davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX was informed of my late payment in XX/XX/2020 due to COVID 19 and I sent in documents twice explaining my job loss and difficulty paying on time due to COVID for 1 month. I paid off my loan amount and they promised to remove the 30 day late payment. It's been 3 months and Ive constantly asked them to remove it after they promised to remove it. 

Its on my Experian report and it's hurting my scores detrimentally. I would really like some assistant with getting a response out of them on why it hasn't been removed yet. It's not reporting on my XXXX or XXXX.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IN)

I just had a credit report done and find that XXXX XXXX is on my credit report I never apply for credit with them. Their reporting that I apply on the report in 2011 I was under XXXX year old at that time. Also on my credit report they reported my name spelled different and different social security number and date of birth with also different residential address. They also was report all this different phone numbers .I filed a dispute with the credit bureau and this time and put a fraud alert on my records. I also have not receive a letter from in the mail for this credit card. On my credit report it states my current address and they have not sent no letters or I would of told them this is not mine bill. This is not my debt. I also was puzzled Midland Credit Management is not showing this debt owing on my credit report. I saw the XXXX XXXX on my report and disputed this creditor and they sent told me they sold account to MCM but this is not mine bill.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I submitted a claim against Wells Fargo Mortgage Company back in XXXX, 2015. My complaint number is # XXXX. 
The essential claim was that Wells Fargo Mortgage Company intentionally manipulated the appraisal for a house my wife and I were buying in order to charge us PMI. 
The Wells Fargo controlled appraisal came it at {$210000.00}. This figure was woefully under priced for the house we were purchasing. Eventually, we went to another bank and applied for a mortgage with them. Their ordered appraisal came in at {$240000.00}, which was very representative of the new house we were purchasing. We incurred a significant monetary loss by needing to reapply to a second bank at the last moment in order to save our deal. 
I submitted the details for Wells Fargo 's manipulation in Claim # XXXX. 
My wife and I wish to resubmit this original claim, in light of Wells Fargo 's proven corruption and illegal banking practices. 

Thank you for reconsideration of Claim # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (ID)

I got a letter from XXXX XXXX XXXX stating I owe on a XXXX account in which the account number does not match my credit report for XXXX. They are saying I made a payment in 2012 in which I did not. My XXXX account has been paid off as agreed and now the attorney wants proof of that. But they have a different account number. I do n't understand I think its fraudulent. The balances from both accounts are similar but they do n't even match. The attorney is sending me a dispute packet. They have submitted court documents also ... this is n't fair.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AE)

I received a flyer from American Express asking me to sign up for a business credit card and spend {$10000.00} w/in 3 months to receive XXXX points. When I tried to use the code and sign up online, their website kept telling me it was having problems and to call and sign up. When I did so, I made sure the representative was signing me up under the XXXX reward points code. After fulfilling the {$10000.00} spend requirement, I noticed I was only given XXXX points. I contacted AmEx numerous times, being told that although they confirmed I was offered the XXXX point offer, that I was signed up under XXXX point offer. This is fraud, they intentionally enticed me with the XXXX point offer, then ensured I had to call instead of signing up online where I could have verification of the correct offer ( the rep told me that they make everyone call ), then switched offers after verbally telling me I was getting the XXXX points. Classic bait and switch.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CO)

back in XX/XX/2020 {$20.00} and {$19.00} was taken out and it was told to me it was cancelled. Nothing else was going to be taken out of my account by Lexington Law Representative. Then I check my account and {$19.00} and {$89.00} was taken out of my account without my authorization. These people are constant harrassing my husband and when the account was told to me it was cancelled. But this happens I called to Lexington Law asking for a manager and instead of getting me a manager they give to client services and I had on hold constantly for over 1 hour not stating how they are going to resolve my issue.
Consumer complaint received 2023-03-30
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. (TX)

You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a phone call from a XXXX XXXX of XXXX XXXX XXXX with an address to a P.O. Box in XXXX XXXX, TX. The number they called from was XXXX. They claimed that I owed money on a Household Bank account from 2004. I asked them to send me the information on a letter head to my email in which they did. I told them I had settled an account from this bank previously I believed I no longer had an outstanding account. I told them I would call them back after I went through my files and called the bank. I called Capital One who had obtained Household years prior. They were able to look up all accounts using my Social Security number. They had found one previous account that I had satisfied years prior. The account number XXXX XXXX XXXX has told me and put in their letter was an account number that was never held by me. I called XXXX XXXX XXXX back to tell them they were mistaken. They insisted I needed to pay them today or it would have long lasting damage to my credit. I asked them for a physical address hitch they would not provide. I asked them if they could give me more information on how they obtained my information or my apparent delinquent account in which he told me he could not.
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Critical Resolution Mediation LLC (WI)

This company number appears on my phn for at least 100 times in the last 1 and 1/2 years. will not stop calling even after I have threatnd them with litigation. The number is traced back to XXXX california. Contacted XXXX and they say they do not have me in there data base but a day later the same number comes up XXXX. When you call this number back they answere as critical solutions.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, account XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 

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

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Naviant/pioneer attached my wages. I tried contacting them to resolve the issue. I finally had to hire a lawyer to get the matter taken care of. Pioneer was impossible to get a hold of. They repeatedly gave my lawyer incorrect phone numbers and addresses would n't return paperwork. It took three to four months to finally get the information we needed to request a hardship hearing. XXXX I received a hearing decision to reduce my garnished amount from 15 % to 1 %. as of XXXX Pioneer had not sent the letter to my employer reducing the garnishment. As of today XXXX I am still being garnished 15 %. According to Federal Student aid as of XXXX my remaining balance was {$100.00}. My wages were attached for XXXX on XXXX, XXXX on XXXX, and finally XXXX on XXXX totaling XXXX, XXXX over what I was supposed to pay.
Consumer complaint received 2017-01-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Adjusters, LLC (TX)

I have asked this company several times not to call my job and they continue to. They called from XXXX on XX/XX/2017 @ XXXX, XX/XX/XXXX from XXXX @ XXXX, XX/XX/XXXX from XXXX @ XXXX and XX/XX/XXXX from XXXX@XXXX They continue to call my job daily. If they do not stop I will file a lawsuit for harrassment against them.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with XXXX, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been a SunTrust customer for decades, when it was XXXX XXXXXXXX XXXX. 
On XX/XX/XXXX I wrote a check for {$47.00} to pay my water bill. I mailed the check at the U.S. post office. 
I discovered on XX/XX/XXXX that the check had cleared my account on XX/XX/XXXX for {$6300.00}. I called SunTrust on XX/XX/XXXX and spoke to a person who said she could see that the Payee, Date, Amount, and Signature had been altered. The fraud department opened a case number to investigate what had happened. 
I found online information about the fraudulent payee and took it to my branch on XX/XX/XXXX to be shared with the Fraud department. 
On XX/XX/XXXX I called the Fraud department. An escalation was placed on the case and I was told to expect a response in 2 business days. 
I called again on XX/XX/XXXX and was told there was no activity on the case. 
I called again on XX/XX/XXXX and was told the case was in process and usually takes 120 days and I should expect finalization by XX/XX/XXXX. 
I called on XXXX XXXX and was on hold for 45 minutes with no response.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

I paid my account off and close the account. I did this 15 days before the due date. I found out I still owe interest rate on the account because they printed a statement after the XX/XX/XXXX.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (IL)

I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (WI)

I received a suspicious email from a XXXX XXXX representing XXXX XXXX XXXX stating that I owe XXXX. That the payment needed to be paid today or I would be arrested and jailed. Never heard of this complaint before today.
Consumer complaint received 2015-09-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (VA)

I have received reward dollars on a Debit card issued by Money Network. They have my money on the account and are holding it claiming the Federal Government requires them to collect sensitive personal information about me before they will release the funds. Everything I see and read about this Money Network is a horrible review and I 'm in fear that my personal information is now in jeopardy. I wish to report their business practices and unreasonable demands on their patrons.
Consumer complaint received 2015-10-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!
Consumer complaint received 2022-08-09
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)

XX/XX/XXXX of 2022 I submitted a dispute with Experian 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, Experian update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. Experian along with the other two credit bureaus XXXX and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (FL)

I am not aware of a credit charge from First Federal Credit Control. 

This reflect an original creditor of XXXX of XXXX Florida in the amount of {$210.00}. The open date XXXX XXXX, 2014. I am disputing this charge as i have no knowledge of this charge. Please assist. 

Thank you.
Consumer complaint received 2022-02-03
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. (GA)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-07-19
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. (NC)

Someone pretended to be an employer from indeed. Hired me, then sent me a welcome packet which consisted of me filling out an I-9, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts.

I have 18 inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Addresses reported on my consumer report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX