davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX graduate of XXXX  I borrowed {$17000.00} for XXXX degree. XXXX I entered graduate school and borrowed {$4000.00}. Totaling {$22000.00} for both. In XXXX I paying XXXX per month for both loans until XXXX. 

XXXX I called XXXX XXXX and requested lower payment because I purchased my home and could not afford student and mortgage payment. They obliged me without a problem. However, all the previous payment never reflect my account. I was told after 10 years of paying XXXX my loan would be paid in full. 

XXXX none of my payment were applied to the principle. As a young adult, I was unaware that I was starting over as if I never paid a dime. XXXX I paid religiously. Needless to say I defaulted on my loans Today Im paying XXXX for XXXX for half of my loan but the other half still remain with XXXX ; I requested my entire account be transferred so I could begin making payments .However,  XXXX has never release my loan payment to XXXX XXXX Instead, I have two accounts under one consolidation. Therefore all the reporting is inaccurate. 
Currently I am in repayment of my loan. However XXXX is still sending me threatening letters. How do end the XXXX Nightmare.
Consumer complaint received 2019-05-31
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: EQUIFAX, INC. (MA)

There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX  that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc. (LA)

On XX/XX/2019 I called Louisiana Recovery Services @ ( XXXX ) XXXX. So that I could settle what collections that I had with them. XXXX Card Purchase XX/XX/2019 Louisiana Recovery Service XXXX and cleared my account on XX/XX/2019. The company representative I spoke too said that for an additional XXXX dollar fee, they would send me a receipt and remove the debt like it had never been on my history. They sent me an email with the form attached. ( I'm attaching the form to this dispute ). I did not pay the extra XXXX dollar fee. It felt, to me like something that could fall under UDAAP, as an abusive act. The elderly and people who have sub par credit would more feel obliged to pay that amount over the debt I checked my credit-wise account once a week until XX/XX/2019 and when it still was showing owed, I called the company back.The company representative that I spoke too was adamant that it was not on my credit report. And said that the only way I could get a receipt was to pay the additional XXXX dollars using the emailed form. I told him that it may be a possible UDAAP violation, " Oh no, we offer it to everyone. '' I paid two other outstanding debts with two other companies that same day. One emailed me a receipt and the other sent me a receipt through the XXXX XXXX, with no additional charges. And those paid debts have been noted on my credit. 
This morning, XX/XX/2019 I pulled my free annual credit report and they are still there.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

As of XX/XX/XXXX I called and confirmed with XXXX XXXX regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed XXXX account ( opened on XX/XX/XXXX ) on Experian shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either Experian is not up-to-date or the creditor failed to report the right status of payment.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AC AutoPay LLC, Denver, CO Branch (FL)

During the month of XX/XX/2017 on the way back from my monthly XXXX XXXX drill my motorcycle was stolen. I called my insurance company to file a claim and called my financial lender for the loan and let them know that the motorcycle was stolen. There was an investigation done by XXXX county sheriff and the outcome was the bike was uh unable to be recovered. The motorcycle was installed with a XXXX device which was part of the loan agreement when it was financed. To my surprised the XXXX that I was charged for was never activated and thus made the probability of locating the motorcycle nearly impossible replied the detective handling the case. I went through financial hardship paying for transportation because I no longer had a vehicle to take me to work, school etc. It took nearly 4 months for this company to receive a check from my insurance company due to extremely poor customer service. There was a total of 4 checks mail to the my financial lender finally paying the complete remaining balance of the loan. I wrote a good will letter explaining my hardship that I was struggling not having a vehicle and no leniency was given. During this process of my motorcycle being stolen cause you not able to make payments. My account was reported late to the credit bureau causing my credit score to decrease dramatically.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2019 online dispute was submitted to Trans Union for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. Trans Union dispute results did not delete the account as requested. XXXX dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to Trans Union to remove the following account from my credit report as soon as possible. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}
Consumer complaint received 2019-05-31
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

YOUR COMPLAINT I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my XXXX credit reports. Im requesting verification of loans including original signature on documents.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

Enhanced Recovery {$1300.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

If I did not have payment protection then WHY did the Federal courts in NY order then to stop requiring card holder pay for it? Discover Financial Services has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. I stop using My cards in XX/XX/XXXX hen they refused to owner my XXXX clam! I found out that I had another discover card but it came with {$5000.00}. already charged to it! I paid them on line. My wife sent in checks. She would send them {$200.00} and what we owe them would go up {$2000.00}! A few times they tried to take {$2000.00} to {$5000.00} from my bank account! Computer errors they said! They would add this amount that they could not get from my bank to what we owe them! I put a stop o all transfers from my bank to less then {$200.00} except my House payment! Which I got a few calls from XXXX XXXX XXXX claiming that they own my mortgage and I had to send then money over the phone to them NOW or they would foreclosed on me! I did get a lot of phone calls from their lawyer XXXX XXXX XXXX XXXX XXXX saying that they are going to take my home and put me into jail! XXXX, XXXX. Today, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit in a federal district court against the debt collection law firm XXXX, XXXX XXXX XXXX for falsely representing in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. The law firm made statements on collection calls and sent collection letters creating the false impression that attorneys had meaningfully reviewed the consumers file, when no such review has occurred. The CFPB is seeking to stop the unlawful practices and recoup compensation for consumers who have been harmed. I found out that I have an XXXX XXXX card that had transferred {$5000.00} to Discover Bank! Also funds were transferred to discover Bank from my XXXX and XXXX cards! All were computer errors??? As they kept telling me and now are lying to you! Tis XXXX with them started when I informed the that I was an XXXX veteran!!!
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have disputed the fraudulent account of {$420.00} with XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019 and provided the FTC report as well. They have not report the account.
Consumer complaint received 2019-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Hello my name is XXXX XXXX, I sent money to the wrong place/person ( Ive never used money gram before ) I didnt know how it worked I thought I did. But I sent XXXX $ to a XXXX XXXX In XXXX and Id like to get my money back. This transaction happened XX/XX/XXXX.
Consumer complaint received 2017-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX i sent a certified letter to Equifax asking them to verify my accounts according to fra rules section 609 ( a ) ( 1 ) ( a ) & 611 ( a ) ( 1 ) ( a ) and section 611 ( 5 ) ( a ) .On XX/XX/XXXX I sent a 2nd certified letter stating that this is my 2nd letter asking for documentation that my accounts have been verified still no letter of reply and the accounts remain on my credit report. Since I have sent these letters I am no longer able to get online on there accounts dispute webpage tells me my information dosent match what they have on file. I called them and asked them about my letters of verifacition they did yes they had received them. I asked where my proof of account verifacition was from them and they told me accounts were verified, but do n't provide me with proof that they have been according to the frca those account must be removed from my credit report because they can not provide proof of verifacition. I am trying to by a house and Equifax has cost me 60 days of not being able to by a house. I also must mention that I wrote the same certified letters to XXXX and XXXX and both CRA replied back with letters within the 30 day period and both of the CRA removed accounts that could not be verified so by law they did exactly what they were suppost to do.
Consumer complaint received 2017-08-22
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. (NY)

In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (AZ)

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Credit Control Corp which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. However, I reached out to this collection company to make the payment in exchange for it to be removed from my credit, which I was advised it would, yet it has only updated to a paid collection. When I reached out to find out why it was not deleted as advised, I was informed that I was told that so that a payment would be made. I would like this collection removed from my credit due to erroneous & deceitful collection practices.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I was checking my credit score on XXXX XXXX and noticed that I had a hard inquiry from XXXX XXXX XXXX/XXXX  From XX/XX/2019. 
Syncb XXXX, FL XXXX ( XXXX ) XXXX This is nothing I was aware of. I have no history of any credit cards? Im concerned that this might be identity theft. I just need to know what steps I must complete to get this resolved ASAP. 
Thank you in advance
Consumer complaint received 2019-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

Hi, i have never received any information from this company Midwest Recovery until it showed up on my credit report. I have called the number showing with no connection. Even the credit report shows date of open XX/XX/XXXX with status update on XX/XX/XXXX. Midwest recovery has never contacted me by mail, phone, or email.
Consumer complaint received 2017-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC (CA)

During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.
Consumer complaint received 2017-10-07
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. (FL)

XXXX XXXX, XXXX I called Equifax and sat on hold for 1 hour and a rep came on and tried to help, placed me on hold and disconnected me, I did a Dispute XXXX XXXX and it was over 30 days which FCRA states that items will be deleted if not completed in 30 days, this hasnt been the case with Equifax, they are over the time frame and should delete. Also, they had a section to dispute Inquiries but say they they cant dispute Inquires is contradicting.
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I spoke to someone regarding the purchase of an item. We reached an agreement and I sent him {$200.00} on the popular app, Cash App. After I sent it, he never replied and blocked me. This all happened XX/XX/19 from XXXX XXXX to about XXXX.
Consumer complaint received 2019-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

This Debt collection shouldve been already off my credit report, but what they did was reopened it up right before the 7 yrs was up to allow it to stay in my credit report longer. I dont feel thats fair because Ive waited my allotted time for it to be removed & for them to just open it back up is a bunch of XXXX.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 2019