davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (OH)

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Consumer complaint received 2020-10-16
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Consumer complaint received 2023-08-07
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-20
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. (KY)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX  XXXX XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I contacted the credit trade line and noted that the account had been re-aged since XXXX took over the account from XXXX. XXXX and I entered into a Settlement but re-aged the account to keep a derogatory mark on my credit report. I then complained to the XXXX credit bureaus and they only asked XXXX if the information was correct and XXXX said it was. Despite my providing proof of the settlement agreement, Equifax refused to delete the trade line from my credit report. They also refused to report the balance owed as {$0.00} since I paid per the settlement.
Consumer complaint received 2016-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hillcrest Davidson & Associates (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Capital Management Services, LP (LA)

Was called by them, long story short, I was threatened to have wages garnished, told I had a summons ( which I called and there were none ). Continues to call and leave harassing messages with the business office of the company I work for. Continual harassing calls to my cell phone. This company is engaging in bad and illegal debt practices. These calls to my employer and to me need to stop immediately. They are against the law.
Consumer complaint received 2017-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: The Leviton Law Firm, Ltd. (FL)

Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 360 Credit Consulting (GA)

I was referred to 360 Credit Consulting from a Mortgage lender. The credit company reached out to me and explained their services and I signed on with them in agreement that they would help me repair my credit. After 5 months of paying for credit repair nothing was completed on my file by 360 credit consulting. My credit score only increased because of me paying my bills on time or paying them off. I never received any phone calls or instruction from 360 credit consulting as promised. I paid the company {$500.00} for absolutely nothing.
Consumer complaint received 2015-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Recovery Service Incorporated (PA)

Multiple calls to my business and mailing to my residence from ARSI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, for a debt pertaining to a XXXX XXXX XXXX. He does not and never has worked or lived with me at this residence. I have a different middle initial. I have told the company multiple times it is not me. They have the wrong person. It was attached to my credit rating which I had to rectify with the respective credit reporting agencies. They continue to call, harass and mail me.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CONTRACT RESOLVE GROUP LLC (NC)

XXXX XXXX with a collection company has made several calls to my cell phone and work phone. He is very rough in how he talks to you. He tells you how to handle your business. He has also called my boss at my job and suggested that he give me some days off so that I can go get my finances in order. He discussed to my boss how much debt was owed. Everyone he has contacted ( even people that have nothing to do with the debt ) he tells them how much debt my husband and I owe and who it is too. He has even talked with other employees and told them we need to pay our bill. He even called our landlord and told him how much we owed. His practices needs to be reprimanded. The number to reach him is XXXX ext XXXX. His first call to me was XXXX XXXX at XXXX then XXXX XXXX at XXXX Then he called my work phone on XXXX XXXX at XXXX then again XXXX XXXX at XXXX and then contacted my boss on XXXX XXXX and told him how much debt I owed. ( See note attached ) He then called back to my cell phone once again on XXXX XXXX at XXXX He has since then called my husband on several occasions and a co-worker.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (FL)

i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.
Consumer complaint received 2020-10-16
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. (NV)

Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, XXXX XXXX reported the debt and was showing the same debt of {$3400.00} was unpaid. I contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted XXXX XXXX and their representative outright bullied me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to Experian and XXXX. XXXX  is currently working and investigating the dispute. Experian however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by the name of XXXX in XXXX XXXX who refused to give her last name, stated that Experian verified the debt with XXXX and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried TWIC -- once in XXXX and once in XXXX -- to get my free credit reports from XXXX  and Transunion. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly XXXX, Transunion just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months
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: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NJ)

In XX/XX/XXXX XXXX, XXXX University and/or its representative falsely certified eligibility to receive Perkins Loans funds on my behalf by forging my information. I have never taken out a Federal Perkins Loan or signed off on a Promissory Note to provide monies to XXXX University. 

UAS : The original loan servicer, sent to me thru the Consumer Financial Protection Bureau on XX/XX/XXXX a response letter stating that the Federal Perkins loan was placed with UAS on XX/XX/XXXX and on that date the loan became in deferment. Please see the attached letter. 

However, after a request of validation of the Perkins Loan to XXXX University, the current XXXX Department of Education loan servicer provided a Promissory Note from XXXX University, alleging that the Perkins Loan was signed and became effective XX/XX/XXXX. In addition I would like to point out that the XXXX does not include my signature. Please see attached. 

Attached is also the Financial Aid Award Year Summary, that I received from the Financial Advisor, XXXX XXXX on XX/XX/XXXX. The summary clearly states, Federal Perkins Loan {$0.00}. 

I also have dated correspondence from XXXX University in several failed attempts from XXXX University to get my signature for a Perkins Loan that I did not request, need or sign. This information is being provided to the XXXX XXXX XXXX XXXXXXXX. 

I am requesting that UAS and XXXX University remove all of the late payment of 120 and 180 days from my credit report with the Credit Bureaus immediately. 

I am also requesting that UAS and XXXX University have XXXX remove any and all collections from my credit report and remove reported Federal Perkins loans from the US Department of Education. IMMEDIATELY.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DC)

Late XXXX of XXXX, I made a purchase with Macys credit for a sectional, a rug, and a set of three tables. During this call I was dealing with placing an order for over 6 hours. The furniture representative and the credit department took a total of 6 hours to place my order. As a result of the wait the furniture representative told me she would apply 20 percent off the entire order to include the worry no more warranty, sectional, rug and tables. I was told that once items were delivered Id receive a credit to my account ( it was to warn Macys bonus money ). After the rug and tables were delivered ( late ) i had to call many times to get Macys credit to honor the 20 percent off. They finally honored it. The furniture ( sectional ) took almost one year to arrive every month Macys made an excuse and for the lateness they would give roughly XXXX off ( to be applied after delivery ). Well I finally got the sectional ( almost one year later ) and the 20 % is not shown. I called Macys the day it was delivered and every day after they would put me on hold and with my busy job I could stay on the line for hours so Id call the next day. Today I get a hold of a team lead XXXX from the presidential line and he refused to apply the 20 % that was originally promised to the sectional I told him it was separate from the late credits. He said Im not allowed to return the couch either since Ive had it for 8 days. I explained how long Ive been dealing with this. Ive spent well over XXXX in a year because I have an investment property fully furnished by Macys ( I had many issues with those deliveries as well credit charging double for items lost items etc ). Im very upset and I want the 20 percent promised to me or they can return the sectional at full price. It took so long and I threw away my old couch waiting for almost one year for this to happen Macys employee info : XXXX lead team presidential line call center Macys Florida employee ID XXXX sales check XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I received a notice from XXXX XXXX that a new collections was added to my credit report. I have been trying to fix my credit for two years, so I watch it carefully. I had to XXXX the name of the collections agency to find a way to contact them and I had no account number or idea where this debt came from. I called asking for clarification and they said they would mail it out, I did not receive it. I filed a complaint with the XXXX  that I never received a notice before they reported this to the credit bureaus and the company finally responded saying they had sent out a notice and attached a pdf of that notice. When reviewing it to see what it was, I see that they are missing part of my address, so the initial letter never even made it to me. They claim they never received it back as undeliverable, but I can not explain that. I am guessing it went to someone else in my complex, as they did not include my apartment number, so nobody would have any way of knowing who it belongs to. I simply wanted clarification and if it is mine, I should have a chance to pay it off before it negatively affects my credit, as it has. I am trying to purchase a home and this was a devastating hit to my credit. If it is mine, I absolutely will make arrangements to pay it, but it should not be on my credit report until I have the chance to do so.
Consumer complaint received 2020-10-16
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: TRUIST FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. 

In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.