davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX account with account # XXXX This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are 0 late payments being reported. Furthermore, upon reviewing my credit report, I noticed that the number of months ( terms ) is listed as 0, which is inaccurate information. Additionally, the last report date is inconsistent between Equifax, reporting XX/XX/XXXX, and XXXX, reporting XX/XX/XXXX. Moreover, regarding the payment history of XX/XX/XXXX, XXXX states that the account is marked as rf, while Equifax indicated its ok. This inconsistency violates the FCRA and 15 U.S. Code 1681i. Therefore, I request the immediate removal of this account from my credit report. They are not following the law.

In Accordance to 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In accordance with the FCRA Law Fair Credit Reporting Act ( FCRA ) is a fundamental piece of legislation from 1970 that regulates both consumer reporting agencies and credit reports. It applies to information reported on individuals concerning their credit such as : information collected, used, or expected to be used to evaluate eligibility for credit, insurance, and employment ; assessment of risks and review of consumer accounts ; certain government licenses or benefits and determinations regarding child support ; any criminal history ; other business transactions involving a consumer in their role as consumer. 

The FCRA dictates how and when consumer reporting agencies may give consumer reports. Except for government entities and a few other exceptions, all entities seeking a consumer report must have that individuals consent before consumer reporting agencies may release such information. This includes banks, credit companies, employers, and insurers.

The Act also requires credit reporting agencies to show the consumer the information in their report. Consumer reporting agencies must provide a free credit report once every year, and they must alert the consumer if their information was used to deny eligibility for credit. Also, the consumer reporting agencies must keep the report up to date, including deleting information after set periods of time in the FCRA.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RC Willey (CA)

My account has been incorrectly billed against me and I have attempted to get this resolved. The matter was outsourced to XXXX XXXX XXXX  and advise them of the issue and trying to resolve this matter. The amount being billed was incorrect and should have been corrected. I am herby asking for correction to this matter due to the Fair Credit Reporting Act. They are attempting to steal from me by overcharging for the amount. XXXX XXXX XXXX was going to work this out and RC Willey has just requested the files back. The unethical behavior from them has caused problems as I will not agree to pay more for what I owe. When I spoke to the debt collector they advised me that they were working on a amount of XXXX and that I should get correspondence back. 
I have callled RC Willey and now they are demanding more. I herby challenge and request that all charges and payments be provided along with the merchant to stop harassing me with improper amounts being requested. 
The XXXX was pending a letter to be sent and now RC willey wants to change what was going to resolve this matter.
Consumer complaint received 2019-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (FL)

On XXXX the XXXX I sold a property with my other two siblings. The XXXX XXXX received a report that I owe two credit cards from XXXX. They held the funds in Escrow but they gave me a full month to fix the problem. LaVrar a Collection Agency had both credit cards for collection but one of the credit card debt was closed. So I called XXXX and they told me I owed {$3200.00}. In the meantime The XXXX XXXX paid the first credit card that was open but then is when the trouble started because The Title Company asked LaVrar the Collection Agency if they had the other credit card debt. LaVrar responded they had it but IT WAS CLOSED. The XXXX XXXX gave them inside info that the debt was still open so LaVrar called XXXX and got the account open back again. I called XXXX ready to pay but they told me to call LaVrar. So now I am stuck with LaVrar which is demanding I pay {$6600.00} The XXXX XXXX ( XXXX ) did MALPRACTICE on me. Please notice that The Judgement amount on the open credit card debt was {$5700.00} but I paid {$7500.00} which is {$1800.00} or 32 % of The Judgement amount. But now ; on the second Judgement of {$3600.00} they want to charge me {$6600.00} which is {$2900.00} or 81 % above the Judgement amount. 81 % - 32 % is a 49 % difference. I will not deny I have insulted both ; XXXX XXXX at The XXXX XXXX   and Mr. XXXX at LaVrar. I wanted to file a lawsuit for malpractice but I was told it takes years and expenses and it is such an insignificant quantity of money that it is not worth it. I have asked Mr. XXXX to return the account to XXXX so I pay them what they asked the {$3600.00} but to no avail. XXXX is not writing to me anymore. He is just waiting for the escrow to be released for the amount he says.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information requested you are by law required to delete all entries off my credit report.
Consumer complaint received 2019-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX   XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 
Nelnet took over this loan from XXXX XXXX XXXX XXXX   for two accounts. XXXX XXXX XXXX XXXX is still reporting as a duplicate when it should of been consolidated with Nelnet credit file. I was also forgiven on these loans earlier this year due to that I am XXXX veteran.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.
Consumer complaint received 2021-04-15
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. (WA)

I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?
Consumer complaint received 2020-02-09
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. (SC)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (GA)

I make my mortgage payment every month on or about the same day every month. In 17 years I have never been not even a day late. USING THE SAME ACCOUNT TO PAY. The last three months bank says they can not identify the account or I have nsf funds available. I call my bank they say the payment was never submitted to them for payment .My Bank even asked for the federal reserve ID number so they could track the  payment. SunTrust w ould not give me that number. They are continuing to Insinuate that its something Im doing something wrong and I should pay a late fee They are harassing me with phone calls, letters saying I have not payed I have confirmation numbers for every payment! so every month I call and complain they try to make me pay a late fee I refuse they run the same acc number payment goes thru help
Consumer complaint received 2019-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

