davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records.WESTLAKE FIN XXXX
Consumer complaint received 2018-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (SC)

I've called XXXX 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to XXXX  on :XX/XX/XXXX - " XXXX XXXX  reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agenciesXX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked XXXX to stop the dispute. Also, XXXX should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only XXXX barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

i had long XXXX. I applied for a modification. After full submission. I was told that i had a previous modification. All i asked for was to put the payments to the rear, They said they had to lower the payments. I will lose my home f i cant do this.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OH)

Recently, I received the discharge of a bankruptcy proceeding, which has been in progress since XX/XX/2019 and weeks ( XX/XX/2019 ) I received an email from US Bank, with my name, personal information, and " pre approved '' code for the credit card US Bank Cash + Visa Signature Card. The offer is legitimate, and dated XX/XX/2019. The same day I applied for the offer using the code received in the email, all my data was filled, I just read, and confirmed with U.S. Bank website. 

I am aware that every credit card is subject to credit analysis, but I can not agree to receive personalized notification of " pre-approval " with personal use code to apply for a card, and be denied. 

I contacted U.S. Bank and was informed that I can only apply in 5 years after the discharge. 

I feel disappointed and frustrated, because I received a hard inquire on my transunion, and damaged my credit history. 

This offer is totally misleading, and misleads the consumer to error. It is requested providences!
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. 

I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.
Consumer complaint received 2021-04-22
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. (TX)

see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.
Consumer complaint received 2018-06-11
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. (IL)

I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
Consumer complaint received 2018-02-12
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. (LA)

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (GA)

I opened a checking account on XX/XX/19. Sun Trust representative confirmed for me the {$500.00} promotion. I took care of all the requirements - 10 Debit card transactions, {$3000.00} in direct deposit and maintain {$25000.00} by XX/XX/19 Now they tell me it will take another 10 weeks to get my {$500.00} promotion.

WHY 10 WEEKS????? 

A friend of mine received her {$600.00} promotion within 48 hours from fulfilling all the requirements at XXXX. 

I am not willing to wait for 10 weeks. I need my promotional offer - {$500.00} - deposited immediately since we have met all the requirements - Acct. # ending in XXXX opened in XXXX, Ga. inside XXXX. 
Stop dragging your feet, credit my acct. with {$500.00} by end of day XX/XX/19 No more delaying tactics.
Consumer complaint received 2021-04-22
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. (TX)

see FCRA laws : wrong info and see attachments for proof XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this
Consumer complaint received 2019-05-16
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. (FL)

I recently had a fraudulent activity show up on my credit report. I reported it to Equifax and they put a freeze on my credit account. They gave me a personal PIN number only they and I would know in case I need to access my Equifax credit information and lift the Freeze in the future in case I need someone to run a credit check, etc. After confirming my information ( including my current address, number, etc ) the Equifax agent sent the letter containing my PIN and other confidential info to a PREVIOUS address I know longer resided. Someone there opened my mail ( on accident ) and screenshot the info to me. That shows me how competent Equifax is in ensuring my information is secured!! Im currently on hold after asking multiple times for a supervisor and the name of the agent who sent the letter- its now been 35minutes.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers credit score for payments missed during an approved forbearance period. This has affected my credit scores.
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CA)

A debt to XXXX XXXX in XXXX was owed after they sent a final bill to a prior address. Unbeknownst to me, a balance was due and ended up in collections. I contacted Eastern Account and paid the debt In XX/XX/XXXX and requested a pay to delete, the representative stated that the account would not show up on a credit report as the amount was paid and settled. On another occasion on XX/XX/XXXX, I contacted Eastern Account and requested a delete from my credit as it had been settled and was met with hostility ; they denied request and denied my requests to speak to a supervisor regarding the matter as the debt had been paid.
Consumer complaint received 2022-09-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-11
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 (AZ)

I had a debt with a credit card company. I received a letter from them greater than 5 years ago stating that they could not do any legal action against me due to the age of the debt. Recently they have been calling 3-4 times a week though I have requested them not to call.
Consumer complaint received 2020-06-24
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. (CA)

I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services (MT)

The XXXX XXXX XXXX sent me a letter future-dated XX/XX/2021 stating that a correct copy of the certificate to levy my bank account. On XX/XX/2021 they levied my bank account for {$1700.00} without my knowledge. nd did not provide any of the following information that I requested : 1. ) What is the debt for?

2. ) Proof that this was my debt?

3. ) What date the debt took place?
Consumer complaint received 2021-07-13
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: CITIBANK, N.A. (NJ)

the following account appears on my credit report, without authorization, it does not belong to me, it is hurting me Identity Theft CBNA Account Number : XXXX This is not mine.
Consumer complaint received 2019-05-16
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. (MI)

I contacted Transunion regarding inquiries on my credit report. I sent a letter directly from the creditor that placed the inquiries on my credit report as requested by Transunion representative. The letter states that they are agreeing to remove the inquiries from my credit report within 60 days ( Please see attached letter ). Transunion has failed to preform an investigation to remove these inquiries which is violating the Fair Credit Reporting Act. I would like the following inquiries removed from my credit report. XXXX XXXX XXXX VIA XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/2018 I opened a checking account with capital one 360 deposited a couple checks, they froze my account then closed my account but I still have not had access to funds in the amount of {$300.00} they say my account is closed but yet refuse to send me my money
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L. (FL)

In XXXX my mother was served with papers for an amount owed to XXXX XXXX XXXX in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Donald R Conrad P.C. (MI)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX I am constantly called, sometimes multiple times per day, by this debt collector. 

In XX/XX/2017 I submitted a request to the office to cease with the phone calls and only communicate with me in writing. I have only received one written notice from them. 

Furthermore, in XX/XX/2017 I submitted an offer to pay 25 % of what is due. I never received a written response from them. 

For the last several months, I have received a multitude of calls from this office. Most recently from XXXX Other numbers include are a variation of XXXX
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I have a Chase checking account. On XX/XX/XXXX I received an email notification that a XXXX recipient was added to my account. The email prompted me to pay the recipient and also informed me to contact Chase customer support if I did not add the recipient ( see webmail screenshot ). I did not add this recipient nor did I authorize this transaction. I immediately contacted customer service and logged into my Chase account. I found {$4700.00} was transferred out of my account through a XXXX transaction to the recipient that had been added moments earlier. I submitted a fraud claim and Chase denied the claim suggesting that they could not prove fraud ( see attached XX/XX/XXXX letter ). I appealed and again they denied the claim for the same reason. ( see attached XX/XX/XXXX letter )