davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (NY)

MRS Associates contacted me claiming to represent XXXX. I immediately did three things. 

First, I disputed the debt. The claim is not valid. 

Second, I requested written verification of the debt. 

Third, I requested they NOT call me at my work. 

The person on the phone was pretty silent. I told them I understood my rights and I was exerted them. They hung up. They did NOT respond to me again. 

The SECOND CALL I stated again the same three statements. I dispute the debt as it is NOT valid, I require written verification and they are not to contact me at work. 

Today, XX/XX/XXXX, they called me a third time. I demanded a supervisor. They delayed and at first denied they had supervisors. Finally, I spoke to " XXXX XXXX '' XXXX XXXX 's conversation meandered and contradicted itself. I again stated that twice prior I had disputed this debt and had requested written verification. He fist claimed they had never contacted me before. I stated, regardless, I require written verification of the debt. HE REFUSED, claiming they had sent it prior. I stated the obvious. that first he claimed they had never contacted me, now he claimed they had verified. I stated I had never received written notification and I required it. He said he couldn't do that. I stated SIX TIMES that I required written verification. I asked him if he was refusing to provide it. He would not answer me. 

XXXX XXXX said there would be " legal consequences ''. I responded that I was aware of my rights under federal law and that he was required to provide me with written verification. He refused, this was the 7th time in the same conversation. I told him that they should not call me at work and that I was going to report them to the state attorney general and other offices. He hung up on me.
Consumer complaint received 2022-08-10
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. (CO)

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (FL)

I noticed multiple problems with the following collection accounts. I sent a dispute challenging these collections on my credit report on XX/XX/2023 because they sent the same letter that is attached here to this dispute. I sent the requested documents along with the first letter and now they have sent a letter again stating they never got it. Equifax is lying and did not answer my dispute request going on into 60 days. 

XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX  : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete. 

XXXX XXXX XXXX : Account number : XXXX, There was no response within 30 days for this account. Nothing in 30 days, please delete.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (MN)

I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?
Consumer complaint received 2022-08-10
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. (CO)

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and Transunion both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/22 a account in the amount of {$950.00} appeared in my credit report from a company called Account Resolution Services. I have never heard of or been contacted ( neither by phone or mail ) from this company. I called the company to inquire about the debt however the information that they provide was general and not enough to determine that this was my debt. Also I did not have any previous communication with this company prior to them putting the account on my credit report therefore I had no time to request a verification of debt prior to it hurting my credit score.
Consumer complaint received 2020-09-11
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: CITIBANK, N.A. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to  the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I got a secured capital one credit card ( first credit card ) and I got a balance that I had to pay before XX/XX/XXXX, so I went online using the payment option on mt capital one account and try to pay for the balance, I made a payment for {$190.00} on XX/XX/2016 to capital one using my checking account. A few days later, got an email from capital one saying that my payment was rejected, so I call my other bank to try to resolve the problem and they told me that I have to provide my account XXXX digits number ( which I did n't know ) to make the payment. so after that I call capital one and made the payment again by phone of {$200.00} and this time it went true. Few days later got an email from capital one saying that my account is closed because of suspicious activity, so I immediately call them to explain what happen but my account is already closed and ca n't open a new one with them. What I 'm saying is that is unfair because it was a misunderstanding, did n't know I had to provide my full checking account number. So for that my capital one secured credit is close and I ca n't reapply again.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I HAVE  XXXX  CAPITALONE CREDIT CARDS AND ARE REPORTING ON ALL CREDIT BUREAUS, EXCEPT  XXXX , PLEASE NOTIFY  XXXX  REP AND LETTER OF EXPLAINATION, PLEASE FORWARD ME WHY THEY ARE CHARGING YOU CREDIT FURNISHER FEES.AND SUPPRESSING MY CREDIT REPORTS. SEE ATTACHED ACCOUNT  XXXX  ACCT  XXXX
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges
Consumer complaint received 2017-04-12
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

