davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

Despite my filing XXXX disputes with Equifax ( see enclosed ), they refuse to remove a medical bill ( see enclosed statement from the XXXX ) that was charged off on XXXX XXXX, 2013. This negative does not appear on my credit reports from XXXX, XXXX or XXXX and is no longer on file with XXXX ( see report from XXXX ). This single bogus and baseless negative item is preventing me from obtaining a loan for a home. Supporting documents are enclosed.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is refusing to provide me with my old/last account number. I have spent hours of the phone getting transferred to different departments within Capital One and they said they are not allow to provide that information to me. I need this full number to access XXXX XXXX 's system in order to find an old receipt for a purchase I made using this card. Since it was a secondary card ( it was under my name and social security number, but used by my husband with his name on it XXXX, it is not listed on the old account statements. Only my primary credit card number is listed on the statements.
Consumer complaint received 2015-11-20
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Johnson Mark LLC (ID)

To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 2nd attempt with XXXX, Transition, and XXXX. All 3 Credit Bureaus are reporting incorrect information on ALL Positive and Negative accounts. I have sent 2 letters Certified Mail and these issues are still incorrect. The 3 Credit Bureaus responded the at the dispute has been verified. I had called the Positive and Negative accounts from my credit file, and actually received the CORRECT information. The 3 Credit Bureaus had lied and said they have all been verified.

I know my rights under : 15 U.S.C. 1681 Section 602 A. I have the right to Privacy 15 U.S.C. 1681 Section 604 A. A consumer reporting agency can not furnish an account without my written instructions.

The open dates are still inaccurate, the date last active is still inaccurate, and the date last reported is inaccurate. This is grounds for removal and the 3 Credit Bureaus violated my rights.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

Dear Sir/Madam, Good afternoon! My name is XXXX. I opened a XXXX credit card on XX/XX/2016 and spent more than {$3000.00} in next three month. Although I got the reward points, they are locked by Amex somehow when I intend to transfer my points to airline with excuse " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Could you please ask Amex remove the lock so that I can book ticket with my points? 

Thank you, XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

not complaining about capital one. need individual attention. i have decided to get back and want returned XXXX from XXXX on my card ending in XXXX i have explained that this merchant was not at all customer friendly and since i disputed the first XXXX on XXXX i have had dealings not fruitful. my daiughter CRied every day at camp with no one telling me or telling me when i called to ask how she was. With the merchants attitude blaming me for my daughter not enjoying camp i seek the XXXX returned please this was NOT somthing i was aware of in terms of his attitude when i filed on XXXX for the dispute i am a good customer here. please help
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Mortgage LLC (NV)

I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.
Consumer complaint received 2023-04-11
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. (OH)

I have attempted to handle this with Experian several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (PA)

I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have items on my credit report that are NOT mine and I would like them taken off! One of them is a Vet for a animal that is not mine! I do NOT own a dog but this XXXX vet says I owe them over {$2000.00} for something that is n't mine. Also there are medical bills on my credit for places I have not been or even went to a doctor for these issues! I just want them removed off my credit so I can be done with this misinformation!
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (CA)

Called asking intrusive questions eluding that i know a person named XXXX XXXX and my name is on this persons file. I do n't know this person. Rude, accusatory, argumentative - XXXX XXXX I believe his name is - I believe he knows I do n't know this person - yet he asked for me by name - will these debt collectors ever stop - it used to be another person that i would get these calls for. Why ca n't these stop! They just keep changing company names or who they are trying to collect from. I am on a do not call list. My number is not listed. Please make these people stop this. I receive multiple hang ups a day because I ca n't even answer my phone because its always debt collectors looking for people i do n't even know!
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (WV)

JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lotane & Associates, P.A. (FL)

I received a summons to appear in court in XXXX County Florida regarding a possible judgment on a debt went into collection in XX/XX/XXXX. The debt was opened up with XXXX XXXX XXXX XXXX Florida in XXXX, FL. Instead of going to court, I agreed to a settlement agreement to start paying {$50.00} a month starting XXXX XXXX, XXXX until the debt is paid off. However, after I had signed the agreement and sent it back to the attorney firm, Lotane & Associates, I remember that I received a XXXX from XXXX XXXX XXXX XXXX Florida during the XX/XX/XXXX tax year that stated a cancellation of Debt. This is where I was confused because I called and tried to get an explanation from Lotane & Associates as to why I would be summon for a debt that had been cancelled by the XXXX XXXX in XX/XX/XXXX. In addition, Assuming that I did not have to appear in court because the agreement was signed before the appearance of the court date, I discovered that the judgment was filed against me anyway on XX/XX/XXXX because Lotane did not let the judge know that I had set an agreement with them that resulted in a default in favor of Lotane. When my counselor called the attorney 's office, they stated that they did not know what happen and will motion to have the default dropped. It still has not happen as of yet. In the meantime, we are trying to see if the summon was legal because the debt was forgiven and I had included this on my XX/XX/XXXX income tax as income earned per the required law. I have not received a satisfactory answers from either XXXX XXXX XXXX XXXX Florida nor Lotane who I feel are both at fault because XXXX XXXX sold a debt that has been cancelled along with Lotane who let the debt go into default knowing that it was agreed. Please see the attached documents regarding this matter. I need to have this agreement nulled and find XXXX XXXX XXXX XXXX Florida and Lotane negligence with their unscrupulous practices. I have asked several questions about the date the debt was sold to Lotane but ca n't get a clear answer. Each company is asking me to call the other because they feel like they are not responsible as to what happened.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I have been trying to get Equifax to do their job and update this incorrect information on my credit report. Equifax continues to update my credit report to show that I owe {$410.00} to XXXX for XXXX. I do not owe this money ; I paid this account over a year ago and provided Equifax with a copy of the cleared check, which was deposited by XXXX in XX/XX/2016. Equifax 's inability to do their job has cost me the opportunity to purchase my first home. Please help me hold them accountable for doing their job and removing this inaccurate information from my file immediately. I have attached copies of the check which was credited to XXXX ' account.
Consumer complaint received 2017-01-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (FL)

An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (FL)

Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (GA)

The company refused to give me a modification, and i was approved and doing a modification under the XXXX old mortgage company. They refused to pay off my taxes under my home which was in the loan, when I would call all the reps would get smart and say well you owe the bill so you should n't be complaining. they refuse to give me a modification, and refused to hold off on a foreclosure when the application was submitted. it 's like they was n't trying to help me save my home all. i have left numerous messages for account rep and supervisors to call me none of this was happening.
Consumer complaint received 2015-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Performant Financial Corporation (IN)

RE : Case # XXXXI did receive a letter from XXXX XXXX XXXX at Performant Recovery. It did not include another XXXX as stated in letter. I again faxed him the copies of all the correspondence, which included financial information and I mailed a hard copy to the address on his letterhead with a proposal of a payment plan. I asked again fora written response. This was onl XX/XX/2015 and now it 's XX/XX/2015. So my credit is still suffering and I 'm making payment and accruing interest and penalties.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (NY)

HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MSW Capital, LLC (AZ)

CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MA)

I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.