davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I am disputing a paid collection that is being reported on my credit report by Equifax from a company named XXXX XXXX XXXX. This company has no legal right to report this false information. This account was closed from XXXX XXXX XXXX and returned to the original creditor XXXX XXXX XXXX who has the legal right to do with the account as they see fit. A lot can happen in a little over 4 years including account ownership. 

I have attached a copy of a bank statement, clearly Showing that XXXX XXXX XXXX was never at any time paid anything as well as the method of payment, the dates and amount tender. Also at various times you all have claimed this account had been sold to which there is no proof of such a sale. I have also attached additional bank statements showing that this account is alive an active to this date, yet in your reporting you list it as paid and closed. How is that possible? It clearly shows that both XXXX XXXX XXXX as well as the CRA 's have no idea of the transactions that have transpired to this date, it also shows that on previous disputes you the CRA 's have fail to do a reasonable investigation. 

I am also requesting the method of verification, which is my right under the FCRA section XXXX ( a ) ( XXXX ). 

Also I assume that each of the CRA 's are fully aware of the agreement that was reached with the XXXX of the state of XXXX and XXXX with the state of XXXX falling under the XXXX agreement. 

The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). 

The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. Such efforts may include, but are not limited to, sharing best practices for key words and screening procedures designed to identify debt that did not arise from any contract or agreement to pay. 

I am requesting under this agreement that proof be shown that this so called paid collection resulted from a contract or agreement to pay. This information should be readily available since this so called debt was sold as well as reported. 

You can not have a so called paid collection and reported as closed when this very Account is used to this date and in good standing. Your paperwork and so called reporting Do not match up with what are the facts. 

Please remove this false and inaccurate reporting immediately from my report.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

On XXXX/XXXX/17 I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company XXXX XXXX XXXX in the amount of {$1000.00}. I do not have a signed contract nor any contract with XXXX, XXXX. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with XXXX, XXXX. This negative mark is affecting my credit score heavily. Please investigate this matter and remove this inaccurate information from my credit file with Equifax.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-29
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: ENCORE CAPITAL GROUP INC. (TX)

This account has been closed and charged off with the original bank and I do not have a signed contract with Midland Funding or XXXX XXXX XXXX nor have I done business with Midland Funding or XXXX XXXX Systems. I have a right to demand a signed copy of such contract between Midland Funding/ XXXX and myself.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (WA)

I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.
Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NY)

I need to ask for your help. I had been initially approved for a streamlined refinance through Citimortgage They are now refusing to refinance me because they say my payment was late, after XXXX+ years of on time payments I got paid on Friday XX/XX/XXXX, but it was XXXX the seventh night. I could n't pay them until the holiday was over, on XX/XX/XXXX, at night. I did, nut they said they got it XXXX/XXXX/16. I welcome any advice or assistance. 


Here is a copy of the email. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Citibank Refinance XXXX URGENT Inbox x XXXX, XXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Good morning XXXX XXXX, XXXX underwriter reviewed your loan application. We will not be able to approve the above referenced loan as submitted for the following reason ( s ) : Decline-XX/XX/2016 payment made XX/XX/2016-loan is no longer eligible for the Home Affordable Refinance Program If there is any additional information that has changed or should be considered, please let me know as soon as possible. 

If we do not receive the revised request by ** XXXX/XXXX/2016 ** the loan will be declined based on the original terms. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) Citibank N.A . 
Sr Loan Officer XXXX # XXXX Phone XXXX ext XXXX Fax XXXX
Consumer complaint received 2022-09-08
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As I recently reviewed my credit report I noticed an abundance of information being reported by Transunion to other entities without my knowledge or consent. I can't apply or even do anything with my credit because of this falsified report from Transunion in which I have no partnership or affiliation with. They are purposely fabricating falsified reports against me hindering me from further extending and using my rights to credit. They have violated my consumer rights under both 15 USC 1681 & 1692.
Consumer complaint received 2017-10-20
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: Experian Information Solutions Inc. (IL)

I contacted Experian or about XX/XX/XXXX regarding an incorrect entry on my credit report. I provided them a copy of a letter from the XXXX Department of Insurance and Financial services which reads in part : " XXXX 's response dated XX/XX/XXXX, apologized for the correspondence you received from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the collectron of a debt in the amount of {$200.00}, as your account was sent to the collection agency in error. XXXX stated they contacted the credit bureau to [ accurately ] update their reporting. '' Experian responded that this was not good enough. Now if a letter from a regulative agency is not good enough to correct their screw-up, what is?
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX To Whom It May Concern : ACCOUNT HOLDER : XXXX XXXX XXXX XXXX & XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( XXXX YRS ) XXXX PERSONAl My name is XXXX XXXX, customer of Bank of America for years, with personal and business, so is my college XXXX XXXX XXXX. 

Ending XXXX, I looking for second job online, at home, since I do that anyway. I finally did XX/XX/XXXX to being after XXXX XXXX XXXX. 

I got job as a XXXX XXXX & XXXX accounts at XXXXXXXX XXXX XXXXXXXX. I am enclosing all the documentation here. I got hired and they asked me to send them for XXXX XXXX, like everywhere else. After submitting all, I started legit my job. On XX/XX/XXXX, with documentation being prepared since XX/XX/XXXX. 

XXXX XXXX, head of hiring XXXX XXXX XXXX, was XXXXne I was dealing with. I got my 3 check that week. First set bounced, so they send them again, bank tells me no funds. Of course quit job, but reality is I had money in Bank of America, so I was the only victim of this. I am XXXX XXXX XXXX never ever bounced a check. Heres how it all happened ( attached all details ) I was a victim Fraud. I understand bank politics, and I am personally working with Law Enforcements In my bank America I have 2 accounts belong to me, one to my son who is away college. Bank of America is closing my account, and my college son who has his own account, although I didnt do anything wrong, in fact I can not remember last time I deposit check. Bank has been processing closing all our money. I am gon na get evicted, I been borrowing money to eat, and my son XXXX years in XXXX XXXX with no money, doing like I am doing borrowing money t olive, although he has in his account his college funds, he needs them asap. 

BOA keeps saying two weeks, I go bank daily, I call XXXX 4 times a day and I never get same respond. I made plice report about company XXXX XXXX. 


Been banking with them long time without any issues. I dont owe them any money, because I have money. I have personal account only because they close accounts can not do transfers. They are telling me to get funds back could take up to 90 days. 

I request to pick up funds, because i can not wait another week. 

I was the victim, checks were return company. Please help me, yes I was robbed, but thats another story. I need bank close send my college kid his money, and mine t olive. 

It has been a month already, we are gon na be homeless, bank has their money, they took it from me, plus have other money. 

Please help Thank you so much XXXX XXXX XXXX
Consumer complaint received 2020-06-20
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. (VA)

XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Consumer complaint received 2017-06-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: RCS Recovery Services, LLC (FL)

RCS RECOVERY SERVICES LLC filled law suit on XX/XX/XXXX outside statue of limitations of 5 years. they even re-aged default date and it is still outside of 5 years of statue of limitations. judge ignored this when i said it in court and decided in favor of RCS RECOVERY SERVICES LLC. last payment i ever made was XX/XX/XXXX. they re-aged debt to XX/XX/XXXX but it is still 5 yrs 8 mo after last payment. they never proved that they own debt even when i requested it several times. they never came to court, missed first hearing, judge would not dismiss it then, second hearing they called in and judge never did anything on my motions or request. judge would approve their every motion and never any of mine.judge ignored statue of limitations.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery Place for Collection XXXX Amount {$390.00} Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone XXXX XXXX XXXX This shows on my Credit Report. I do not have any knowledge of this debt. I called Portfolio Recovery and they did not have any record of this debt. I would like to wipe this from my credit report. I called XXXX XXXX and they could not do anything. I appreciate if you could help me to resolve this dispute
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I 've sent 2 attempts to get this account handled but this company never replied back in the time frame alotted. The first attempt was XXXX/XXXX/XXXX and I waited over 30 days to recieve a response before I sent the 2 attempt on XXXX/XXXX/XXXX and again no response.
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Ave Student Loan Servicing, LLC (ME)

In 2020 my ex-partner used my information for a quote for a private student loan from College Ave Student Loans. I saw how high the interest rate was and the loam amount and decided that I did not want to be the cosigner for this loan. Despite my clear dis-interest and rejection for cosigning this loan the she used my information anyways and took out not only one, but two loans. Last year I talked to College Ave Student Loans about removing me as a cosigner but this was never resolved and they would not remove me as a cosigner. Now the account has gone into delinquency and it is hurting my credit and my financial future. My information was used without my permission, I was not present for cosigning for this loan, and I made it clear that I did not want to be the cosigner. 

XX/XX/2020 second loan of {$10000.00} XX/XX/2020 first loan of {$83000.00}
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am appealing a rejected dispute regarding the adjustments I should have received along with my disputed credits. I 've been receiving generic responses about this. I am disputing some charges made by Capital One. Betwee
n 8/2016 - XX/XX/XXXX you should notice monthly fees.. all of which were about {$5.00} each month described as Interest Charge Purchases. Since XX/XX/XXXX there werent any transactions. The entire total was purely due to XXXX ( disputed merchant ) recurring {$9.00} transaction that was quickly adding up but now is all voided due to my dispute with them. The total balance throughout those months would have been low.
In the adjustments received onXX/XX/XXXX labeled as Fee / Financial Charge, I only received deposits of a few cents each, all around but mostly below {$1.00}. Those Interest Charge Purchases credits should have been greater for those 11 months. Its about {$55.00} in fees that were accumulated unfairly. I only received {$15.00} from those fees in the adjustments. Meaning, I still am pending a credit of approximately {$39.00} based on fees into my XXXX XXXX XXXX.
The {$9.00} credits are for the " XXXX '' disputed transactions but I am referring to the fees. Again in XX/XX/XXXX, I was being rebilled {$29.00} which may have caused an increase in fees. " XXXX '' decided to deposit that amount into to my card since Capital One was n't crediting it even though I sent documentation with evidence that I know was received repeatedly. I 've tried to resolve this via phone, chat, and mail.
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery assoc. LLC calls me almost every day and have been calling me for over 3 months. They call from a different number each time. I told them from the first call, not to call me agai, that I am XXXX, XXXX, my husband has XXXX, we lost our home and everything we had and can not pay a credit card but they refuse to stop harassing me. They are rude, hateful and tell me they wo n't stop calling me. This is my cell phone number they call.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc (VA)

Reference to account :  XXXX  I file a complaint against the company about the debt. The company is being technical stated tha t II di d not put both account number on the complaint of the same deb tto be removed.. They only removed  XXXX  account. The account number  XXXX  still remain on my account. The case was handle in court : I spoke with  XXXX  at  XXXX   XXXX  of  XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX .  XXXX   XXXX  stated that  XXXX   XXXX  sent the collection to  Hunter Warfield by   mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by  XXXX   XXXX  a t HunterWarfield    XXXX . tha t the complaint was not for both account. XXXX ,  XXXX   XXXX   XXXX   XXXX  have file a garnishment for $   XXXX .the am ount of the judgment by the court.