davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Certegy Holdings, LLC (KY)

I was contacted by XXXX XXXX about a {$200.00} transaction at XXXX XXXX they say chk was returned. I called XXXX XXXX back during the beginning and they said they had no knowledge of any check. I called them back, and ask for check, they said theyd get me chk and it never showed up. About 6 months later, the same sequence of events, still no proof of chk and my bank said no return chks on acct ever in 20 plus years of its existence and that I also have overdraft protection and a return chk would not have happened. I told the collector that and he said Certegy had guaranteed money and they picked up check. So I called their office and after taking both our bank acct numbers and SS # s and past two addresses, they could find no history of us in their system at all. So I called collector back again and said Certegy has no record of us, and they say you are not a debt collector for them and the collection guy said they sold you to us and I said they have no such record. He says they wouldnt, do I called again and they them reported history is part of the service they provide and they would have history of cold check. So when I called and told him that, he said you dont know what your husband is spending money on or where hes bouncing checks. Then he called my husband and said we have your drivers license number on chk we know it was you. He said great, then send us a copy and well get that check cut to you today. All we are asking for is some type of proof beyond your word. He hung up on him and said Im not going away, we dont settle debt, we collect it. Ive sent them an email telling them we need proof Of something beyond being badgered to death. We have never floated a check anywhere, its not in my financial history, and if I thought I owed this, Id be happy to pay it. All Ive ask for is a copy of a chk.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (DC)

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all XXXX Credit Bureaus ( XXXX, XXXX, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Consumer complaint received 2021-09-08
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2021-02-06
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: Telerecovery Corporation (LA)

Tele Recovery Of Louisiana updated my credit report on XX/XX/2021as being delinquent in the amount of {$380.00}. I've reached out to them XX/XX/2021 seeking providing details of such adequate services so I can identify if mines and address this issue yet they still haven't provided such information. I need assistance with this matter because this falsely reporting have impacted me financially.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

I had paid off the full balance of my XXXX  Mastercard issued through US Bank after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact US Bank but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Consumer complaint received 2017-11-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lazega & Johanson LLC (GA)

Sold my debt ( in their words transferred ) to third party company. Did not contact me to notify me of change. When contacted to find out why I was not able to pay my bill online, XXXX XXXX was extremely rude, unprofessional and disrespectful upon me inquiring about the companies failure to communicate details of my account being transferred. He insisted on informing me that it was the new companies responsibility to contact me in reference to the change. Upon calling back to speak with XXXX XXXX, the receptionist XXXX was just as hostile and rude as XXXX and even refused to give me the address of the company and information related to my account. Ive dealt with this company for over a year and its been the a constant aggressive disrespectful culture across their company with zero ethics. My original account representative XXXX XXXX XXXX displayed the same unprofessional tactics as the individuals listed above. I reported her to management in 2016.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Hello this is the XXXX time that I've tried to get the collection companies to verify and check to see that these companies are correct and if not correct to be taken off of my account. I don't know where they got some of these companies from but here they are. 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 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 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 I don't know who these companies are so I would expect you to verify these accounts and check them. If these companies can't be verified then delete them from my account at once.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

On XX/XX/2022 I received a notice from Credit Management XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Phone : XXXX FILE # XXXX Date : XXXX  The notice stated that I owe {$47.00} to XXXX XXXX for a government phone which I get for free. The phone number is XXXX Since this phone has been free to me for at least the past XXXX  years, I don't understand why I owe any money. 

Furthermore, I have never been billed by XXXX XXXX for any service for this phone.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capitol one auto finance acct. XXXX XXXX. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX in the year, 2016 month of XXXX and XXXX my account is showing a charge-off. 
there was a payment agreement placed on the account to help bring the account to a current balance. These two charges-offs should be removed. the account is current with monthly payments being made as agreed. please have capitol one remove charge-off. 
talked to a supervisor named XXXX, ID, XXXX
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MA)

On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.
Consumer complaint received 2021-02-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: National Credit Adjusters, LLC (TX)

Me and my attorney filed and sent proper paperwork to XXXX XXXXXXXX debt buyer for XXXX XXXX disputing amount owed and requested proof. XXXX XXXXXXXX could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved National Credit Adjusters LLC another debt buyer for XXXX XXXX  bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, XXXX XXXXXXXX and NCA are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

EXPERIAN CREDIT REPORTING AGENCY FAILED TO REPORT THE CORRECT INFORMATION ON MY CREDIT FILE FROM XX/XX/XXXX TO XX/XX/XXXX. THE AGENCY HAS STATED THAT TODAY XX/XX/XXXX THERE ARE NO ACCOUNTS, WHEN THERE ARE CURRENTLY THREE ACCOUNTS NOT BEING REPORTED.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I use an app called, XXXX XXXX. It's an app developed by my financial planner. It allows me to track my finances in a very simple, streamlined way. It requires that Capital One allow access to my financial accounts through the security/wares services of XXXX. Recently, Capital One has been flat out refusing to allow me access to my own financial information in order to utilize this app. I've had to delete the app because it's been rendered useless through Capital One 's unwillingness to share my financial data, even though I've granted the app access multiple times. I would like to have ownership of my financial data for use in the XXXX XXXX app.
Consumer complaint received 2017-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. 

I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. 

I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB
Consumer complaint received 2017-11-07
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. (GA)

XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.
Consumer complaint received 2017-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective X/X/2017 that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

This is a resurfacing remark for a previously resolved case. I went through credit repair couple years back to reverse some early learning mistakes I had made.

A credit report from XX/XX/XXXX states an amount of {$1100.00} and acct open date of XX/XX/XXXX.

My credit repair agents closed & settled the unclear remark and removed it from my report for new beginnings.

The remark has been off my report and I have been staying true to my good faith in keeping my Report & Score back on track, Recently having a XXXX score.

Looks like remark has resurfaced with no prior communication or anything to me.

The debt now states XX/XX/XXXX an amount of {$1100.00} and an acct open date of XX/XX/XXXX.

The debt was very vague and unclear from the beginning. Comparing Dates opened and amounts owed do not match Different amounts stated on different occasions.

I don't believe this would be fair to be in my report.
Consumer complaint received 2021-08-04
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. (PA)

I've both called and sent letters to all 3 credit reporting services ( XXXX, XXXX, and Equifax ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP.

XXXX  Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

USAA Savings bank credit was called about issue. Issue was resolved for 2 years. Suddenly, bills started appearing again. I do not owe any $ $ XXXX No goods/services were purchased on this account.
Consumer complaint received 2017-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX