davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX  XXXX # XXXX is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UT)

" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. XXXX XXXX needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX  and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. 

They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. XXXX XXXX has ignored all police reports and ID FTC reports and continued to break the law anyways.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ). 

ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00}
Consumer complaint received 2021-08-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

Previous complaint # XXXX.I need a disclosure, ,something from usaa showing the rules of Membership. All I have is their word. Why can't they use my SS? According to my Credit Union I can close my account, they too have to keep records but my Membership is closed. USAA is refusing to reply to the Arkansas Attorney Generals Office as well as to my messages. No doubt they are hiding something. Can they legally keep my Membership open? On my original complaint I still had a account, now everything is closed. Just use my SS and close my Membership. I don't like usaa, they don't like me. Let 's end this now and I'll be happy. Please send my complaint to someone higher than the person that replied earlier. Thanks, XXXX
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TD BANK US HOLDING COMPANY (NJ)

My credit card has been compromised. I cancelled the card at the advice of the issuing bank ( TD Bank ), yet the charges persist. I learned that Visa has a service called Visa Account updater that automatically provides new account details on previously cancelled cards to merchants. See XXXX XXXX XXXX The only way to avoid the continued compromise of my account is for the issuing bank TD Bank , to opt me out of the Visa Account Updater system. This opt-out feature is a feature offered by hundreds of banks in America as a simple XXXX search shows. And it is to my understanding my legal right. for example, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent two hours, including hold time, speaking to TD Bank agents. They were unanimously rude or incompetent or both. Without exception they were unfamiliar with the Visa Auto Updater service ( XXXX XXXX XXXX ). Yet despite, their admitted ignorance of the feature, they insisted with finality that I could not be opted out of the service, despite my legal right to be opted out. 


As an aside, this incompetent customer service and long hold times are habitual with TD Bank. 


Please have TD Bank immediately opt my accounts out of the Visa Account Updater system,
Consumer complaint received 2021-08-01
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: Experian Information Solutions Inc. (UT)

****Attention Credit Bureaus, General Revenue has illegally violated my rights under the FCRA section 605 B by negligently reporting alleged fraud and identity theft debts per FCRA section 623 as the Data furnisher to you all. I have provided them the Data furnisher valid and active police report numbers to retrieve the required documentation from the XXXX XXXX police department which they have negligently failed to do so. Instead XXXX XXXX willingly reported this debt anyways to all 3 credit bureaus. I demand immediate removal of all reporting promptly due to these major violations under the real FCRA federal codes.
Consumer complaint received 2021-08-01
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: Experian Information Solutions Inc. (GA)

Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX  and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : XXXX  XX/XX/2021 XXXX  : XX/XX/2021 Experian : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NV)

Dear CAINE WEINER In regards to the accounts from Progressive, it has been brought to my attention that you claim that I owe {$650.00}. While I accept no responsibility for ownership of this debt, Im willing to compromise and offer a full payment settlement amount in exchange for your agreement to the following : Your agreement to the full and complete deletion of any past-due references pertaining to this account from all credit bureaus to which you report. 
Your agreement that this payment constitutes a paid in full account, and not a paid collection or settled account. 
Your agreement that you will not attempt to sell or reassign the rights to this account to another third-party debt collection agency after payment has been received. 

While Im well aware that your purpose is to collect debts that you have obtained from original creditors, I am also aware that you are under no obligation to report any of these accounts to the credit bureaus.

That being said, your full cooperation in deleting this account in exchange for payment is appreciated.

When I receive signed documentation from your authorized representative on company letterhead stating that you agree to the terms above, I agree to pay {$650.00} via certified funds either over the phone via debit/credit or e-check, cashiers check or money order. If money order or cashiers check is chosen as the option, the payment will be sent to you via priority mail as soon as I receive the signed agreement. 

Please be aware, that this is not a renewed promise to pay. I make no claim of responsibility for this debt, and I make no statement that I believe that this debt is valid or owed by me. 

In the event that you do not agree with the resolution terms I have offered above, I will move forward with my rights to request a full and complete verification and validation of this debt. 

I am also requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation proving that I owe this debt ; and a copy of your license to practice debt collection in my state. Additionally, I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. 

I look forward to a timely resolution of this matter. 

