davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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. (NY)

I have been requesting, since XX/XX/2021, verification of these alleged debts that Equifax and XXXX  keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Consumer complaint received 2021-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

on XX/XX/28 I mailed a letter to AFNI regarding a bill I received from them in the amount of {$150.00}. Its been over 30 days and no response. I've never had any knowledge of this debt and it is not mine.
Consumer complaint received 2019-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.

In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I  have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX
Consumer complaint received 2019-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

The servicer changed for my mortgage. Mr. Cooper company bought the Seterus inc. ( apparently ) At about XXXX Saturday XX/XX/19 evening I received an email from XXXX XXXX saying " there was a status change in the report that caused my rating to DROP 96 points! '' After review turns out that Seterus made a comment on XX/XX/19 that the account was closed. NO IT TRANSFERRED. My auto insurance is due and I was HOPING for a new rate on it but now I don't want to ask. REALLY almost 100 pts? I have been on time no late payments and this is what I get? Is it XXXX XXXX or Mr. Cooper? They can " rebrand " all they want..if it looks like a duck, walks like a duck.. you know. # XXXX
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

My insurance, XXXX XXXX XXXX, paid XXXX XXXX   {$720.00} in XXXX XXXX  2014.

I have sent the XXXX XXXX  several times to the collection agency, Bull City Financial Solutions, showing the XXXX payment to XXXX XXXX.

Bull City has not offered a reason that the debt is still owed.
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CO)

Filed a request for a car title and bill of sale with Ally on XXXX XX/XX/2021. The lease payout was made in full. Was told the process takes XXXX days. It has now been XXXX  days. Ive made over XXXX calls to Ally. Have sent numerous emails, including to XXXX XXXX the Ally XXXX. No title, no response and no resolution.
Consumer complaint received 2019-03-17
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: Experian Information Solutions Inc. (GA)

I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.
Consumer complaint received 2018-02-20
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: EQUIFAX, INC. (VA)

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, EQUIFAX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX..  ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO EQUIFAX, XXXX   AND XXXX XXXX I WAS DELINQUENT ON XX/XX/XXXX THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX.  ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX  CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX   DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND EQUIFAX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY EQUIFAX AND MY XXXX XXXX CREDIT REPORT
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Somewhat complex and hope that a representative will help me to describe my complaint. 
the guidance of ANY said XXXX, of any CREDIT CARD company, the named institution or other on how to correctly utilize, discharge use, full disclosure of said procedure to credit the legal entities account with the discharge or offset of public debt. CREDIT that is due to me the taxpayer upon a signature of my name, in its unlimited commercial capacity. 
As authorized representative of my legal entity, they are entitled to write and tender lawful notes. This has been a common practice for many years. The attempts by any XXXX of the company or any other credit card company, to dishonor any lawful notes, refuse to give process on how to do so, and not process such lawful notes for discharge or offset, will be a Dishonor in Commerce, Fraud, Conspiracy,  Racketeering, collusion, etc. I believe there is no proof to the contrary
Consumer complaint received 2019-03-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

On friday XX/XX/XXXX I received by mail first notice for plaintiffs motion for writ of garnishment and wages, money and other property belonging to me have been garnished. I have no idea what this is about the paperwork came from XXXX XXXX and they say its a debt from XX/XX/XXXX in the amount of {$1300.00} I have no idea where this 13year old debt came from and the originator but I would like to stop this garnishment from my ssi this is awful for a company to go out trying to make money illegally from consumers
Consumer complaint received 2019-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I was told to get a forbearance, I dont want a Forbearance I work with the XXXX XXXX and can only afford a small monthly payment, they wouldnt let me get a payment that I can afford and forced me to stay in forbearance
Consumer complaint received 2018-02-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is performing an adverse action against me as the consumer according to 12 CFR 1026.13. American Express continues to ask for additional unneeded information to process my applications. I have sent my W-4 which entails all information needed. American Express has done hard inquiries on my credit and seemingly is opening accounts in my name. Which are not under my control.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TN)

