davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and XXXX XXXX.
Consumer complaint received 2021-11-17
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. (FL)

I have reached out to XXXX XXXX XXXX via email on several occasions to discuss the erroneous reporting of inaccuracy on my credit profile that has caused my credit report to suffer 25 points. The bureau ( Experian ) did an investigation and XXXX XXXX XXXX has verified and certified that on XX/XX/2021, my account was included in a bankruptcy. I am requesting XXXX XXXX XXXX to show me proof on where they have obtained this information. This is a complete violation of the FCRA. I will be contacting the XXXX  and showing them the erroneous information that you have reported on my credit profile and you're continuing to LIE by saying its valid and accurate. Why is the account showing a balance? Why was the last reporting of a negative remark made on the credit report in XX/XX/2021? I will be suing you and the credit bureaus.
Consumer complaint received 2023-11-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (NC)

AmSher - Debt Collection XXXX/Charter - Original Biller I disputed the debt and filled out their dispute form on XXXX XXXX. I received no response from my filing and was contacted again onXX/XX/XXXX from a representative telling me I needed to pay the debt. When I asked about the outcome of my dispute, the man became irate and would not tell me the outcome. He put me on hold and ended up hanging up on me. I emailed the manager and asked for that individual to not call me again. I never heard back from that group but the debt has since been transferred to another agency ( Im still disputing ).
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the second time  XXXX   XXXX   XXXX  is reporting I have delinquent payments on this account. I have my bank statements showing that I have paid this account every month that the company is reporting I did n't pay the account. I have attached my statements with the dates and transactions circled to show payments.
Consumer complaint received 2020-02-15
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. (VA)

TransUnion has failed to do a proper investigation regarding this fraudulent account that appears on my credit report. I have made TransUnion aware of this alleged medical debt that does not belong to me numberous times. They continue to update my credit report stating that this account meets " FCRA requirements '' in an attempt to pretend like they are doing an investigation when all they are doing is updating the date and relying on the collection agencies false reporting. They are solely relying on the original source ( XXXX XXXX XXXX ) as verification that this account belongs to me. The address attached to this account is an address that does not belong to me ( see Attachments ) On XX/XX/2020 I filed a lawsuit against XXXX XXXX and XXXX XXXX XXXX. However Transunion has a duty to conduct a real investigation outside of the original source. As a result of TransUnions Failure to conduct a real investigation, They have defamed my character by reporting an account that is not mine.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I attempted to file a dispute with ARS Resolutions on  XXXX   XXXX ,  XXXX  based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on  XXXX   XXXX . This is not validation. I submitted a letter to all  XXXX  bureaus showing the debt was paid as of  XXXX   XXXX   XXXX  but this company refuses to acknowledge the payment. I called  ARS  on  XXXX   XXXX  and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights.     I am requesting this debt be removed immediately as I do not owe it.
Consumer complaint received 2021-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

The student loan company NAVIENT calls my phone at least 6-8 times a day. I have already spoken with them on multiple occasions about this particular loan. They will NOT STOP calling and harrassing me! I have heard that there are many other people experiencing the same issue -- if I block their phone 3 that they are calling from, they just use a different #. They do not leave a voicemail, instead they continue to call every hour ON THE HOUR!!
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I paid the original debt owed to the doctors office. The doctor agreed to credit the miss appointment fees and said they would take {$980.00} to cover all the charges I contacted the collections company three times and they stated they would investigate the changes. The supervisor 's name I believe was XXXX and she never would contact me even though I left several messages
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This is causing me to fall behind on my home buying process which is why I have been trying to get this resolved ASAP.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-11-17
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. (TX)

I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX  Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Consumer complaint received 2020-02-16
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: WAKEFIELD & ASSOCIATES, INC. (SC)

On XX/XX/2019 I sent a 3rd party debt validation letter to WAKEFIELD & ASSOCIATES requesting any contractual agreement between me and their agency and to this date NO proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$730.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), WAKEFIELD & ASSOCIATES has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit report as pursuant to 15 U.S.C section 1681b.
Consumer complaint received 2019-06-18
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. (UT)

XXXX  XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Consumer complaint received 2020-02-16
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. ()

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 

1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX   XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXXXXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXXXXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 )  XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I took a cash advance from Capital One on XX/XX/2020 in the amount of {$200.00} at an interest rate of 26.74 %, understanding that there were different fees and interest terms applicable to the advance than to that of my typical card transactions. Specifically, that there was an upfront fee of {$10.00} and that there was no grace period in which you could pay off the amount of the advance to avoid interest charges, as the interest charges begin the moment you take the advance and are applied daily. 

On XX/XX/2020 I made several other credit card payments using my Capital One card. 

Also on XX/XX/2020, after receiving my Capital One statement in the mail, I called Capital One to confirm that the charges and interest I incurred were in fact on behalf of the cash advance and to pay it off in order to avoid further interest charges and fees. 

I got through to a customer service representative named XXXX whose Employee ID is XXXX. She explained to me that in order to pay off my cash advance, whose fees and interest are applied differently than the other transactions on my card, and was accruing interest daily with no grace period in which I could pay to avoid interest, Id have to pay off the cards balance in full, including the new charges I made earlier that day. 

Additionally, I was told the new charges I made that day would not post on my account until at least the following day, so even if I paid the cash advance total, the fees, and the daily interest that had all already posted on my account, Capital One would not cease to collect interest on the cash advance. 

They would not cease to collect interest on the cash advance until the card balance was paid in full, and I could not pay the card balance in full even if I wanted to, because I could not pay charges that hadnt posted yet. 

She then escalated the call to a senior supervisor whose name was XXXX and Employee ID was XXXX. I asked her if I could pay the cash advance and associated interest and fees off separately to settle that debt. She told me no, and that even though the transactions have differing fees and interest application rules, that once the charge was on the card with other transactions she could not apply payment to the specific transaction. 

The call was then ended with no resolution, and I was told the only way to pay off the cash advance was to wait until all my transactions posted, incur more daily interest charges, and then pay the card off in full.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

Years ago I had  XXXX . After a year of up and down service, we went the  last 6 weeks  with no service at all. At  one time they even stated that they did n't show us having service. I canceled and went with another p rovider. I returned all equipment as required. They sent a bill for service we did not receive. After numerous calls to  XXXX , I finally got a lady who said she saw were the issue was and would take care of it. Next thing I know it 's placed with a collection company. I proved my case to them and they removed it form my credit report, then  XXXX  sent it to another collection company, I proved my case to them, then it was sent to  a 3rd collatio n company! Attached pictures show how  XXXX  installed our service.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

I paid my XXXX mortgage with Bayview Loan Servicing LLC. I have a confirmation number for my payment, and my payment came out of my bank account. My agent said that a mistake had been made and that my account had been sent to foreclosure, but he took my payment anyway. He assured me, though, that he would contact his supervisor and have the process halted. This morning a woman and knocked on my door saying she represented a third-party and that my home was in foreclosure and she was doing an occupancy check. I contacted XXXX XXXX. XXXX said that Bayview is in the business of foreclosing on homes. I want to be placed with a more reputable mortgage company. You can not even get a person on the line when you called their numbers. One of their list of numbers is for a cruise company.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I was a victim of identity theft. During the course of this fraud, several bank accounts and credit card accounts were compromised. 

On XX/XX/2020, I received a fraud alert that someone was attempting to use an account number under my name with Citicards to make a foreign cash withdrawal in XXXX. I immediately ( within seconds of the fraud alert ) called Citicards and informed them of the fraud, and instructed them to reverse the charge. They assured me it would be reversed, and that a new card would be issued. 

On XX/XX/2020 I received the new card account and saw that a charge for {$500.00} was authorized and an associated {$25.00} fee was added to my account. A statement was issued and a demand for {$520.00} was made from Citicards to me. I once again contacted customer service, and was told within 3 business days this would be reversed : XXXX : Citi has gone ahead and taken care this for you!! 
XXXX : Be rest assured Citi is there for you and wont be satisfied until you are You : When will I see the {$500.00} charge removed and the {$25.00} transaction fee removed? 
XXXX : you can see once you receive the new card and there will be no transaction posted on the account!! you can surely save this chat as a proof and the account will be good to go. 

On XX/XX/2020, I checked the account and it was still showing a {$520.00} amount due. I contacted Citicards customer service and was told I needed to contact the fraud department. 

Both a fraud department representative from Citicards and a supervisor in the department told me that I would be required to pay the full amount and all associated fees. 

I believe this is potentially a violation of not only Citicards own terms and services, but of state and federal law. 

I asked them to issue a provisional credit immediately ( {$520.00} XXXX for the fraudulent charge, pending final review, and they said that it would not be possible and I needed to pay the full amount or have it go on my credit report as a late fee.
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have tried to reach this company ( National Credit Systems ) concerning a debt on my credit report. There is no address or phone number to reach this company. Please remove the amount of {$500.00} from my credit report. This debt was over seven years ago which is past the statute of limitations. The company has changed the dates to make it look as if the debt is current to collect on. Thank You
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ).

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.
Consumer complaint received 2020-02-15
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: LEXISNEXIS (MI)

I look at my LexisNexis report on XX/XX/XXXX and noticed inaccurate possible fraud.Under Insurance Policy records for automobile it shows I owned vehicles I never owned. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know the XXXX  XXXX  XXXX  was owned by my ex-wife XXXX XXXXWe have been divorced since XXXX ... ... case number XXXX XXXX county Michigan.Why is that on my LexisNexis report? Was there any fraud? I never owned this vehicle Also it shows under insurance a XXXX XXXX under additional names.XXXX  XXXX is XXXX XXXX ( exwife ) nephew.Why is he on my LexisNexis report.XXXX  XXXX is currently XXXX XXXX in a Michigan XXXX. 
Me and XXXX XXXX were only married a few years