davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

I have 7 collection amounts listed by XXXX XXXX  XXXX XXXX. They never contacted me, I received no voice messages or letters. I learned about them from a credit report retrieval. I've been paying XXXX $ a month to them to get this resolved, yet I still haven't ever gotten an account statement. When I try specifically to pay on one of the 7 collection amounts on my credit report they tell me that it's listed as a lump sum in one account. If this is so, why are their 7 different collections listed and if I do have 7 different collections why can't I pay one each one individually?
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I an entitled a free credit disclosure file, due to a credit denial. I tried getting disclosure file by phone, but Equifax is requiring me to get my credit score also with my free disclosure file, therefore eanting to charge me for my credit score. So I try it online, give all the info they requested and then tell me " at this time they can not give me my credit disclosure file ''. Then want me to use the robo phone line to get it. Its just one vicious circle they have sent me in. Reason I m pursuing this is I have false info on my credit denial. I m wanting to verify this info is in fact in my credit file. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (TX)

XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Date : XX/XX/year> - XXXX XXXX  Amount : {$170.00} Action taken by me : Called Wells Fargo to inquire about unauthorized transaction from ATM Action taken by Wells Fargo : None
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX {$1500.00} was deducted from my Truist-B & T-Subtrust checking account ending in XXXX showing details : " XXXX # XXXX PAY DEBIT MEMO '' -Communication with the bank has been impossible : >50 minute hold times for the main number, closed branches, branch phone calls not answered, etc -I was able to speak briefly with a branch mgr. via phone who explained the branch could not assist with this matter. He did provide enough information to point me in the direction of the possibility of credit card debt from a prior owned business. I left this business in 2011 and filed for bankruptcy. This card issuer was listed as one of the debtors. Bankruptcy particulars are attached. 
-I have made several attempts to explain this to the bank via telephone but have been left on hold for > XXXX hour.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Consumer complaint received 2022-03-08
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. (TX)

I did not authorize the accounts showing on my credit report. I have been away traveling for college. I recently came back to XXXX from Oklahoma. I checked my credit report because i am trying to get a apartment and was denied. I have never tried to use credit until now. I don't know who opened the accounts on my credit report but it was not me. i am listing the additional information that does not belong to me here : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CB1, Inc. (MT)

After the death of my son, CB1 collections contacted me, I offered to pay {$50.00} a month until I could pay it all off, they told me that was not good enough and they would not work with me. Months later they sued me, and are now threatening to garnish my wages, after talking with them in XXXX I told them I would pay them off completely in XXXX with my students disbursements, but I would also pay {$50.00} until I recieved the money to pay it off [ about 2 payments ] they again said no. 

CB1 and XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-02-12
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. (RI)

XX/XX/2021 send second letter. For dispute And received accurate and dont made investigation you has been verify account XXXX XXXX XXXX XXXX investigate account response has been verify I need fixed account because send all proof this account is no verify dont send me proof your investigation damage too much my reputation and need your fixed incorrect information of my credit report
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted Experian by mail to let them know that the XXXX account is reporting incorrectly on the credit report they will not update my account correctly everything on the account is incorrect thats why Im sending you the information so you can investigate on my behalf
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had been looking for a new laptop because of school, and since I didnt have enough to buy a new laptop I went online to look for a used one. In the ending of XXXX I came across a XXXX XXXX. This seller told me that they got two from a scholarship and that they could sell me one, so I asked if I could negotiate the price. Eventually, I got the price to {$300.00}. This may not seem like a lot but for me it is! He/She told me too use XXXX. I thought okay this is backed up by my bank, so Ill be safe even if something happens. I made the transaction and then the scammer says that they are on their way to ship my laptop out. Ive been waiting weeks and I have NOTHING! The scammer blocked my number and I found out that it was a fake number too! So my question is, if this is so safe then why is it so easy to make an account? There should be protection just Incase anything goes wrong. I understand this couldve been avoided if I wasnt being so cheap, but what can I do now? I have no money, I tried calling my bank they left me on hold for hours. I was told to make a police report, seriously so Wells Fargo cant help with anything??? I am very upset because I thought Wells Fargo would have my back with something like this but I guess not.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

The Federal Trade Commission has referred this case back to CFPB. 
Please assist to get this merchant to remove the remark. 
XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT On or about XX/XX/XXXX, US Bank accessed by credit report without my authorization. US Bank sent a credit card unauthorized that I destroyed. Contacted credit reporting agency XXXX XXXX and US Bank XX/XX/XXXX by mail to remove the hard inquiry. No response to clear my credit reports XXXX XXXX nor XXXX and XXXX of the hard inquiry from my reports. 

ATTACHMENTS XXXX Inquiry.PDF ( XXXX KB ) View full complaint Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call. 


ADDITIONAL TOOLS AND RESOURCES Credit Reports and Scores
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/XXXX I made a {$1700.00} payment to RentDebt to remove a collection off my credit report. Before I made the payment I was told I would get a deletion letter. After the payment was made I received a XXXX  balance letter through email. After a couple weeks I called to check the status on the deletion letter and was told that they only provide a XXXX balance letter. I called RentDebt back on XX/XX/20 to follow up because I was informed that this company does provide deletion letters. The deletion letter that was promise at the time of payment I was told again by an agent that RentDebt only gives the XXXX balance letter.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

in XX/XX/XXXX i started a contract for credit auto financing with the company " START AUTO FINANCING " located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX the purchase price was around {$22000.00} i had a downpayment of around {$4000.00} to be accepted for the loan which is illegal and violates the United states code { 15 u.s. code 1662 }. there was an accident with my vehicle on XX/XX/XXXX by XX/XX/XXXX a check was written for {$10000.00} payable to START AUTO FINANCE A gap payment was paid for the remaining balance. now this company is reporting on my credit profile that i owe them a balance of {$2400.00} and has it reported as a charge off .. charge offs are reported as income and income can not be reported on my credit report, which violates { 15 u.s. code 1681 } i requested a 1099 c form and was denied in writing via email.i requested this account be corrected and or deleted to no avail. this company is willfully violating several consumer codes 16 CFR 433.2 12 CFR 1026.23 15 USC 1662 15 USC 1681 i am seeking all remedies which fall under laws and codes thank you XXXX bless
Consumer complaint received 2016-04-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

This is concerning the property located at XXXX XXXX XXXX, XXXX, TX XXXX. The property has been vacant for more than 18 months and is having a negative affect on the surrounding properties and the XXXX finances. We believe the mortgage company is delaying their foreclosure in an effort to take responsibility for the property including maintenance and paying HOA dues. We are also concerned that this obviously vacant house is becoming a location for elicit activities causing great concerns to neighbors.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their comoany has on file that was used to verify the accounts I disputed. Being that they have gone [ ast the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verifed '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MO)

I took XXXX to care for my daughter who had an unexpected medical emergency. I was of work for 3 weeks and food not have enough money to make my bills. I contacted flagstar looking for options so that I would not be late on my mortgage payment. My payment is due on the first of the month and I contacted them before my payment was due. I was told to go through loss mitigation which I then contacted. They said that they would send out a packet. The next day I started receiving phone calls from Flagstar staying that I was in default on my loan. I answered XXXX of these and the man on the phone said " oh, we already talked to you '' and hung up. I received the packet in the mail with a list of things that I needed to submit. In the meantime I continued getting phone calls from Flagstar. I called them on the XXXX and asked them to write calling me several times s day. The lady was extremely ruderude. I tried to explain that I always made my payment before the XXXX of the month ( whenever my paycheck cleared ) but since I contacted Flagstar before my payment was even due, that they had been harassing me with phone calls of " this is an attempt to collect a debt ''. I feel like I reached out tob then for assistance and within 12 hours of my phone call, I started getting debt collection phone calls. I made my payment today, but at the cost of my daughter 's treatment since I ca n't afford XXXX. I 've been iny home 13 years..in fact, I built it .... This is ridiculous way to treat a customer.
Consumer complaint received 2019-04-21
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: Experian Information Solutions Inc. (MO)

I have sent XXXX/XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX/XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed this account online through the credit bureaus to have it removed. Account shows as closed but this account shows delinquent payment for XX/XX/2012. Account should be removed from credit bureaus.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge. 

At this point I am NOT requesting for verification, I am demanding a Total Deletion.
Consumer complaint received 2018-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Ive tried contacting Transunion to remove an old utility bill XXXX from XX/XX/2010 that does not supposed to appear after 7 years & they refuse to remove it.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting the wrong birthdate on my report now. 
I was not born in XX/XX/XXXX. I was born in XX/XX/XXXX. TransUnion is still reporting my address wrong as well. My address is ( XXXX XXXX XXXX ) -NOT- ( XXXX XXXX XXXX ). I believe they are intentionally making these changes to my report on purpose because of my disputes to cause me financial harm and distress. 
I have disputed items on my report in the past and i have always provided my id and SScard. Why all of a sudden after i dispute items on my report my birth date changes and my address. Again how can you do a PROPER INVESTIGATION if the information you are reporting is WRONG. 
( XX/XX/XXXX ) is my birthdate. 
So if they claim to be doing investigations into my disputes how can they find any of them to be mines if TRANSUNION does not even have my BIRTHDATE correct. 
So this means all of there investigatios are fraudulent and they have not done any proper investigations at my request. 
NOW I ASK AGAIN THAT THEY REMOVE ALL OF THESE INQUIRYS FROM MY REPORT, CAUSE NOW I HAVE LEGAL GROUNDS TO FILE A LAWSUITE. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX PLEASE DO NOT TRY ANYMORE STALL TACTICS AND SEND ME ANY LETTERS ASKING FOR MY ID BECAUSE MY ( NY STATE ID ) IS INCLUDED WITH THIS LETTER AS WELL AS MY SS CARD.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

On XXXX/XXXX/15, I submitted a complaint letter to XXXX Bank concerning incorrect information provided by Equifax as my credit data for consideration of a credit card offered by XXXX. On XXXX/XXXX/15, I sent a letter to Equifax concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both XXXX and Equifax. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ). 

Thank you.