Amount XXXX on chase/amazon card. Attempted to purchase online from Amazon.com card was declined called number on back of card to find out why. Agent [ from XXXX ] said it was for non payment of the {$17000.00} and it had been turned over to collections XX/XX/2019. These charges were made from an online XXXX account my Amazon account is XXXX   XXXX .I also receive my bills thru the mail [ none received ] Ask agent for the amounts, items and address of purchase said they are not obligated to tell me that information. Did not purchase any thing and my account shows that as of XX/XX/2019. These charges are fraudulent and need to be removed from credit history. Amazon has been non compliant and down right rude. I will never buy from Amazon again ever!
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

I am making a formal complaint about Midland Credit Management. I found my collection account online, which I do not deny. I have tried to pay and/or settle online and Midland Credit would not allow me to do so and a box popped up advising me to call them to settle. I called them twice. Once on XX/XX/2021 and again on XX/XX/2021. In both phone calls, I was told that I could not settle the account online or on the phone. Midland Credit is not working with me to come to a settlement agreement either by paying down debt or paying less than the current amount due to obtain a closed status on my credit report. This has caused a delay in my home purchase. I am in process of obtaining a home loan. Midland Credit is unwilling to remove account or settle account so I would like this account to be removed from all three credit bureaus.
Consumer complaint received 2019-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (IL)

Repeated calls when answered they hang up. Company says they are unable to stop this harassment unless I provide them with personal information beyond my phone number. Hang up calls once every day or every other day. Frequently using alternating phone numbers making it difficult to track calls. Generally dishonest harassment tactics. Southwest Debt collection.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Contributor : BANK OF AMERICA when I was in hight school I had my identity stolen. It was used to do all type of fraudulent activities. I reported it awhile ago with my local police department but I can not open bank account because of this inaccurate information.
Consumer complaint received 2019-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I received someone else disclosure letters attached to mine and I think someone else has my information also.The documents has a lot of identifying information about me and my wife. I work for the federal government and have a top secret clearance I am worried that information that was compromised going put identification in jeopardy.
Consumer complaint received 2019-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (OR)

Equitable Acceptance Corporation charged me illegal upfront fees to perform document-preparation services consumers could do themselves through the U.S. Department of Education. 

The corporation advertised that they were a loan forgiveness program approved by the federal government ; that I would have to pay a certain percentage of my income for 10 years and the remainder of my student loans would be forgiven. 

On XX/XX/2016 I was telephoned by XXXX XXXX, Implementation Specialist. He said that I would pay a percentage of my income towards my loans and after ten years it would be forgiven. He then said there would be a fee collected for the loan forgiveness service. On the same day I was asked for proof of income. 

On the same day, XX/XX/2016, I signed the contract with Equitable Acceptance Corporation. 

On XX/XX/2016 my account with XXXX was opened. Since that time I have made XXXX payments of {$49.00} a month.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

Received a spam text on XX/XX/21 at XXXX stating " C I T I B A N K : ( # XXXX ) Acct locked due to suspected fraud Sign-In attempt. Confirm your details now at https : XXXX to restore access '' I don't have an account with CITIBANK and haven't for over a year. Additionally, that account was a government credit card.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Data Search NY, Inc. (NV)

This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX  and XXXX  ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice
Consumer complaint received 2019-10-19
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: Internal Check Systems, LLC (CA)

I do not owe XXXX XXXX there Stating I owe them {$1200.00} when I bought my phone out right and only had their service for one month
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX. XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$210.00} Money was withdrawn from my bank account without my authorization or participation, when this was brought to the attention of my bank, i was told that " I DID IT ''. and that there was nothing that they can do about it. i was prepared to give a polygraph exam to prove my innocence. I am retired and living on a fixed income. Also, I am a XXXX XXXX XXXX Veteran ( At the beginning of the XXXX XXXX XXXX ). How can you say to me THANKS YOU FOR YOUR SERVICE ( not only to my country, but also to my bank ). then show me such DIS-SERVICE NOT EVEN GIVEN THE THOUGHT OF MY INNOCENCE. The bank did not adequately consider the possibility of my innocence. Even though I had XXXX remove from my account, and requested new credit and debit cards, and changed my account password. And I filed a police report with the XXXXXXXX XXXX XXXX A thorough and complete analysis of this case is not only appropriate, but warranted, And that I should be compensated for my pain, suffering, stress, and for XXXX PROFILING, and violating my consumer protection rights using deceptive practices and ignored proper protocol. ( Their investigation team ).
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR XXXX XXXX XXXX HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS XXXX ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Consumer complaint received 2020-02-09
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-08-14
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. (CO)

XXXX XXXX XXXX XXXX  alleges XXXX XXXX did not pay XXXX and XXXX and instead is coming after me over the balance discrepency. As per the terms of our contract I do not owe either company any money. These two companies need to figure out the problem. I am not liable for payments XXXX XXXX XXXX deems were not paid by XXXX XXXX. XXXX, Equifax, and XXXX must correct the balances on my credit report.
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Focus Holding Company (IL)

This account is undoubtedly recorded as a charged off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicating on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: FORD MOTOR CREDIT CO. (TX)

i when to ford house in XXXX XXXX tx, was approve for the loan on an XXXX, then my salesperson said he do a bait and switch to a XXXX, i saw the XXXX  after signing all papers and informed i didnt like it also XXXX XXXX XXXX  said bad transmission on them. I did not tk delivery of vehicle and mail all papers bk to them.