davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
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: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

LANIER COLLECTION AG Reported : XX/XX/2019 {$200.00} LANIER COLLECTION AG Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-20
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: Google Compare Credit Cards Inc. (GA)

My XXXX yr old son clicked on an icon on XXXX XXXX, my credit card was charged XXXX. This is not the first time it happened the first time it happened I filed a complaint with google, they refused to issue a refund. I took my banking information off their site. I don't know why my banking information was still being retained after removing it. I again filed a complaint for the latest purchase letting them know I did not authorize it. Again they refused to refund my money. Google is doing something illegal with people 's banking information. I have since filed a complaint with my bank and will be filing with other agencies as well. They also have the incorrect last four digits of the debit card information, in their refusal email, but the correct one on their site which I have since removed.
Consumer complaint received 2019-07-08
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. (GA)

XXXX {$680.00} XXXX XXXX XXXX {$500.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NJ)

I have sent in a complaint to you before. XXXX stated that they can not find the debt they are stating I allegedly owe. How are they able to report THIS NEGATIVE information on my credit report? I've requested information from XXXX THREE times to show that this was my debt and I haven't received ANYTHING from them. I responded to them with some number that is stated on my credit report and AGAIN, I still have not heard from them and it is STILL on my credit report. Do I need to sue for damages to have them finally remove this?? I would like a resolution to this issue, not just have them respond and you drop it!
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

Mortgage company Ditech continue to escrow home owner insurance and send payments to the insurance company when I requested them not to do so and the company approved my request not to escrow home owner insurance. We pay our own home insurance for the year beginning XX/XX/2018, yet they have escrowed and have sent a check to the insurance four times between XXXX and XX/XX/2018. The latest was XX/XX/2018 I received an email from the mortgage company on XX/XX/XXXX, that they sent a check to the insurance company in the amount of {$1400.00}. 

This is my second complaint on the company since XX/XX/2018. The mortgage company response to your agency and to me is that they corrected the problem but the same issue happen again right after they sent out that communication that they corrected the issues.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

We had signed up for XXXX XXXX cable for approx 7-10 days and figured out it would not work for our large family as only 4 tvs could be used at once as the rep that sold us the service never told us about the limitations we called the company and they said it would be about a year before they were going enhance the services to allow more tvs to be viewed at once. We were a family of XXXX at that time, so we were fighting on who got to watch their shows and who did not. Being XXXX of the family members were teens it caused major problems. I cancelled the service and went back to XXXX, which I can supply dates to correspond with the events. Being that we cancelled we were told to ship back the equipment. I did so. XXXX wanted to charge me for the equipment. The equipment was returned and received by the company and acknowledged by a rep I think in 2014 it was. I then asked for the equipment to be returned as I was not going to pay for something was returned. To this day, I still have not received the equipment returned to me. The equipment is with XXXX. return it and I will pay.
Consumer complaint received 2020-12-20
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. (CA)

I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.
Consumer complaint received 2021-12-31
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: U.S. BANCORP (PA)

A rather unique situation occurred on XX/XX/2020. My brother in law used my desk top to apply for a credit card with US Bank. My information auto populated and he submitted the application. I wrote US bank informing them the application was submitted in error and to remove the inquiry from my credit report. US bank responded that they would not remove and if I believe my identity was taken to contact their fraud department. I responded with the letters enclosed with a signed statement from my brother in law that he made an error and proof that he has a XXXX XXXX XXXX XXXX. And again, to please remove the inquiry.
Consumer complaint received 2019-05-17
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. (NY)

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 )  XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-08
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. (HI)

Navient is my loan provider, I had them directly take payments out of my XXXX account every month, however sometime in XXXX I guess they had a change in policy that they never made me aware of that they would stop sending me monthly invoices in the mail, and that the only communication from then on would be through email which I never check, so I stopped receiving invoices in the mail and something happened with the billing and I got XXXX notices of my late payment, I found out checking my credit score that went down XXXX XXXX for XXXX of their late payments, I feel this is very unfair, had I not checked my credit report id still be delinquent, I want them two remove the XXXX late payments on my credit report, I explained my situation too them but they were very rude and told me to just deal with it, also the school I attended, XXXX XXXX charged me for a whole term after I took just a few credits and said I couldn't get my money back, it all seems like a big scheme to me.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CA)

