davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

Equifax changed my address on my credit report and I am not sure why. I filed four disputes to fix it and they continue to get it wrong! I spoke with a supervisor today, XXXX XXXX, 2017 and she asked me if I submitted documentation. I told her that I submitted a copy of my drivers license twice, yet they continue to get my address wrong. I also explained to her that DMV has my zip code incorrect on my license. She proceeded to tell me that she had to go by what was on my license. I told her that I want my address to reflect what it has been for the last 8 years since I purchased my home because my address has not changed. I asked her to go by the address that has been on my credit report for years. I am very frustrated because I would not have to go thru all of this if they did not change my address in the first place. I am just trying to get it back to what it is was and is supposed to be. Well the supervisor told me that she had to use my zip code on my license so I asked to speak to her supervisor or someone higher than her. She transferred me to another supervisor instead. Her name is XXXX, ID number XXXX. I asked XXXX if she was the previous supervisors supervisor, or if she was just another supervisor like the previous rep. She told me she was a supervisor just like the previous one. After going back and forth with XXXX, she proceeded to tell me that they have a XXXX XXXX address for me as my current address. I told her I have not lived there in 20 years and that she was incorrect. I told her that was probably showing because the previous rep deleted my current address when she was in the process of changing it until I asked to speak to her supervisor. She tried to tell me that one of my creditors updated my address to that and I told her she was wrong. None of my creditors ever even had that address because it was from so long ago. My creditors are recent creditors. She tried to argue back and forth with me regarding this. I explained to her that even my dispute letters have my current address on them but with some wrong information so they did not have XXXX XXXX as a current address, otherwise that would be on my dispute letters. She proceeded to update my address to my current address but with the incorrect zip code. I have copies of all of the disputes. It is disgusting that a company operates like this when they are charge of something so important as consumer credit reports. What else do they have wrong? Everyone that I spoke with had a strong accent and were difficult to understand at times. It seems like this company is operating out of a foreign country.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

I am not able to log into my account since XX/XX/21. Their site is down. I attempt to call them instead but their Customer Services are always busy and I am not able to get it through. They are playing game and holding up my fund. I would ask them to call me to get this problem resolved, there is no way I can get hold of them. I believe they did it on purpose
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (NV)

XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff CONSUMER PORTFOLIO SVC XXXX**** Balance Owed : {$17000.00} Chargeoff XXXX  XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TN)

I submitted a complaint about money being randomly being debited from my account to the office of the comptroller of currency and received a letter date XXXX that it was turned over to you for assistance. To date I have not heard anything from your agency. Since then, today XXXX I was notified that my account was debited for XXXX and I have left the house nor have I made any online charges. This is the third unauthorized debit from my account. The letter from Direct Express is attached as well as one from office of the comptroller of currency
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$12000.00}
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NV)

XXXX XXXX XXXX**** Balance Owed : {$460.00} Chargeoff XXXX/XXXX XXXX**** Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX XXXX**** Balance Owed : {$17000.00} Chargeoff CREDITACPT XXXX**** Balance Owed : {$18000.00} Chargeoff XXXX  XXXX XXXX XXXX**** Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX**** Balance Owed : {$700.00} Collection Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (OH)

I am disputing the reporting debt on my Credit Report. This bill was paid in full and equipment returned to XXXX XXXX all before my ( 15 day cycle ) was complete. I should have received a refund due to me ending my service earlier.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}
Consumer complaint received 2018-04-03
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: TD BANK US HOLDING COMPANY (SC)

I have applied for 2  Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

The end of XXXX start XX/XX/XXXX I called CONNS to get the number to settle, so I can pay off my account. They told me they no longer had the account and XXXX XXXX had my account. I contacted XXXX XXXX and they gave me detailed information about my account but said they no longer had my account but they will sent it to a supervisor see if they can take the payment. No one called me back, so I called again and they gave me the same information and told me someone will call me back and again no one followed up with me. I called once again and they told me conns has it. So, I contacted conns ans conns put in a ticket and said someone will call me. They called me and said they can not help me and XXXX XXXX has my account I would need to talk to them. I explained the situation that XXXX XXXX told me and they said they couldnt do anything even though they are the original creditor. On my credit report it shows CONNS reporting as the collection agency and the number on my credit report is no longer in service. Just trying to pay off my debt so I can build my credit and buy a home.
Consumer complaint received 2023-01-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

As a long time customer with Discover since XX/XX/XXXX, my account was closed on XX/XX/XXXX. I was told the reason was due to multiple lost/stolen credit cards, but I haven't requested one in a long time. This just seems like a made up excuse to refuse payment on the rewards I have accumulated.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AL)

