davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
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. (LA)

I have contacted the bureaus are several locations about accounts that were supporting to the credit bureau on my behalf these accounts or allegedly not mine I have no knowledge of these accounts and most of these accounts were settled in my divorce when I divorced my wife five years ago I would like to have a cow still be removed from my credit file and my credit file update to show accurate and correct information the accounts or Louisiana Child Support, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems (UT)

On XX/XX/XXXXI recieved a notificaiton from my credit report. Midwest Recovery Systems reported to my credit report on XX/XX/XXXX stating I owed them {$480.00}. I have never heard of this company nor the company they are collecting for. I have researched their name and have read multiple reports that this company is a scam. I have also researched the name of the company they are collecting for and they do not have any record of being in the state of Utah. I have not contacted them due to not having sufficent information or a letter/notification stating that debt was due. I am afriad to contact them due to identity theft which may be a possibility.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Great American Finance Co (OR)

XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (SC)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. verifying a debt i supposedly owe in response to me disputing this debt several times. This debt was not verified because the only thing sent to me was the contract from XXXX XXXX. I did not open a XXXX XXXX account in XX/XX/XXXX ( when the account was opened ). Theres no signature of mine no where on the contract neither is my social security number or anything else that links me to this account. The grand total of this account is XXXX but the total balance they say i owe is {$910.00} and its reporting to all of the credit bureaus and needs to be removed immediately to show accurately.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

Hi, I applied for a Wells Fargo Platinum card requesting a {$16000.00} credit limit and {$11000.00} in balance transfers. After my application was submitted, Wells Fargo responded with an offer for the card with a {$7500.00} credit limit and smaller balance transfer amounts. I didn't want those terms, so I refused to activate the card. However, Wells Fargo still processed a balance transfer for a lesser amount that I did not request or want, charging me {$210.00}, and debited the card I had not activated. 

I called and spoke with multiple people, but no one could explain why a balance transfer for an amount I didn't request was made on a card I didn't activate. The company said I could request a refund after I re-transferred the balance back to my old card, incurring another nearly {$300.00} in transfer fees from the other card.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TN)

Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc. (MS)

The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX 2017. The EOB confirming this information will be attached to this complaint.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Consumer complaint received 2017-10-28
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. (GA)

In XXXX of XXXX, I started the process of purchasing a car. I only visited and communicated with 3 vendors. Those vendors are were XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. That should have only generated XXXX inquiries on my credit report. I had loan pre-approval paperwork from XXXX, so there was no need to run my credit multiple times with different lenders. However, upon reviewing my credit report, I noticed that XXXX inquires were generated on Equifax, XXXX on XXXX, and XXXX on XXXX. There were some companies that ran my credit 2 to 3 times within 2 days, creating several entries. These inquiries were UNAUTHORIZED. I have disputed with all three credit bureaus with no results. They have told me to contact the companies individually. I have attempted to do so with no results. They have failed to provide any documentation showing they were authorized to run my credit. The FRCA rules state that the permissible purposes for running credit are for a firm offer of credit, employment, insurance, or a court order. None of the above apply to the companies that initiated the inquiries. These inquiries are severely impacting my ability to obtain credit. Therefore, I am respectfully requesting the removal of the following inquiries from my reports : Equifax : XXXX XXXX ( have never even heard of this company ) XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( ran 2 times ), 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 XXXX XXXX XXXX Thank you for your assistance on this matter.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I provided my XXXX XXXX information to pay for a cruise on XXXX XXXX XXXX ( " NCL '' ) My XXXX statement had an XXXX/XXXX/XXXX transaction date and a XXXX/XXXX/XXXX post date in the amounts of {$2600.00} and {$140.00}. I paid XXXX 's bill in full. Today ( XXXX/XXXX/XXXX ), XXXX week before the cruise, I XXXX told me that they never received that money from XXXX, XXXX insisted that I give them another credit card and pay the amount again or they would cancel my reservation. XXXX insists that they paid XXXX and XXXX insists that they did not get paid. I have now paid for that trip twice. That is XXXX times almost {$3000.00}. I spoke to XXXX ( XXXX XXXX ) at XXXX. XXXX was not interested in the fact that I had already paid the full amount to XXXX because they claim XXXX did not pay them. I spoke to a supervisor at XXXX named XXXX XXXX XXXX spelling may be wrong ) at XXXX in South Dakota. XXXX is a big bank for a long time that knows how to trace funds. These are two huge companies and they are leaving me out to dry, each blaming the other. How can this happen? Thank you for your attention.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have been with Navient for a long time trying to repay my student loan. They made it really hard for me to bring the principal down. In several occasions I also paid an extra amount above the regular monthly payment but I did not see any evidence that I was making any progress. So, I decided to refinance with a different student loan company, XXXX. They approved my application for refinancing and sent the payoff check for {$120000.00} to Navient on XX/XX/XXXX. According to XXXX, the payoff check was cashed by Navient on XX/XX/XXXX ( unfortunately XXXX   sends the payoff checks via regular mail, so it takes a while to reach the other lender ), but my loan still remains unpaid and the interest keeps accruing on both the Navient and XXXX  loan. I contacted Navient today and I was told that they have no records that a payoff check has been received by them. This is totally non-sense since they cashed the check. How long do I need to wait to see my loan with Navient paid off? Since my loan with Navient is still outstanding, on XX/XX/XXXX I sent another monthly payment to make sure I am current with them.
Consumer complaint received 2018-03-27
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. (GA)

On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, Experian and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Consumer complaint received 2018-03-28
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. (NV)

On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
Consumer complaint received 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter form the mortgage company denying mortgage assistance, I have filed a chapter XXXX bankruptcy and is unable to keep making chapter XXXX payments in order to keep my home, the letter is dated XXXX XXXX denying me mortgage assistance, they have stated the reason for the denial is due to my getting several modifications and have reach my limit, that statement is not true. I only remember receiving XXXX modification. I have applied for help from XXXX and based on the Government guideline of eminent Default criteria, we qualify, my husband and myself are both XXXX, my husband  has had XXXX XXXX, in the past 10 years and now he is XXXX XXXX, I have XXXX and XXXX and XXXX problems, and is also XXXX XXXX. Please help us keep our home, we no we owe the debt so we are just trying to get a modification because now our income is stable, and we just need to get our mortgage modified, the company is discriminating against us. Life happens and we need your help to help us uphold the law that states we qualify, we could not help our currant situation the dollar amount of the back pay is $ 67,853.42.Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I received a letter ( attached ) datedXX/XX/XXXXfrom Capital One Credit card company informing me that my credit card was closed on XX/XX/XXXX. On Monday XX/XX/XXXX I called the customer service phone number to inquire about this account because I never applied or received a credit card from Capital One. The customer service representative was able to locate the account but would not give me any information and denied my request to speak to a supervisor. He said that he can not tell me any information unless I provide him with my SSN while I felt uncomfortable to provide this information over the phone specially with a possibility of fraud.
Consumer complaint received 2017-10-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SECURITY CREDIT SYSTEMS INC (NM)

Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.
Consumer complaint received 2017-10-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (GA)

In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

Thank you.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.
Consumer complaint received 2018-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Received an alert from credit monitoring service that inquire from XXXX XXXXXXXX XXXX posted on my account XX/XX/2018. Contacted Trans Union to notify that I did not apply for credit and inquiry is unauthorized. TU advised that I contact XXXX   to have inquiry deleted. Contacted XXXX and was advised to contact TU to have deleted because they have not record of application on file. Contacted TU to have inquiry deleted after explaining what was advised by XXXX. TU indicated that they could not delete and I would have to contact XXXX