I owe around {$10000.00} to XXXX, and am in a debt resolution program with XXXX XXXX XXXX. I provided XXXX the number to XXXX XXXX XXXX, and was told not to have any further contact with XXXX representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by XXXX. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MA)

National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.
Consumer complaint received 2019-07-08
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. (GA)

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

XX/XX/2019 I requested my annual credit report on XX/XX/2019. I received XXXX and XXXX within days. Experian has never complied or responded and I have tried calling the number on the website and it puts you in a loop that tells you you must select fraud or security freeze so you can not speak to anyone or get any assistance
Consumer complaint received 2021-12-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, Equifax and XXXX about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one has 3 hard inquiries on my credit report when advirrtisment said it would not count against credit it was a soft inquiry .They lied or were not truth ful
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian has messed up my credit report and because of them my credit score went down 15 points today. I have student loans on my credit report that were discharged due to a total and permanent XXXX, experian is reporting these loans duplicated on my credit report, there are two of  each of these accounts which are exactly the same accounts, the other thing is that they are reporting a balance on these student loans and there should not be a balance on a closed account, I checked all of my closed accounts and the balance are on {$0.00}, student loans are the only ones showing a balance. fix my credit now
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/2018 till Present I have been making timely payments and Capital One Administration refuses to raise my credit limit at least {$4000.00} to {$5000.00} so I be able to purchase items in my community shopping centers in XXXX XXXX County, California. 
Such as Appliances, Electronics, Vehicle Gas, Travels and much more and cost of living is very expensive in California. 

I am going through a VA Loan process to purchase a new home and low credit limit is not helping raise my credit scores with XXXX, XXXX  and XXXX. 

Respectfully, Capital One is not allowing to raise my credit limit because of my XXXX XXXX and many Federal Government complaints. 

I have a XXXX  XXXX and XXXX  XXXX income of {$4700.00} from California XXXX XXXX XXXX XXXX and my income goes up 3 % every year on XXXX XXXXand is XXXX. 
XXXX Income never reduces. I have recently sent evidence document by email to Capital One around XXXX XXXX but I don't see my credit limit elevated. 

I respectfully could use a credit limit increase to at least {$4000.00} to {$5000.00} for XXXX shopping for my beautiful little grand-daughters ages of XXXX, XXXX and XXXX. 
My Present Capital One credit limit is only {$750.00} and for California, our US Military Veteran needs higher credit limit. 

During Covid19 Pandemic many US Military Veterans could use higher credit limits. 
I am respectfully a US XXXX XXXX  Military Veteran. 

This is a Urgent Request and with Honor and Respect Always. 

I am purchasing a new home with my VA Benefits.
Consumer complaint received 2019-05-17
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CA)

After the XXXX of the month US Bank calls me successive times in a 1 minute time frame. Literally 2 calls in 60 seconds. They'll make multiple calls per day as well. They'll do this every day until they receive the payment. I consider this excessive and abusive.
Consumer complaint received 2021-12-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXXXXXX, 2021 I recieved an alert from Transunion that I had a collection item from XXXX XXXX XXXXXXXX XXXX for a debt owed in the amount of {$540.00}. I never recieved a notice from XXXX XXXX XXXXXXXX that a debt was owed, it just appeared on my credit report. I called XXXX XXXX XXXXXXXX on XXXX and paid the debt in full and was supplied a letter from the creditor that the debt was paid in full and they agreed to remove the item from my Transunion and XXXX credit file. I spoke with XXXX XXXX from XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX and XXXX and was advised that the request for deletion was sent 2 times through the system called E-Oscar with a control # of XXXX. I was assured this would be removed within 24-48 hours. As of XXXX Transunion has not deleted it. I have called Transunion several times and get nothing but a bunch of runaround with them foreign XXXX reps that dont know a XXXX thing. However, I plan to file a civil lawsuit against Transunion in the sum of {$500000.00} for negligence and absuse to keep my credit tarnished after a creditor has asked numerous times for it to be removed. It has been made very clear that the reps do not care and do not listen to anything that a customer tells them.