davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

XXXX XXXX - XXXX, XXXX is reporting erroneously on my credit file. When I first noticed this debt I called and paid it off. I have been monitoring my credit and noticed only one of the accounts has accurately reported the balance. I had tried to challenge these debts and have not received any responses. I called to ask if the account was settled or not as it was not reporting as paid and I found one of the accounts was not settled. I was furious when this happened because I called and settled both these debts MONTHS ago. On top of that I never received any calls, notices, or letters about this debt and this violates my 30 day right to dispute. I need these accounts removed ASAP.
Consumer complaint received 2015-07-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.
Consumer complaint received 2015-12-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ad Astra Recovery Services Inc (NV)

was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NIC, Inc. (MI)

On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (LA)

On XX/XX/24 I disputed XXXX of my transactions from account that were atm charges. I disputed the transactions because I didnt receive the money when I withdrew from the bank. XXXX amount was {$500.00} & XXXX was {$400.00} and I havent heard any update or believe my bank has even began working on my dispute. I was told a few days ago over the phone that my disputes were received but not reviewed.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a complaint about Capital One 's unconscionable practice of closing accounts when there are outstanding rewards and telling the card holder that their rewards are forfeited. On XXXX XXXX, 2016, I received a letter from Capital One closing my GM credit card account because they " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes '' Cardholders received 5 % of annual purchases up to {$500.00} annually as a reduction toward the cost of a GM car for up to 5 or 7 years. At the time of the cancellation, I had a balance of {$1000.00}. 
Capital One refused to provide any further information as to why my account was closed and advised me that my balance was forfeited. I spent many hours with Capital One and had many phone calls with representatives who were essentially robots. They would not provide any information other than what was in the letter and telling me that I had forfeited my rewards. 
I subsequently learned from GM that my card was cancelled while in good standing and they would honor my rewards for 90 days. In other words unless I bought a car within 90 days I had lost my rewards that I had in good faith amassed over the last two years. 
I have held this card for more than 20 years and believe this is a fraudulent practice. Capital One promised to provide me the agreement showing that they can do this, a copy of the letter and a copy of my last statement which I misplaced. This was about a month ago and they have not fulfilled their promise. In other words, contacting Capital One is like banging your head against a wall. 
Capital One should be sanctioned by fine or by other means for this clearly unconscionable practice. Pressure through formal action or otherwise should be placed upon Capital One to stop this practice.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

This complaint is regarding XXXX and information derived from the credit breauras. One of my issues is that i am constantly denied housing in the XXXX XXXX- XXXX XXXX XXXX . Public information is being reported about me that is either inaccurate, Can not be proven or is either out dated. For instance, This XXXX charge " XXXX " case # XXXX occurred in XXXX/XXXX/XXXX which is beyond the statute of limitations which is ( 7 ) seven years to be reported.However, its being reported more than a single instance on a report. Also, The charge of " XXXX '' case # XXXX dates back to XXXX XXXX XXXX, The charge of " XXXX " case # XXXX too dates back to XXXX/XXXX/XXXX, and the charges of " XXXX '' case # XXXX, XXXX case # XXXX and the charge of XXXX case # XXXX are all outdated information that is still being reported. Also XXXX and exquifax are not accurately reporting my current mailing address properly which is XXXX XXXX XXXX XXXX North Carolina XXXX. I ask not to be judgmental i was a innocence man XXXX and is attempting to restore order to his life.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I have submitted a dispute and the issue was resolved then later placed back on my credit report incorrectly. They also are reporting old debts that are past the 7 year limitation. That have been purchased by a collection agency. But original dates have been changed making it look like current debt. Equifax has done this multiple times cause my credit score to suffer
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc. (MO)

On XX/XX/XXXX I spoke with XXXX XXXX, former leasing representative with XXXX XXXX XXXX in XXXX county Virginia. During this email we discussed my ability to sign a 15 month lease. We also discussed the likelihood that my job would be transferred in the future, and how I could break my lease and pay a " buy out '' option which was equal to 2x my base month rent. We agreed on these terms and my lease was signed. 

On XX/XX/XXXX I contacted the leasing office via email and in person to let them know that I would have to break my lease as I was being transferred. I received no response to this email until XX/XX/XXXX by XXXX XXXX, property manager for XXXX XXXX XXXX. At this time, XXXX stated that I agreed to pay a {$1600.00} fee equal to 2 months rent and that I would supply an updated address so they could forward me a bill as to my final amount owed after damages were assessed. I replied to this email confirming my agreement to pay the fees once I received mail confirming the details of payment owed. I also provided my updated mailing address to XXXX at this time. 

I have received no further communications from XXXX XXXX XXXX. Imagine my surprise when it's XX/XX/XXXX and I'm on break from my job as a XXXX XXXX  in the XXXX, and my bank card won't swipe for a soda. I contacted my bank and they informed me my account had been frozen in legal judgement by XXXX XXXX XXXX. and the phone number XXXX was provided to me at this time. They stated my account could no longer be accessed and that there was a freeze for over {$5000.00} on my account. 

I have no access to my bank, any funds, or the ability to pay my bills. I was never notified of this debt via mail, email, phone call or court notification of action being taken against me. 

I have no problem at all paying the {$1600.00} owed, my concern is that I feel the apartment complex mismanaged my account and is looking to recoup losses from their less than stellar low income tenants in those units. I had the forethought to try to fight this the moment that I became aware of the situation. A lot of others wouldn't know where to begin.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I had disputed unverifiable inaccurate accounts with Equifax they removed the accounts and now I am going to close my house and these accounts are back on there. I called them and they said that I need to dispute them again that these vendors are reporting again. They are violating my rights under FDCRA act. because once I disputed and they were removed Equifax is responsible to monitor my credit file and make sure they don't get added back on that's why I disputed them in the first place. They are not doing their job and breaking the law by not protecting my rights once i have disputed an account and it has been removed.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CORELOGIC INC (IL)

MY NAME IS XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, IL.XXXX. I AM WRITING TO FILE A COMPLAINT ABOUT A COMPANY CALL CORELOGIC / CREDCO. TO FIND OUT WHY CREDCO HAS MY SOCIAL SECURITY NUMBER AND HOW DID CREDCO GET MY SOCIAL SECURITY.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

DISCOVER OPEN A FRAUDULENT CREDIT CARD FOR AN IDENTITY THEIF USING MY IDENTITY, THEN PLACED THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I SUBMITTED A POLICE REPORT AND AN FTC IDENTITY THEFT REPORT TO THE CREDIT BUREAUS, AND THEY HAVE NOT REMOVED THE ACCOUNT
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (AZ)

Thank you for taking the time to review the complaint. After reviewing the Experian Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MA)

XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion has not updated its account for XXXX Mastercard and thus my credit score remains lower than the other two credit reporting agencies. XXXX carries a score of ( XXXX ) XXXX ( XXXX ) and Transunion ( XXXX ). As you can see the account has been submitted since XXXX and remains unchanged on Transunion site
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (AZ)

Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report XXXX continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

I have information from Equifax on my report that is negative. It says I owed money to XXXX XXXX XXXX. I thought this had been settled. This information is damaging to my score. I have paid all my bills on time for XXXX years.
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

I have asked United Revenue to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Access Receivables of NC Inc. (AR)

I had an account with XXXX for internet service. After the end of my contract period, I contacted them by phone to cancel my service. I continued to receive bills and so I notified them by mail twice that I had canceled my service. Since I refused to pay bills generated after I canceled my service, after XXXX 4 months, they stopped billing me and canceled my account. They then sent a package to me so that I could return their equipment. I did so. 

Several months later they contacted me saying that I owed them for the XXXX 4 months of service after I canceled my service and that I owed for the equipment. I informed them then the information I related above. 

Now, they 've hired a collection agency - Access Receivables Management - who is attempting to collect the same invalid debt. I owe XXXX nothing since I always paid my bills in a timely fashion until I canceled my service, and I returned their equipment.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion shows on my credit report the amount {$860.00} past due to XXXX University. I have spoken with multiple people at XXXX and they all tell me I do n't owe any more money to the school and my accounts were paid in full XXXX of 2015. 
Trans Union is ruining my life and since their website is garbage, I ca n't file a complaint there.
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

On my Equifax Credit Report, Under Account Details for XXXX, it shows Customer Deceased. I have called in the Past and Spoke with XXXX different Customer Services Representatives at Equifax, who ensured me that error was corrected at the time but as a today still shows the same error. I ca n't get my credit scores neither apply for anything because they denied me for that error.
Consumer complaint received 2022-02-15
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. (NJ)

How many times do I need to complain about this before the CFPB takes action or are you folks in the pockets of the credit reporting agencies? On my last set of complaints, I reported that EQUIFAX has and continues to show duplicate accounts over and over again. These accounts and balances are counting against me for utilization as well as a debit ratio. I am yet again providing information obtained directly from EQUIFAX credit monitoring which I pay for. Insult to injury considering the morons they have working for them in the investigation department. They could not investigate their way out of a XXXX corner. Lastly, HOW many times is it going to take for EQUIFAX to remove the 24 fraudulent credit inquiries that are on my report? I have submitted to these idiots my identification which they claim for the last 10 times submitted they um never got ; along with my FTC affidavits. Again lost in the mail or cyber mail or fax. I am going to give the CFPB one last chance to hold EQUIFAX accountable otherwise my next course of action will be to sue EQUIFAX in federal court and make the CFPB look like a bunch of XXXX because it could have been resolved however this government organization seems to have no teeth what so ever.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You