Regards, XXXX XXXX
Consumer complaint received 2023-01-22
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: Self Financial Inc. (GA)

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THM FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS AND THEY HAVE NOT RESPONSED.
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

Ive been trying to have my bank account updated so that I can swiftly make any past due payments since XX/XX/XXXX. XX/XX/XXXX Ive replied to the email theyve sent me confirming my new account information as they had the incorrect information although a bank statement was provided. I have not received any emails, phone calls, or notifications about this nor has any of the information been updated to reflect the change of account and am still past due. It has been nearly 3 weeks and the account is past due and Im looking to have this issue resolved IMMEDIATELY.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Applied for Best Buy Credit Card specifically to purchase an item worth around {$1500.00}. During the application process, I was offered the Best Buy Gold Visa, and was required to accept the annual fee of {$59.00}, which I did. 

It was only after accepting the annual fee that I was advised the credit limit would not be sufficient to purchase the item I had specifically applied for the card to purchase. 

I contacted the issuer to discuss if an increased credit limit would be possible, which was declined, and at this point I requested the annual fee either be waived or refunded and was advised it is company policy not to waive or refund annual fees, despite the card not being suitable for the reason I had applied.
Consumer complaint received 2019-12-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

I have contacted the collection agency AD Astra directly, as well as, XXXX, XXXX, and XXXX since XX/XX/ 2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Hi, My name is XXXX XXXX on my Macys/DSNB account that was opened XX/XX/XXXX. There is a late payment for XX/XX/XXXX that I for sure know I paid. I complained to Macys on several occasions leading up to the payment due date that their processor was having issues with my bank and that it wouldn't accept my payment/ it wasn't going through. There was no bill sent to me or no notification up to the payment date however if you check my credit is is flawless. From when I had this account opened in XXXX up to XXXX there was never a late payment or missed payment except this 1 which is on Macys fault. I am trying to go for a mortgage loan and this is severly hurting my credit.
Consumer complaint received 2021-08-01
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. (MO)

XXXX XXXX XXXX  has a defaulted account in my name for a XXXX XXXX store card I never opened. I had identity theft issues during the XXXX  breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avantus, LLC (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2021-08-01
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. (FL)

Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Transunion and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told Transunion that in XXXX of XXXX my balance was {$350.00} ( See Transunion XXXX ). Then they told Transunion as of XX/XX/XXXX I had missed no Payments. ( See Transunion 1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told Transunion? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX  XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told Transunion as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, XXXX  and Transunion knows this information. I supplied XXXX XXXX and Transunion with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/
Consumer complaint received 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (MI)

I started having issues with the mortgage company, Shellpoint, in XX/XX/2021, my mortgage had been in forbearance due to covid. An extension of the forbearance was given in XX/XX/2021 through my contact agent for my mortgage, during this time my agent had offered for me to do a loan modification with Shellpoint before my extension would end by XXXX. My agent never told me I had to pay any certain amount or that my mortgage was late. When the papers for the loan modification were sent out, I chose not to go through with the modification because I wanted to refinance with another mortgage lender, signing those papers would have been a hindrance to me refinancing and I expressed this to my contact agent, he then told me that I would have until XX/XX/2021 to make a full payment of XXXX before they would have to report my mortgage account as past due. I chose to make the full payment amount to bring my account current around XX/XX/2021 and this was suppose to bring my account current before the extension period ended. In XX/XX/2021, after I brought my account current, XXXX reported to the credit bureaus that my mortgage account was past due from XX/XX/2021, which is untrue because I had gotten an extension from my contact agent in XXXX of 2021, plus I was still making payments while in forbearance but Shellpoint was holding these payments and not applying them to my account. When I contacted Shellpoint about these credit reports, my original contact agent all of sudden became unavailable and I have not spoken with him since the loan modification inquiry, instead I spoke with another agent who did not know why Shellpoint was reporting my loan late because it was paid up and in good standing and this particular agent said she would sent a note to their reporting department about my issue. Shellpoint in XX/XX/2021 yet again began reporting the account as current and then reporting the account as late in multiple reports, ruining my credit, and I have reason to believe they are doing this in an attempt to ruin my credit so that I am not able to refinance, my score went from XXXX to XXXX because of their false reporting, and leave them to go to another lender. None of these negative reports started until I expressed to my original contact agent that I was not going to sign a loan modification and that I wanted to refinance with another lender outside of Shellpoint. In XX/XX/2021, I had spoken with a supervisor at Shellpoint who advised me to make this complaint with the consumer financial protection bureau and with Shellpoint 's own complaint department. When I spoke to this same supervisor, she also told me that other people were calling about the same issue, so this seems like a practice that they frequently do to people.