Citi bank 's terms and agreement state this contract is governed by federal laws. Therefore, I ask that they honor the duration of their understanding and apply the federal that fit my situation. Under 18 USC 894, this is a collection of credit. They are not supposed to collect on an extension of credit. Under federal law I was supposed to receive a clear and conspicuous meaning of the terms and conditions of this agreement which I have not received. I wasn't told my rights under federal law about this agreement. Many elements were hidden in this contract. if they choose not to honor their terms, I demand all my payments back, and they report paid on all cras
Consumer complaint received 2021-11-03
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. (NJ)

I have received a hard inquiry after applying for a credit card with XXXX on XX/XX/2020. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through XXXX XXXX. XXXX XXXX claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUOFF MORTGAGE (MI)

In XX/XX/XXXX Ruoff Mortgage company denied my conventional loan which forced me to get an FHA loan. The reasoning they gave me for denying the conventional loan was a Sheriff sale on a previous home in my name. This is false. I have made many requests to obtain the information used to deny my loan from Ruoff Mortgage Co. so I can persue corrective action. Ruoff Mortgage Co. Refuses to send me any information they used to deny my loan. The FHA mortgage cost me a considerable amount of extra costs and monthly fees. 
I closed on the FHA loan on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I attempted to make the first years interest payment to Ruoff Mortgage Co over the phone and they refused to accept the payment stating that " it will make it impossible to sell your loan if the buyer sees that you want to make large payments. ''
Consumer complaint received 2018-07-05
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: EQUIFAX, INC. (MO)

I have 3 accounts on my credit report inwhich are not mines, nor do I know who added me to them. I'm asking that this accounts be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX  has Violated my Rights! 15 U.S.C. 1681 Section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A. section 2. It also states a consumer credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (TX)

I called this company about the amount they say I owed and to try and settle after they say I owed a lady said that threatened me saying they was gon na see me and take legal action if I didnt pay within XXXX day
Consumer complaint received 2018-07-13
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX regarding a debt they purchased from XXXX XXXX. I agreed to their terms, and began payments to them directly. My car is on its last leg, so I reached out to Portfolio Recovery to see if I could satisfy the dept early and upon doing so, have it removed from my credit. The associate assured me that yes, upon full payment, it would be removed. On XX/XX/XXXX I received a letter that my payoff was received. I recently applied for a car loan, and my application was denied. I use XXXX to monitor my credit, and discovered the collection account is still on my credit report, just as paid and closed. I reached out to XXXX and they suggested I contact Portfolio Recovery directly to request it being removed. I was advised that Portfolio Recovery does have the ability to remove a closed and paid account, however they are not in practice to do so, therefore, it will show on my report until XX/XX/XXXX. I understand they are under no obligation to remove this, I just wish they would have been honest from the beginning. Now, they are paid and this has ruined my credit.
Consumer complaint received 2023-01-27
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. (CA)

in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX Trans Union has Violated my Rights! 15 U.S.C. 1681 Section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A. section 2. It also states a consumer credit reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Stating I have a debt I tried to validate debt have not received anything. 
Spoke with representative and they wont tell me what the itemized bill I have disputed the debt several times through XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

This is a follow up to complaint XXXX - PlusFour ( which they incorrectly closed ) and XXXX - XXXX XXXX which is still open. Both parties finally provided me information regarding the basis for their claim. It is now however obvious that this is a medical billing error on the part of XXXX XXXX. I have send a certified letter ( my third ) to both XXXX and XXXX XXXX showing that ( 1 ) I had continuous health insurance coverage in XXXX and ( 2 ) they incorrectly billed the wrong XXXX XXXX . I also demanded for the second time via certified letter that that PlusFour and XXXX XXXX IMMEDIATELY REMOVE the incorrect MAJOR DEROGATORY with all credit agencies that they have put on my credit history! Additionally, I suggest that they rebill as the services XXXX XXXX provided ( i.e., my annual female check up exam ) are covered by my insurance and if they had billed correctly I would not be dealing with this issue I am uploading the most recent certified letter where I have now documented ( from their records! ) they have a billing error and that I had insurance coverage during this period of time. This is my third certified letter and one phone call that I have had to invest time in order to identify they have a billing error. I am not uploading the attachments to my last certified letter of XX/XX/XXXX as the file is too large. I am uploading only the cover letter. At the end of the second page of the cover letter I have included the time line of my efforts to identify and correct this issue.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IA)

LVNV Funding LLC, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Consumer complaint received 2018-04-03
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. (CT)

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed..

This 30 day late and all comments on my credit reports for XXXX XXXX needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Consumer complaint received 2021-02-23
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 (OH)

On XX/XX/XXXX a fraudulent purchase was made on my Discover credit card on my XXXX, I made a dispute with XXXX they stated they could not help me. I waited until XXXX of XXXX to try with Discover. They told me since I payed on my account and did not report fraud immediately they could not determine it was fraud.