This  XXXX   XXXX   XXXX  placed an abstract of judgement on my property located at  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX  fraudulently trying to steal money from me. I never dealt with this LLC or owe any money to them. My name is  XXXX   XXXX  not  XXXX   XXXX .
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (VA)

I had fraudulent activity and unauthorized charges on my card with card.com. When I found out I reported my card stolen. This happened onXX/XX/XXXX I spoke with a representative o. XX/XX/XXXX to submit the fraud I had several charges in the amount of {$550.00}. Sent all my documents back to the company and I was advise that I had to wait 10 business days for a provisional credit I was also advice that I need to call the company to have the pending charges release so they can credit my account. I advise them why do I have to wait so long for my hard earn money when I didn't create the charges. I advise them That I had to pay my Bill 's and i need my funds asap. To this date still no review. When i seen banks give provisional credit within 2 days are the same day. I feel like this company makes up there own process and doesn't comply to the law.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had an initial mortgage loan with XXXX XXXX created in XXXX. In XXXX this mortgage was transferred to SELECT PORTFOLIO SERVICING , inc. From XXXX to current I've been paying taxes through escrow with little variation in my monthly payment. In XXXX the mill rate was based on a fair market value of {$200000.00} and in XXXX the mill rate was based on a fair market value of {$130000.00}. AGAIN, there was little variation in my monthly payment during this time and clearly my property taxes being paid through escrow were significantly lower. 
Despite all these facts, XXXX XXXX claimed a {$2900.00} " escrow advance '' during XXXX just prior to the transfer to SPS. Keep in mind they only paid {$1700.00} to the county in taxes! RATHER THAN SPS disputing this " advance '' they applied this to my loan as a fee that would ultimately create " fees '' and " charges '' of {$8700.00} in total as of XXXX! 
SPS continues to justify this fraudulent charge of {$2900.00} an all the subsequent fees and charges rather than removing from our account immediately. 
I've submitted to SPS the tax payment record from XXXX direct from my county showing exactly what was paid by XXXX XXXX during XXXX. Why is this legal?!
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (WI)

I am writing to your agency in hopes you can help me to dispute some charges made on my   XXXX   XXXX    XXXX   XXXX . I got contacted by   XXXX   by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4000.00} was on my   XXXX   XXXX    XXXX   XXXX  card.  XXXX  promised me for services that were never rendered. I started with them on  XX/XX/2016    they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to  XXXX  paying these fraudulent companies and they ignored my calls after a while.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

This is additional documentation to fully explain the collection and it's lack of validity. This debt has past the statute of limitations as per the new law in California where a debt can not be collected or put on a consumers credit report if the last billing is 4 years or older. This debt is XXXX years old to date. Please review letter to explain all details and the exhibits to back up to include court orders, etc. 

I offered a settlement and the collector refused to make arrangements with even though I don't owe the money, he said he was going to ruin my credit.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these 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
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (SC)

When I altray fist got my wells fargo active cash card we me and my husband has documentation that there would be no charges on both cards for 18 months. we both had cash advances option that was stated we would be charge fee for cash advance. i have had credit cards for over 12 years and i understand how they work but this company waits until i make the monthly payment and then go back and add money 2 my balance every month. First question is why isnt it included in the monthly payment. you cant keep adding money 2 my balance once i pay it down the 2 thing my husband got a cash advance also but they don't charge him extra fees. and the point i making is you pay for a cash advance when you get the cash and i only got 2 they charge me then the only thing they can do after that is charge intrest on cash and that should be included in my monthly payment. the second thing is i had card for 8 months than all sudden they started adding money on the account every month after i have made the payment we original got cards in XXXXXXXX XXXX XXXX just had them a year. no intrest on purchases for 18 months both cards. and i have several credit cards and this is only card they do this on. i saying its fraud. And i want this looked into
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.