Hi my name is XXXX XXXX ( XXXX ) XXXX, and I received a direct deposit of {$10000.00} on my American Express Serve Prepaid card XX/XX/2021 from SBA.Gov Dept of treasury and I was able to access my funds that day only withdrawal {$750.00} from atm and transferred {$1000.00} to my card secondary savings account. Come XX/XX/2021 I tried to access my card via web at first it said temporarily closed, so then I called customer serve number on the back of the card XXXX spoke with a lady she act like she could not give me any info, so then she transferred me to a guy he said it seems I violated their card policy but could not tell me what the violation was!? So we got disconnected I called another number my mom found on XXXX got ahold of a rep explained issue and they put me back through the line to the number I called above, however this time a lady listened to me but told me it was nothing she could do on her end with, y account being closed, however I could write their corporate office and get my situation resolved in 7-10 business days after receipt of letter, asked what to put in the letter she was no help with that, and I told her ma'am how can they hold someone money and not give them access or no real explanation about and I stress that I felt they have scammed me! the lady gave me XXXX XXXX XXXX XXXX, Ga XXXX address to sent a letter. I talked to my mom and she told me to write a letter asking for release of my funds left in the account of {$8200.00} and that my funds was legit from the SBA Dept of Treasury and we included my card aact number, my ID, and all the paperwork from SBA showing proof funds were legit. The letter and all this was set same day XX/XX/2021 and tracking showed they received the letter XX/XX/2021 and now it is XX/XX/2021 and still no response back from the company, and now when I called they have all my access info blocked unless I call from another phone!? Please someone help me retrieve the rest of my funds!! I called SBA about said they was not able to retrieve the funds but encourage me to update my banking info in their system to stop further funds from going to that account and that I did hopefully in time!! 


( my address ) : XXXX XXXX XXXX XXXX, Tn XXXX
Consumer complaint received 2020-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Loan Care has sent me 3 letters stating that I am in default and am going to loose my house. They sent me the first letter on XX/XX/XXXX. They sent another letter on XX/XX/XXXX. They then sent another letter on XXXX. This is now harassment. I have payment receipts from them for the month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX and so on. I can also show where the check cleared my bank. The check for the month of XXXX was put in the mail on XXXX, XXXX so I am not behind on any payments. This is causing me unmeasurable anxiety, I am scared someone is going to show up and kick me out of my house. It's giving me hives and making me loose sleep. I need this taken care of ASAP the emotional distress it is causing me is taking a toll on my daily life.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX XXXX Equifax
Consumer complaint received 2019-03-16
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. (TX)

I have an Inquiry on my credit report from XXXX XXXX on XX/XX/2018 that I did not authorize nor received a credit card from. I contacted the company & they stated that a card was applied for using my social security number therefor they did not have remove the inquiry. I did NOT authorize nor receive any credit from this company. Please have them remove the inquiry from my credit report.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (AZ)

Got a letter from XXXX XXXX saying I was denied a car loan from them because of a illegal credit reporting company called XXXX XXXX XXXX. This " credit reporting '' company is providing false data to banks and other financial companies. This company needs to be shut down and all consumer info needs to be wiped.
Consumer complaint received 2018-02-20
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. (TX)

On XX/XX/2018 i went to a XXXX store to buy a sim card and the agent told me they have a plan for 4 for XXXX per month. When he asked for my social security number, I first asked him what for? He said JUST FOR THE APPLICATION. AND I ASKED HIM " WILL THERE be A CREDIT CHECK? HE REPLIED " NO. '' and again i asked if not even a soft credit check? ONCE AGAIN HE REPLIED " NO ''. Few minutes later i got an email from credit karma notifying me of a hard check while i was still in that store..i immediately complained. 
The rep called XXXX and I also called the same day to have them remove that, BECAUSE I CLEARLY STATED THAT I DO NOT CONSENT IN CHECKING THE CREDIT. XXXX SAID THEY WILL WORK ON IT AND I AM STILL SEEING IT ON MY TRANSUNION REPORT. 
XXXX TOLD ME TO COME ON THIS WEBSITE TO FILE THIS COMPLAINT AND IT SHOULD SPEED UP THE REMOVAL PROCESS.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (UT)

XXXX XXXX XXXX, for the last two years my account has always been paid on time no late payment or issues on my end. However, XXXX XXXX XXXX, has closed my account inadvertently creating a problem on my credit reports an account as being stolen, when all I asked for was a replacement card. Now XXXX XXXX XXXX, after reporting my identity was stolen and used and being a victim of identity theft they immediately dropped my limit from {$4000.00} to {$360.00} creating a credit usage of 98 % literally overnight. I had to move all my accounts to another bank and waiting for my direct deposit to be transitioned. I asked for more time and they now keep repeatedly contacting me on a auto dialer. MY CREDIT REPORTS will reflect changes for a few months as I resolve the identity theft as other banks change out my cards and account information.
Consumer complaint received 2019-03-16
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: Experian Information Solutions Inc. (CA)

So approximately on XX/XX/XXXX or XX/XX/XXXXthe credit card company called XXXX  pulled a hard credit inquiry as well as asked for my bank account information ( account number and routing ) and still wanted my social to apply for a card which is really sketchy then out the the blue they deny my application without reasoning and had access to my financial accounts with my savings