davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 
On XX/XX/2024, I obtained a copy of my credit report from Equifax and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX There is NO SUCH code mentioned in the XXXX manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX XXXX XXXX  : Being that this company has not and can not provide evidence of license to practice debt collection in any of the XXXX states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the XXXX states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.

I am also demanding the removal of ALL ADDRESSES on the account as I do not have an address, I have a domicile.

The addresses to be removed are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 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 The removal of ALL hard inquires also need to be removed as I never gave explicit consent for these to be reported to my account and they are not associate to myself or my person in any manner.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 

The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as the law requires!
Consumer complaint received 2018-09-08
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. (TX)

About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my  wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I had previously complained about the XXXX XXXX credit card with Complaint Id XXXX. That was resolved by XXXX XXXX. After that resolution I had requested XXXX 's customer department to close my credit card and asked if there was any balance and I was told that there was no balance pending. The customer service rep assured me that my credit card account will be closed and this happened sometime in XXXX. But few weeks after that sometime in XX/XX/2018 I received a statement that some amount was pending with the late charge. I called customer care and explained them about my earlier conversation but they were not willing to understand the situation. I told them I am ready to pay the balance but not the late fees but they refused. With XXXX kids to manage there are so many things to follow-up in life. I have many other credit cards and I have never faced any difficulties with them and my credit rating is very good. I want to close my credit card account with XXXX XXXX and pay the amount I owe. But I don't want to pay the late fees and interest charges. As per the statement from XXXX 's the purchase made was for {$27.00} and the fees and interest is {$240.00}. My account number is XXXX. Also upon payment of {$27.00} I want an email confirmation that my account has been closed. 


Kindly help me.
Consumer complaint received 2018-09-08
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: DISCOVER BANK (CA)

Date Purchased - XX/XX/2018. 
Amount- {$570.00} I was scammed by XXXX XXXX, not only was the essay completely wrong, but it was given to me AFTER the due date of the assignment. This completely defeats the purpose of this 'service '. I also told them to cancel the order multiple times in advance and I assumed they stopped all work on it yet they continued all work on it. This is totally unfair and I'm the victim here. One look at their reviews online and you could see that as well. Besides the fake reviews they've planted online, there are many XXXX threads of people who've been scammed. I attached the emails and it should be so obvious that I was the victim just by going over them. Also, when sending the invoice i was promised a delivery by XXXX XXXX on XX/XX/2018. It was delivered after this deadline and was also incorrect. If nothing else, at least see that they violated the billing info contract. 
The merchant did not allow me to refund. I requested a refund multiple times well before the deadline. They gave me blanket responses such as " We'll escalate your concern to one of our admins who has the authority to issue a refund and will get back to you as soon '' when I told them to cancel and refund all work. They kept working without telling me. In addition to this they promised me that " The paper will be done and delivered by your deadline. " which is again false. As you may know, long projects have deadlines. They failed to meet this and also provided sub par work that I DID NOT EVEN USE. That's why this is an invalid purchase. I don't know what else I can provide but I'm struggling to find a reason as to why no one can see that I got scammed. 
Discover and XXXX both were useless, talking about how the charge is valid. Well of course it's authorized by me, but it was not what I ordered nor did it come on time. How is it valid in that regard? Posting on CFPB is my last resort and I can only pray for the best.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ).  This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX  determined the amount I could afford each month and that is how much I pay. I should not be penalized for  making timely payments that they established.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (OH)

i am having a problem with getting discover card unsecured i have had it secured since XX/XX/XXXX and they said would start reviewing my account automatically the XXXX of every month since XX/XX/XXXX i have paid all my bills on time every month with discover and all my bills on time every time i call them they tell me same automatic review thing. i put down a XXXX deposit and want to be unsecured on this card. they were very rude and unprofessional to me for asking and i didnt appreciate it discover talked to me like i was stupid for asking
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Reference : XXXX My friend and I wanted to move into an apartment. We called up the XXXX at XXXX at XXXX XXXX and were told that we could fill out an application that would cost us XXXX $ each. My friend and I filled out our applications and paid the fee, which can be proven by submitting our bank statement. No apartments were available but we were shown XXXX that had recently been vacated and would be available, after cleaning and repairs, at the end of the month. We were told that we would not be getting the apartment, we were just shown the apartment so we could see what the layout was. The XXXX told us that we would be contacted if something became available, in the meantime our application would be processed. At no time were any other fees mentioned, nor was any paperwork given stating that any other fees, except for the already paid application fee, were due. We were turned down because of my friend 's credit report. 
I received a notice from National Credit Systems in XXXX stating that I owed XXXX at XXXX XXXX {$240.00}. The letter did not state why I owed money. When I attempted to contact XXXX at XXXX XXXX, the number we had for the XXXX was disconnected. 
I am therefore disputing this bill as I have no idea what the charges are for, and certainly know that, other than the XXXX $ application fee, I am not responsible for any fees. 
Thank you for your kind attention to this matter, XXXX XXXX
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is a child support collection account in my credit reports that should not be there. Its showing I owe XXXX XXXX XXXX XXXX XXXX {$350.00}. I askes fir validation and verification from human services as well as all the credit bureaus. I called human services and they could not tell me why my child support is behind. Support has been coming directly from my check every pay period.
Consumer complaint received 2019-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Thursday XXXX I had to made yet another phone call to Capital One to highlight that a credit card transaction deemed to be investigated as fraudulent by Capital One was still charged to my credit card account ( only {$13.00} ) ; this dispute regarding this unrecognized transaction has taken several phone calls and e-mails over the last six months. Supposedly I hadn't provided sufficient evidence to dispute this transaction until I called in ( several phone calls ) to have their customer service representative look into the evidence I had sent in through their document upload system ; apparently this evidence wasn't acknowledged by Capital One until I called in to complain about this inconsistent service. I do not understand how Capital One would advise that an unrecognized transaction should be investigated as fraudulent and the credit card used in conjunction with this transaction should be replaced with a new credit card account number but, at the same time, the customer must be put through several long phone calls not to be billed for a transaction that is being investigated as fraudulent by Capital One. 
Please find attached as PDF the chat with XXXX I had sent to Capital One months ago regarding this fraudulent transaction.
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.
Consumer complaint received 2024-03-05
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. (SC)

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 attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-09-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had to chose something for " What describes your problem '', to move forward.That is not my problem.Select portfolio is at it again. Yesterday I was contacted by one of their debt collectors looking for payment. I advised the person that I had submitted ALL the documentation needed ( required ) to " ask for some help '' ( deferment ). I was laid off XX/XX/XXXX. This debt collector was unprepared for this ( they just called to collect ). After 5 minutes I got very irate as the person started saying things that weren't correct. I faxed everything I was told as needed for help on the XX/XX/XXXX. My bank statements, the acceptance letter, a quit claim deed ( showing my wife transferred ownership to me ), proof of residency and the 4506 t. First I was told SPS had received only 2 documents? It goes downhill from there. The debt collector did find all the documents but that's not my complaint. The person ; after making many miss statements, told me that my last correspondence with SPS was on XX/XX/XXXX. The person I spoke to on XX/XX/XXXX asked me if I " wanted to discuss the documents needed '' and I said NO. Not true. This debt collector then recanted and said I was told by so and so what documents to send. The debt collector confirmed the documents were received the next day. Now I'm told I need to resend additional documents ; " one not mentioned to me in the past '' ( copy of my XX/XX/XXXX tax extension ). I alerted this person that in a past phone call I alerted SPS I had filed an extension. I was told by a prior debt collector, '' no problem just send the XX/XX/XXXX''. Why does the XX/XX/XXXX and XX/XX/XXXX returns even matter? I'm asking for help because of unemployment now. Prior tax information is not relevant At the end it got funny. This debt collector said Oh well I called you because you wanted help. I said NO you called me to collect payment. Enough said? The same XXXX still goes on. I provided overwhelming proof of my current situation but SPS is intent on hassling people. Ironically the day before I received a letter from SPS as why they couldn't move forward. I needed additional documents. Nothing about needing the XX/XX/XXXX extension.You would think from XX/XX/XXXX until yesterday XX/XX/XXXX : ONE someone could have called me and TWO the process would still " would have been held up '' as the letter I received did not ask for the XX/XX/XXXX tax extension info...
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (CO)

The Account for Child support was placed in collections in the year XX/XX/XXXX, I have filed multiple disputes and sent letters to Experian and the accounts continued to reage, Now it's showing on the reports as closed but negative with late payments, Therefore this account should have been removed no later than XX/XX/XXXX but is still being reported.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

This company calls constantly! They are trying to reach XXXX XXXX who divorced from the XXXX Family more than 20 years ago. She has our number listed on a number of bad transactions. XXXX remarried several years ago, but we don't know her last name. She lives in XXXX, NV. We would like all these harassing calls to stop! The XXXX debt collectors were extremely rude and aggressive. Since they are calling about something that is not even our business, we would like to lodge a complaint against them.