davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-15
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. (NJ)

I disputed this account on my credit report with XXXX XXXX and I was informed they no longer have my account. Now the account says in repossession and the car was repossessed over a year ago and the account was closed. The account now says open and is now reporting late payments from XX/XX/XXXX as if the payments were due XX/XX/XXXX. The information is inaccurate and false and damaging my credit  report.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

New relevant information. Not a third party unauthorized. Not a duplicate. DISCOVER : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM XXXX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.
Consumer complaint received 2022-12-15
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. (MN)

I received an email from this debt collection agency XXXX XXXX XXXX XXXX XXXX 

My rights are being violated in several ways. 

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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions. 

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.
Consumer complaint received 2015-09-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Williams & Fudge, Inc (AL)

The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (ID)

XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Consumer complaint received 2021-11-26
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Bureau last XX/XX/XXXX, and still nothing from them. The inaccurate accounts are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C. (MO)

I had an attorney who represented me in a collection case with XXXX. He entered into an agreement with Kramer & Frank in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of XXXX. I noticed that none of my payments was recorded by XXXX, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid Kramer & Frank? Why hasn't the XXXX account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want XXXX to recognize the payments and the debt to be satisfied as per our agreement.
Consumer complaint received 2019-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

For about the past six months I have been getting robo-calls from Hunter Warfield on pretty much a daily basis. There are two types of calls ... one does not mention any names. It says they are a debt collector and that I should call them about this debt. I have not called them back as I have been totally consumer debt free for over 10 years and my credit score is in the high 800s. 

The second type of robo-call is one asking for my ex-wife. The message is the same, that she should call them regarding an outstanding debt. My ex-wife and I divorced 17 years ago. I don't even know where she lives. 

I have only gotten phone calls. No letters. 

I have hesitated to call them back as it then becomes a " war of words. ''
Consumer complaint received 2019-10-20
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: CITIBANK, N.A. (TX)

I made a reservation for a stay at XXXX XXXXXXXX for XX/XX/2019. 
On XX/XX/XXXX i utilized the link in the XXXX confirmation email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.in English now you can cancel until the moment of checkin ) .. i received a screen displayed message stating that the reservation had been cancelled. The reservation was removed from my list of active reservations and when i entered my confirmation number into the system i again viewed the message that the reservation no longer existed. 
The XXXX, citibank, and XXXX are indifferent to my appeal and have charged me {$310.00}. A simple XXXX search reveals that others have met the same injustice.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I have submitted several request to Equifax about XXXX account that was paid in full. They claim they researched it but I do not believe them. I have a letter from company saying its paid, however, Equifax says they spoke to creditor and it 's not. I think they are not looking up information. The company wrote me a letter because of this issue. Please help
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/16 I mailed a letter to Equifax requesting all things on my report be validated on my credit report with original documents with my signature other wise it should be deleted off my report. These accounts were not verified with proof and remain on my credit report I want these accounts removed immediately!
Consumer complaint received 2016-01-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

I 'm XXXX years old and my KeyBank account has been compromised. By a attorney who has used fradulent documents to get access to my account. Which has allowed this attorney to get my privilege information. Which include my checking, saving and my investment information. When I first contacted KeyBank no one seemed to know anything about these actions. I went to court several times and there was no attachments. Then after the last time going into court this attorney told the court that he had my money. With out my knowledge I 've never been contacted at any time in regards to this issue. I feel very violated I never had any judgements at all never even been to court about this. Just out of the blue he choose my name to include in his scam. Preying on the XXXX trying to get there money which is basically stealing.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUSTMARK CORPORATION (MS)

trustmark bank holds my note as a mortgage, for several months ive ask trust mark to explain why it is why every single month im stuck with a late fee, and no one that works for the bank does not want to explain why my im it with late fees, and my mortgage increases every month.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KEYCORP (NY)

The debt was forgiven by the bank. 

The account in question was a reward checking account at Keybank, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX Keybank located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that Key Bank had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX OH XXXX I am sending a debt dispute to this agency as well.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX  account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.
Consumer complaint received 2022-12-15
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Balance XXXX {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

In XXXX XXXX, I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit, this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX, I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying, " We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX, Executive Customer Relations, XXXX, Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However, he said he " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX, XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX, XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX, XXXX. From there, in XX/XX/XXXX, I moved with my wife to XXXX, XXXX. In the meantime, XXXX, doing their due diligence, did another investigation and finally recently deleted that collection item from their report. I encourage you to contact them to see what their decision was base on so that this issue can be resolved without proceeding to my next step ( contacting my Congressional Representative and Legal Counsel. ) After months of back and forth discussions/letters between me, the collection agency, the creditor and Equifax , I have NO idea how they can legally tie this account to me when I did not live at the address the account was established under, the social security number established with this account is not mine. They gave me no information on what they believes ties me to this account. I can, however, provide proof to a lawyer, if need be, that this account IS NOT MINE.
Consumer complaint received 2017-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NY)

have opened Discover Bank online savings account. When I have a problem crediting opening bonus to my account, I contacted the bank and XXXX XXXX XXXX, was assigned to my case. While at the outset he was attempting to help me resolving the problem responding to my XXXX letter, he then suddenly stop communicating with me and I was unable to reach him on the phone. I have left numerous messages, all of which have gone unanswered. Then I sent two letters in XXXX and XXXX which brought no response. I entrusted all my savings to Discover Bank and I should be able to get help when I need one. I discussed my case with an attorney who has explained to me that Bank is contractually obligated to credit {$100.00} to my account. The bank had an offer an offer which provided for {$100.00} bonus when I apply for first online Savings account by XXXX/16 and depositing at least {$15000.00} by XXXX/16. I am only XXXX and I did not have much experience with bank codes in my life. The fact that I did not enter the proper code code is immaterial. The code does not affect the terms and conditions of the unilateral contract that was created when I opened the account and made the required deposit. The bank employee should enter a credit manually if my code was wrong. I otherwise complied with the offer, fulfilled all my obligations to qualify for the bonus, kept and continue to keep all my lifelong savings on my account.
Consumer complaint received 2023-02-27
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I was Denied A checking account from XXXX XXXX XXXX on XX/XX/XXXX because I told told by the bank that my social security number that I provided is list as deceased from LexisNexis which is completely false! So I did went down to my local social security office and they have give me a letter to verify that I am not deceased, see enclosed letter. So I call and disputed it with LexisNexis, provided them with a my driver license and social security copies and LexisNexis told me that it was verified it and continue to report me as deceased and I have lost opportunities to obtain credit. Lexisnexis case number XXXX I called LexisNexis on XX/XX/XXXX and was told that the Deceased Notation { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX } were reported by XXXX, But I called XXXX on XX/XX/XXXX XXXX told that my personal credit file is ok there is no deceased notations on my file or reported by them. XXXX told me to call LexisNexis again because they couldnt assist me. I wish to resolve this discrepancy otherwise I will pursuit Lawsuit! 
Desired Settlement : Correction to a credit report ; Removed Deceased Notation { XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX }