davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (GA)

I have been trying for years asking XXXX and Equifax to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the Atlanta Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What XXXX and Equifax always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

XXXX and Equifax has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per XXXX has the same error reporting twice.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MA)

I closed my Citibank XXXX XXXX XXXX XXXX in the XX/XX/XXXX. I had no intention of re-applying for this product, but in XX/XX/XXXX, Citibank directly marketed this product to me with the promise of a sign up bonus of XXXX XXXX XXXX points after spending {$2000.00} within the first 3 months. I must stress that they sent marketing materials for this card directly to me and that I did not seek out this product. While I am not an expert on Citi 's policies, in the past, they have had a policy about obtaining a sign up bonus from the same product within 18 months from the date of the bonus being earned. Because I had held this product for at least 2 years and had closed the account more than a year ago, AND because they directly marketed the product to me, I assumed that I was eligible for the sign up bonus. Had Citi 's marketing not been sent directly to me, I would not have applied for this product. After making the minimum spend, the sign-up bonus was never released into my XXXX account I called customer service to inquire and they said that because I had held this product only a year before, that I was ineligible for the sign up bonus. This represents both a significant departure from their previous policy and more importantly, constitutes a false advertisement of this product.
Consumer complaint received 2021-10-03
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. (NJ)

I have been in contact with Transunion several times now but there are still accounts that do not belong to me on my report. I called them a few days ago and was told to file a report with the FTC. I am hopeful that this time we can finally resolve this matter.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (MS)

I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.
Consumer complaint received 2016-02-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I called on XX/XX/XXXX, this company collection agency named XXXX XXXX XXXX, to find out, for what reason, this collection agency, does not stop harassing me. the agent I spoke with explained to me that I owed the sum of {$280.00} for the company XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, CA XXXX. I refuse to pay for this rental agency, or it found my last accommodation. before making the inventory and handing over the keys to the manager. it was clear that I had paid all my rent for my apartment and that I had left the apartment without any damage.

I always had problems with this apartment rental company when I was living in this apartment. sometimes the manager asks me to pay my rent for the month and when I paid the next month which showed that I didn't pay my rent for the last month ... this rental agency did a lot of error with my rental agreement so now I refuse to  pay the amount that asks me. I am also filing a complaint against this collection agency, which does not respect my privacy and harass me every day with phone calls and texts. I told this collection agency agent, before hanging up, that I know my rights and ask them to stop harassing me right away or I will file a complaint against this agency.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax removed several fraudulent accounts from my credit and then they out the fraudulent entries back on my credit. I have been going back and for the with this company for almost XXXX months now about this issue. I have sent them an id theft packet and I supplied them with a certified police report along with some XXXX card in the police records department. 

Also they have blocked my credit so that I no longer have access to XXXX.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

i have attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to SSA and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2022 Capital One Bank USA Reported negative remarks on my consumer Report Without my Written or Oral Consent. Im protected under the federal law FCRA. Pursuant to 15 usc 1681b you clearly violated the federal law. This Negative and erroneous information needs to be deleted now. You have 5 days after receiving of this complaint to fix this problem or I will take legal action.
Consumer complaint received 2016-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (OH)

i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in XXXX
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I had a capital account for over 15 years, in which I almost never missed a payment. 
This XXXX, after paying more than the minimum due, I wanted to cover additional amount, in addition to my initial payment. 
The problem was that I didn't have online access to my account, and couldn't exactly when amounts were credited to my account. 
I twice made payments, but shorty before the funds were creidted to my capital one bank account, so eventually, they weren't credited to my capital one credit card account. 
A few days later I made a payment of my full balance of around {$10000.00}. 

Yet when trying to use my account, I wasn't able. Only when calling capital one I found out that they closed my account unilaterly after 15 years that I never missed a payment, because of those two ADDITIONAL payments I tried to make ( in addition to an additional payment years before that didn't go through. 
This unilateral action after 15 years without missing a payment really got me stuck in the middle of travel with no credit card, and they couldn't due anything about it. 

I hope you can correct this situation, and make sure that Capital One would not due this to its other loyal customers.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

sent in XXXX certified notarized letter and was ignored I did not authorized any of these inquiry and Experian has not right to update an account that over 10 years old via fcra please remove the following ( 1 ) XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (NJ)

On XX/XX/2024, a transfer, that I did not authorize nor was even contacted about to approve, was made from my government parental leave benefits account to another account somewhere. The bank, Money Network, was contacted about this fraudulent transfer 4 days later, and a dispute was raised -- and an investigation was begun to find where the money went. 

Within a day of raising this dispute, on XX/XX/XXXX, a letter was mailed to my address where the claim was already denied -- even though an email requesting a full statement and any information about the transaction wasn't sent until XX/XX/XXXX -- so an appeal was begun to have this matter investigated more thoroughly. 

On XX/XX/XXXX, another letter was sent to my address stating that the claim was still denied, and we sent back requesting the documentation for why this claim was denied -- nothing has been heard since then.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I was previously a customer of US Bank. Time and time and time again, my actual dollar amounts were not accurately reflected in my checkings account. Ive actually closed my account as of the end of XX/XX/2023 due to the negligence of their bank. Due to my amounts being improperly shown, there were numerous times where my account was overdrawn. I would them be charged again for a cash advance just to avoid the overdraft charges. I do not have photos or documents, but the proof is there in my past transactions. Ig needed I can provide my account number. I still have an open, active credit card with the bank. The last straw was when I needed to make a large purchase for vandalism done to my car. When making the transaction with my card, my checkings account was bot overdrawn. The very next day, My account was - {$200.00}. When I call the bank, there is never a resolution. I was once instead told by a woman from US Customer service to keep a separate note pad of all transactions. If I wanted to do that, I would not bank online. After this, I wired my remaining checkings and savings amount to a new institution. I had been banking with US Bank for XXXX years. Ive lost thousands of dollars due to the inaccuracies of their mobile app which I relied heavily on. There were also many instances, at least a few times a week, where my transactions would post as pending, then would disappear for days, then would re appear. I was convinced that is how all banking was until I switched to my current institution. ALL of my transactions show up immediately. Every cent is accounted for and transactions dont randomly disappear. Yet, this was a regular practice of US Bank.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (OH)

Someone called my phone and advised they knew who I was and should just verify my social or they will take legal action against me. When I told them I was not who they were looking for the man advised that they have caller ID so he knew my name. But the XXXX was wrong. He told me that there would be consequences if I did not pass a message on to the person in question.
Consumer complaint received 2020-10-17
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. (NY)

I am victim of identity theft, i have been submitting dispute to this company since XX/XX/2020 and i have not get any respond or justification of why this fraudulent account have not been remove from my credit report. no investigation have been made. no proof of any investigation is send as my request. i been totally ignore by this company. they are going against my right. 
see attached policy report letter been sent to this company and proof of my identity
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (OH)

Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

I opened a proper dispute with Equifax to dispute there is no such judgment of record for # XXXX or XXXX from this court for this date for this amount from this creditor. I have documentation from the XXXX XXXX XXXX XXXX that supports my dispute of these erroneous entries on my report.
Consumer complaint received 2022-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (HI)

Wakefield calls constantly. We have said, ok, maybe we owe this money, and asked that they send us a hardcopy in the mail detailing what we owe. We have verified our address, but for three months now they just keep calling. Everytime we answer, they say we owe money, and what card are we going to use. If we owe the money we 'll pay, however they refuse to SEND anything in the mail with a balance due on it. They wont stop calling, and demanding money. It 's becoming very frustrating.