of {$69.00} had been paid on account XXXX. 

Despite this dispute and proof of payment, Online Collections placed this account on my XXXX credit report.I subsequently received a letter from Online Collections dated XXXX XXXX, 2016 cancelling the collection AND agreeing to remove the collection account from my credit files. The account was removed, as promised, from my Equifax credit report on XXXX XXXX, 2016. 

Then, it gets complicated. 

Despite the letter dated XXXX XXXX, 2016 cancelling the collection, and despite my timely dispute of the validity of the debt which was never answered, and despite my providing Online Collections proof the full balance due was paid to the original creditor ( City of XXXX, KY ) on XXXX XXXX, 2016 Online Collections added this collection account to my XXXX XXXX XXXX file. I have attached a copy of that credit report page, as well as documentation that this false account caused an immediate XXXX point decline in my credit score. I have since submitted a dispute to XXXX XXXX including proof of payment to City of XXXX, KY and cancellation of debt from Online Collections. I am awaiting resolution.