davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (FL)

XX/XX/XXXX letter from collection agency name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, Amount due : {$470.00} XXXX XXXX, letter was sent to verify such claim, XXXX XXXX letter was received from XXXX XXXX XXXX to direct all communications to : Creditors, Bureaus Investment Group Portfolio No XXXX XXXX and XXXX Bank, XXXX XXXX. XXXX XXXX XXXX XXXX in the response were bills dated XX/XX/XXXX with the balance of {$200.00} with the late fee it adds to the amount of of {$470.00} dated XXXX was sent again for more verification of purchases date and name of store location and a copy of original bill with letterhead and my name on XXXX, response was received with the bill dated XX/XX/XXXX with the balance of XXXX as the original balance 1 month backward contrary from the previous bill date XX/XX/XXXX with amount of XXXX It was noted that in bill charges was added of {$79.00} and @ XXXX XXXX in the same date at XXXX ' XXXX XXXX to make it total amount of {$100.00} XXXX balance. I noticed Parts of the bill were erased with ink and address to may old address where I left years ago.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Flagstar Bank, National Association (FL)

Incident date- XX/XX/2019 Bank 's Name- XXXX XXXX XXXX XXXX Location- XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Employee 's Name- XXXX XXXX. I walked into the bank to open an account. A free checking account can be opened with {$1.00} at XXXX XXXX. XXXX gladly open the account. 
The problem is she told me that she wouldn't mail me a visa debit card until I deposited {$50.00}. She told me once I deposited {$50.00}, she would gladly send me a debit card. She asked me was I sure I still wanted to open. I said yes. She received my {$1.00} and opened the account. 
The next problem is when I got home, the same day. XXXX called to tell me she had closed out my account. I asked why. She couldn't give me a straight forth answer. She only told me don't make any transactions because she had mailed the {$1.00} back.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NV)

i have a checking and savings account with CITI bank. they kept advertising what great credit cards they have. i already have a mastercard and a XXXX  card, both with limits over {$10000.00}. i was told as soon as i got my card i could call and ask them to raise my limit, if wanted. i did so, and was denied. they gave me a {$1000.00} limit. and then i found out that was my limit until i paid off whatever i owed on my account. i was understanding that my limit would be from closing date to closing date. not true, probably because i've never had such a low limit. when i called i got a supervisor, off shore, who could not care less when i told her i would not be using my card after i reached my limit. i asked why they gave me such a low limit, but no explanation was given. my credit score is XXXX, so i really don't understand. i am ready to close all my accounts with CITI because of this treatment. i really feel i was totally deceived into applying for this card, as i didn't really need it, but promises were made that are not being kept.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (TX)

Debt validation sent to company certified and received by company XX/XX/2019 validation requested per Texas Finance Code. Company did not provide proper validation- as of XX/XX/2019. 

Informed company that they have failed to validate this debt and that Ive given them more than alloted time per Texas State Law to validate this dispute. 
Today I contacted the original creditor and paid the balance in full. The original company stated that since the balance has been paid in full and the collection agency failed to validate the date the account needed to be sent back to them and that they needed to delete the tradeline. 

As I was unable to obtain any information pertaining the debt from the collection agency or legality of the account I went to the original creditor. 

Spoke with several representatives today that kept trying to trying me to single dispute representative. That has been unavailable now for 3 days- XXXX XXXX . 
Ive also left messages for the manager XXXX XXXX with no response. 

This company has been still reporting this account even after failing to validate it per the Texas Finance Code. The 3 major credit bureaus have verified this account despite the collection agency verifying this debt properly to me. 

I have tried several times reaching out to this company while they have repeatedly given me the run around on an account that they have not legally validated and is paid. 

Amount paid in full to original creditor- {$120.00} XX/XX/19 Confirmation # XXXX I want this collection account REMOVED from my credit reports immediately for failure to validate debt properly within the time frame.
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

This collection Agency has been reporting wrong information for the past 2 years. This is the 4th collection XXXX XXXX has this account to for the {$240.00}. I want it removed my my reports.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kinum, Inc., Indianapolis, IN Branch (OH)

The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: SLM CORPORATION (NJ)

Hello, in XXXX till XXXX I took out student loans with XXXX XXXX. During COVID XXXX XXXX sold my loans to another provider, because they did not want to deal with the headaches of " government passes on loans ''. My loan was sold to XXXX. I remodified my loan with them. Removed the co-signer. DROPPED my interest from 12.75 % to 3 %. XXXX has not removed the false inform from my report. The accounts are over 7 years old they are private loans with a company that just lost a 2 billion dollar lawsuit for stealing from there customers. This is horrible. It should be removed from my report as soon as possible. I will provide the new modified agreement. Signed and executed, which states that XXXX XXXX loan was transferred to another leader and all the changes that were mad. As a young man in there 20's.. I need someone to help I feel so small dealing either these companies. I have obtained a lawyer and will sue XXXX and XXXX XXXX for destroying my report and character as a responsible person. Please help.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Nationwide Debt Management Solutions, LLC (LA)

Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived.
Consumer complaint received 2019-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

We Started this loan with XXXX XXXX, which was bought out by Springleaf, Then bought by One Main Finance. We were set up on automatic bank draft on a monthly basis withh all three companies. Due to the exorbitant interest rate, we asked that One Main start drafting {$600.00} per month, rather than the minimum payment. This was done without a problem until I received a letter stating I was past due and owed late charges. In XXXX, we received a letter stating that they would continue drafting the {$600.00} per month, but now they state we are late, and owe fees.
Consumer complaint received 2017-05-22
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: Innovis (CA)

On   XXXX   XXXX   , 2017, I w as referred to  XXXX   XXXX  company in  XXXX , Ca.   XXXX   XXXX   to get a pre-approval for a prospective property in   XXXX  County . Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on   XXXX   XXXX   , 2017,   instead. I emailed and faxed most of all documents to   XXXX   XXXX   in return email from   XXXX   XXXX   she asked if she could forward my bank 's statements to my realtor. With that email, I called   XXXX   XXXX  , I do not wish to move forward, something was not right.  Realtor  only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer af ter 36 hours  request to me, does not have a business to have personal financial sensitive information. After a phone conversation with  XXXX   XXXX , my husband and I decided not to move forward with loan and property. I advised  XXXX  Not to run my credit check, but she said she did anyway. On  XXXX   XXXX ,  2017, I le arned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis (  XXXX    XXXX  company  used  )  about the inquiry. The respond from the agency stating that  XXXX   XXXX  indicated that  XX/XX/17     XXXX    XXXX   we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department  XXXX   XXXX  I spoke with the loa n officer for  your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with   XXXX   XXXX   from   XXXX   , 2017, and I e xchanged a handful of emails on     XX/XX/XXXX    , no authorization have been mention of running credit.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ZIONS BANCORPORATION (AZ)

National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2XXXX 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 XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Financial is in dishonor for not responding to qwr letters. they are sending us pre-foreclosure letters, they will be committing fraud upon the courts. 

I am seeking a Quiet Tittle Action. all foreclosure proceedings for lack of standing under numerous consumer violations
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Network Inc (CA)

I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am disputing and urgently requesting the removal of several fraudulent entries from my credit report. Upon contacting the associated banks, they confirmed the validity of an identity theft report and assured the removal of the accounts. The misinformation in my credit report is a clear violation of compliance with the law, stemming from inaccurate or incomplete reporting. I demand immediate correction and removal of these fraudulent accounts from my credit report. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED 7XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXXDEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXXXXXX XXXX/DEPT OF ED XXXX
Consumer complaint received 2020-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please the attached letter. I have previously disputed this account and you failed to follow the law. As a consumer, I have every right to receive the documentation that you used to " validate ' not verify this account. Please follow the law FCRA to the letter.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

I filed chapter XXXX bankruptcy in XXXX. Experian Credit Bureau is allowing XXXX XXXX and XXXX XXXX XXXX to report fraudulent information towards my credit report. The XXXX XXXX account number XXXX reported a failure to pay in XXXX. XXXX XXXX was included in the bankruptcy. Payments were made to them starting XX/XX/XXXX and the account was paid off XX/XX/XXXX. First, how can I have failed to pay in XXXX, when the account was paid in full with interest in XXXX? Second, it 's my understanding that when accounts are in chapter XXXX bankruptcy, there will be no negative marks against them. In addition, I have XXXX accounts with XXXX XXXX XXXX that were XXXX also included in the chapter XXXX bankruptcy which was filed in XXXX. But, in XXXX, both accounts have a failed to pay mark against them. This failed to pay mark was done after I filed the bankruptcy. Of all the accounts I included in the bankruptcy, only XXXX XXXX and XXXX XXXX still exist of my credit report. Why is this? The bankruptcy is public record and had Experian verified this fraudulent information, I would not be going thru this. When my Experian credit report is pulled, it states that I have serious delinquency and time since delinquency is too recent. I have several accounts opened and closed right now, where in over about 18 months, I have not missed or been late on any payments. These negative marks have caused me to be denied credit and I 've been charged outrageous interest rates. In addition, there is an account with XXXX XXXX XXXX XXXX my credit report. This is not my account. Again, had Experian verified the information they receive, this account would not be on my credit report.
Consumer complaint received 2015-10-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK (CA)

Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX