davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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. (NV)

I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (WV)

DEBT WAS SETTLED BY ARS ON XX/XX/XXXX. 
REC 'D A LETTER CONFIRMING THIS. 
XXXX  STILL IS REPORTING THIS AS AN ACTIVE, OPEN DEBT. 
REQUESTING INV BY XXXX  - ON XX/XX/XXXX - THEY CONCLUDED IT WAS A VALID, ACTIVE DEBT!!! 

SPOKE W/ ARS XXXX XX/XX/XXXX - THEY SAID TO CONTACT XXXX  XXXX WHICH I CAN NOT - AS IT'S STILL WITHIN THE XXXX LIMIT - THEY PUT ME THROUGH TO SUPERVISOR VM - THIS TRADE LINE SHOULD BE DELETED PER ARS FROM ALL CREDIT REPORTS.
Consumer complaint received 2020-02-12
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)

original creditor was XXXX XXXX  and that is what is on my XXXX credit report but on my equifax XXXX XXXX XXXX purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted equifax twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this
Consumer complaint received 2020-01-22
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. (FL)

HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH XXXX  I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.
Consumer complaint received 2020-02-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
EQUIFAX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX- DISMISSED
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

midland credit management keep attempting to collect this debt of {$490.00} that they received from XXXX  XXXX XXXX, I did not open the original account, it is not mine. i have disputed this information on my credit report with XXXX and XXXX XX/XX/XXXX at that time it was not on my XXXX report. This item was removed from both credit reporting agencies in XX/XX/XXXX as not valid. because it was removed from XXXX and XXXX. Midland credit placed this debt on my XXXX credit report. i do not owe this debt and i would like for Midland to leave me alone regarding this debt.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (OH)

Regarding Acct. # XXXX My ex-husband and I have been dealing with US Bank for over 15 years managing and paying an Equiline account on time each month. Once we received our divorce in XXXX the bank would not divide the loan in half because he retired in XXXX and I was still working so our attorneys told us both to pay one half the bill each month. The account has matured and we are no longer able to draw funds on it and the bill has gone from approximately {$600.00} to {$1300.00} per month. 

We are both unable to make this {$680.00} payment each month and the bank has encouraged us to refinance. For some strange reason we were not able to refinance with a conventional loan so they suggested we go through Loss Mitigation. We have sent in application packets with requested documents from XXXX through XX/XX/XXXX but they refuse to approve this loan. To make things worse, they have assigned a different Relationship Manager ( RM ) every month or so causing more confusion. 

We have had XXXX, XXXX, XXXX, XXXX and now XXXX. They rarely answer the telephone when you call and when they do they won't give any concrete answers about the application status and they have never told me exactly what documents they did receive from us. They continue to ask for more and more documents from us starting from scratch. During one phone call XXXX thought my house was attached to this Equiline account when actually it is the house that my ex-husband lives in. I know I have sent in the documents requested because I have scanned them and sent them from the Public Library and it provided a scanned copy for my file. Another time I sent them from one of the local US Bank branches. I asked the RM there to look over the packet to make sure I had everything included but she would not do it ; she said she was not allowed to do so. However ; a week prior, I was there and she encouraged me to come back anytime I need their help. 

US Bank has exemplified poor customer service, discriminatory loan practices, unprofessional and unethical business etiquette in the 21st  Century. I am appalled and there is no excuse for it. I have also experienced several other issues with US Bank regarding other account I have with them. I do not want to get into those issues right now. I want them to be accountable for this unacceptable behavior. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have been given conflicting information each time I contact FedLoan. I am a school teacher that has worked in a Title I school for over five consecutive years. I have payed over eight years on my loans and was due to have the rest forgiven within the next two. As a reward for my service, I was granted {$5000.00} in forgiveness ; however, I wasn't told that in doing so I would have to pay another ten years on the loan? That doesn't even mathematically make any sense. Once I discovered this and attempted to rectify, I requested that they add the {$5000.00} back on and allow me to pay off the remaining two years that I agreed to. They offered no resolution. There is no single person assigned to each case and there is no office to go into and speak with someone. Every time I call I get different and conflicting information and no one will assist me in clarification or a resolution. 

The last time I wrote to them and called, they said that I signed a contract ; however, the legal jargon they use is incredibly confusing. I didnt understand the contract ; the people on the phone refuse to explain anything and when they do, its usually wrong. It doesnt even make sense that that option even exists. How are my payments for the last 5 years negated?? It seems now that its simply a way to trap people that dont have law degrees. 

I'm a public servant that is supposed to have the support of the government and instead, I'm being financially abused. I'm in charge of educating our youth and am being punished for furthering myself to be the best teacher I can be. It's not right.
Consumer complaint received 2020-02-12
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: Ad Astra Recovery Services Inc (NV)

I received a letter from Ad Astra Recovery Services about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OH)

Since the year of XXXX my identity have been stolen, my information has been in Equifax data breach. I am a verified identity theft victim. There are red flags on my credit, preventing me from furthering my credit getting approved for loans getting approved for grants I have been financially impacted, this is ruining my life. There is incorrect information and fraudulent information on my credit report. Please remove these items from my credit report.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MO)

Hi, in XX/XX/XXXX did a debt consolidation with XXXX XXXX XXXX and had called US Bank to obtain balance to pay card off. Was told {$XXXX}. And thought I paid off US Bank CreditCard. At that time I noticed they charged interest after I paid it off and a representative waived the {XXXX} interest fee. 
Two purchases went thru after it was paid off ; one of the purchases was reversed from merchant ( 1 month later ) the other was my auto insurance. I paid the auto insurance with even a few dollars extra. 
Called them 1-2 months later to close the card because i wanted a card with a zero interest rate and rewards for daily purchases. Then in XX/XX/XXXX I received an email stating i had a payment past due on US Banks card and discovered they had been adding interest and late fees on apparently a mini balance that remained. 
I phoned to get to the bottom of it, the phone rep couldnt tell me what balance was after the pay off and so requested late fees all be removed and I pay whatever it was.was told a manager would review. They then removed one late fee. I called in XX/XX/XXXX to pay it in full and now theyre still trying to extort extra. Please help.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I was contacted by AmriFinancial Solutions LLC, regarding a medical debt in collections. 

Please be advise I requested a validation of the debt from the collection agency, and I received a response that clearly violates my HIPAA rights, as they did NOT provide me a HIPAA release that releases my daughter 's ( a minor ) medical information to them. By providing such information, they are in VIOLATION of my and my daughter 's HIPAA rights.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX XXXX, and Experian hurt my business by dropping my credit score by 80 points by a single " collections debt by XXXX XXXX unpaid final bill that was about THREE years old very old old bill just sent to collections. 

Dropping me 80 point, is totally TOTALLY UNFAIR. 

I had a XXXX credit score i worked hard on for over a year paying down my debt and getting my credit score up. Experian credit bureau on one Collection debt three yeaas old and now reported dropped me 80 points to XXXX I am demmaning it to go back where it was, i paid that collection right away and it still shows with a XXXX.
Consumer complaint received 2020-02-12
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. (IL)

Dear CFPB, I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no changes to my credit file. I sent a request a letter of Verification Method for EQUIFAX and they responded that they got there verified information from a 3rd party, XXXX XXXX. There use of a 3rd party agency instead of the Federal court shows the negligence in reporting verified accurate information. 

Furthermore, I contacted XXXX  Illinois District that Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. I believe they did not do there due diligence in verify the information regarding what is being reported by there credit agency. 

Finally, on XX/XX/XXXX, I initiated another complaint of inaccurate data being reported on an alleged Chapter XXXX Bankruptcy on my Equifax Credit File and I did not get a response with the 30 day time period. Equifax finally responded on XX/XX/XXXX and stated the same that the information was verified per XXXX XXXX. 

I am requesting you enforce my rights and have EQUIFAX delete the Bankruptcy from my credit file due to inaccurate information and there failure to verify the reported data. This is nearly 2 years of Equifax being evasive and unfair in working with me to rectify the inaccurate data on my credit file by demanding a Deletion of the Chapter XXXX Bankrutpcy, fin addition there are no other accounts associate with the said bankruptcy.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (FL)

I recently applied for two US bank accounts one secured and the other unsecured. I was asked to verify my information and I even called from the number on my fraud report. The Fraud department asked for documentation of Front and back of drivers license front and back and Social Security card and a bank statement confirming my address. I complied and faxed the information to the proper department only to find out that my application was declined because they were not able to verify my identity. I find it really peculiar that as a XXXX  individual I was denied and discriminated against. I provided the information only to be told that they decided to decline it. I sent all information requested and even called from the number on my XXXX credit report ( that was The report they used ).
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Around XX/XX/2019 I started a refinance process with Quicken loans, after going over several loan options we mutually agreed that the company did not have any loan options that made since. However, I was told that I would be released from the loan and as of to date they will not release me from loan so that I continue my search to refinance or will they release my appraisal that I paid for to another company
Consumer complaint received 2020-01-21
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: LEXISNEXIS (TX)

On XX/XX/2019 I received the results of my LexisNexis results of my dispute case number XXXX. They deleted a Bankruptcy from my file. I asked that they send their results to all companies which subscribed to their service such as XXXX, XXXX and XXXX. These companies are still saying LexisNexis is verifying a Bankruptcy on my file.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We were set to purchase to sell our old home and purchase our new home on XX/XX/XXXX of last year with a loan from Wells Fargo. The bank had concluded that we had sufficient funds to close on the sale of our home, sufficient income to make our regularly monthly mortgage payments, and had repeated assurances that all of the documentation we had provided was sufficient for closing. 
We hired movers to help us move out of our home XX/XX/XXXX, and they would help us move into our new home XX/XX/XXXX. 
XX/XX/XXXX, as the movers finished clearing out the last pieces of furniture from our old home, we were notified by the bank that we did not have sufficient liquid assets in our accounts to be able to close. This money had nothing to do with funds used for closing. There simply had to be a minimum balance in our account to meet an undisclosed requirement from the bank. We now had less than 24 hours to find {$30000.00} to make up the difference. 
We managed to find it through a rapid liquidation of $ XXXX funds, but it took 48 hours, as banks have rules about moving around such large sums of money. We also could not delay the closing on our original home, lest that deal would fall through, because the buyers of our old home could not change the date of their closing.

We had already planned to spend two nights in a hotel, but that had to be extended for longer because of the bank 's last minute disclosure about additional assets needed. 
We moved the closing by 24 hours, per suggestion from the bank, but they did not meet the commitment to close after 24 hours had passed. They refused to give any timing updates, despite repeated requests through phone and email by both ourselves and the closing attorney. The underwriter did not even start reviewing the loan until after we had committed to close on the sale, which required the recording the closing to be pushed out another day. 
In the end, we managed to close on the home, and did not end up homeless, but it cost us a great deal of wire transfer fees, an additional night in a hotel, and a great deal of anxiety and throwing up over the stress. 
The bank opened an internal investigation and concluded they did nothing wrong. They stated they made an assumption by our original proposed sale price, but never revisited that, even after we notified them of what the sale price would be, which is where the discrepancy came. They also stated that we provided all documentation that was requested of us in a timely manner. 
So, if they did nothing wrong, and we did nothing wrong, what happened that everything went wrong? 
Worst of all, no one from the bank ever apologized. Not even once. 
I followed up with the person responsible for the internal investigation, but they never returned my phone call.
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (AL)

To whom this my concern, I had 2 fraudulent accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted and now they have reappear back on my credit report. 

XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX