davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

Had account with XXXX. Paid my bill every month. 6 months ( XXXX to XXXX ) after opening account, utility co sends bill for {$940.00}. When I called they claimed they did n't read my meter properly because they could n't get to it and this was the " back bill ''. Strange thing is, they turned my gas off due to potential leak the week prior to receiving this bill because the meter reader said the meter was acting weird which tells me they obviously had access. Meter was on side of house in front, no gates/dogs/other obstacles. When I called and explained this, the customer service rep told me ( exactly ) " well, you must have moved your fence recently ''. Instead of acknowledging their error, they accused me of basically relocating my fence lines to inhabit access and then moving them back, which due to the yard set up would have been physically impossible. Gas bills typically run approx {$60.00} a month. Not only did I pay between $ XXXX each month, they are trying to tell me my gas bill was really an extra {$150.00} a month which is n't feasible. We left at XXXX every day and came home around XXXX. Did n't run the wall heater, only used electric heaters and rarely cooked because the oven did n't work and the stove was sketchy. I spoke to neighbors ( who would have been even more difficult to reach due to the dirt road further down in winter ) who used their gas all day every day with fireplaces, heaters, ect and they all vouched for never seeing a bill over {$100.00} and that was worst case scenario. The gas company has refused from the beginning to provide any sort of proof/documentation after repeated asking. They refuse to send me back receipts of all my paid bills. There is no possible way my gas bill was anywhere near {$200.00} a month. They insist they did n't have access ( because I apparently like randomly picking up my fence and moving it around I guess ) even though they proved they did when the meter reader shut off the gas due to a glitch on the meter. As far as I am concerned, my bills were paid, I cut them a payment every month for what they billed me for, I do n't owe them a dime more. This collection account is pure fraud. They are trying to collect money not owed to them, they know it 's not owed and that 's why they ca n't provide a single shred of legitimate documentation and refuse to provide me with a full disclosure on every bill sent to me and the payments made. When a company attempts to accuse you of manipulating landscaping and bully you instead of providing the information requested, they know they are wrong. I have disputed this through the credit bureaus numerous times and have gotten nowhere. I 'm tired of seeing this fraudulent charge on my report and having to explain this ridiculousness every time I go to get a car or rent a house. This collection company has either been totally duped by XXXX or they are even more crooked then the utility company by continuing to collect on a false debt.
Consumer complaint received 2016-10-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

Ford Dealership XXXX TX did not give me the incentive packages that I was qualified for. Ford Motors was running a {$2500.00} cash back offer on new Ford Transit XLT, I was not given this cash back and was told to put down XXXX for XXXX cars. In addition I was told my credit score was too low to receive 1.9 % APR on both the vehicles. The first vehicle was 3.9 % and the second XXXX was 1.9 % While in the finance room I left to get some lunch and my mother was conned to putting down {$5000.00} for XXXX cars for APR of 1. 9 %. I immediately realized this and refused to take delivery of the second vehicle. I feel that we have been lied to by deceptive trade practices, the truth in lending was not disclosed as we actually were qualified for 0 %. Ford Motor Credit is complicate like other large dealerships in knowing and abetting the unfair, illegal discretionary lending practices the dealerships are involved in.
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

First off, I could not find an appropriate description of my problem in the drop down menu for the question : " Which of these best describes your issue? " In XXXX I started to receive calls from a Simon Agency for unpaid medical debt since XXXX that I was not aware I had. After several conversations with them clarifying what they are asking for, as I believed I had paid all my medical bills, I ended up paying this unexpected additional claim for {$750.00} that they came up with. 

I just realized today that this XXXX delinquent medical bill I paid in full in XXXX XXXX has been reported as XXXX different delinquent accounts some of which for {$30.00}, others for {$18.00}, etc - all broken up. I spoke with this Simon agency today and they claim that these charges are for different doctor visits and therefore reported as separate accounts. However, I visited the same hospital and all the work was done within this XXXX hospital, and this was XXXX bill that was unpaid. I am XXXX person and I went to XXXX hospital that claimed I owed it money. I personally would not care how they reported but in this case this policy seems to be invented so as to hurt my credit score. I realize how beneficial this is to the financial institutions who can now use the excuse to charge me higher interest rates on any services I might need within the next 7 years. 

Unless you are part of the scheme created to hurt innocent citizens, I would very appreciate your backing me up and consolidating the appearance of these separate accounts into XXXX. 

Also, if your bureau really stands for consumer protection, I would expect you to go after such practices and remove them from existence before they occur. 



Thank you, XXXX
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2016-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (SC)

I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2018-05-26
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. (GA)

I have disputed XXXX XXXX and XXXX XXXX with Equifax multiple times. I have explained that these accounts should have been deleted according to 15 USC 1681 605 ( a ) ( 4 ) 15 USC 1681 605 ( c ) 15 USC 1681 605e XXXX XXXX and XXXX XXXX are the same account. The last payment made to XXXX was XX/XX/2010 and should have been deleted. Equifax has failed to report these account complete and accurate. There are many incomplete and inconsistent facts on this account especially the last date of payment. 

I have sent in documentation and XXXX XXXX just alters information with out correcting and deleting these accounts Equifax is in violation of 15 USC 1681 ( i ) 611 15 USC 1681 ( c ) 605 ( a ) ( 4 ) 16 USC 1681 ( c ) 605 ( c ) ( 1 ) 16 USC 1681 ( c ) 605 ( E )
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.
Consumer complaint received 2016-09-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (HI)

Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX. 

XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION (CA)

This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. 

As noted in
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Because I have tried to dispute incorrect information with this company and gotten no results or replies this is a better recourse. Because of a lawsuit filed against XXXX, a judgment against me has been removed. As well as collections of the Account and the account should show this status. I KNOW this has ALREADY been done as XXXX shows it when I look at my information there. Attached is cooperating proof of what is supposed to be done. Equifax has a history of not maintaining correct information not only for myself but for many others if the little investigation I 've done is any proof.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. ICOMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

I had a home discharged through the bankruptcy courts in XXXX. Now, I have XXXX mortgage companies harassing me over the unpaid debt. I have written them numerous request to cease and desist and yet they continue to harasses me on a weekly basis. XXXX XXXX has gone to the extent of repeatedly calling me on my cell phone over this debt. I would like this to stop immediately. I would also like to know if I can file suit against these companies.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (SC)

Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (TX)

Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed on my credit report.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (IN)

In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

I have disputed information with XXXX I have mailed information like they told me to do so that I can have this fraudulent information off of my credit. At the end of their investigation they said it was verified! I tried going directly through the collection agencies and they told me that if its fraud or the wrong person and to call the original company, but then when I contact the main company I 'm told to dispute it and then talk to the collection agencies.
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BlueChip Financial (TX)

Said they were sending a process server to serve my husband for a loan with Spot loans form XX/XX/2014. Said he was going to be charged with defrauding a company and presenting a bad check. 
He would be served if we did n't pay the {$1300.00} dollars.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

2014 48 months XXXX was the note but I paid XXXX for 30 months and XXXX 18 months. Wells Fargo has taken extra money from me. The billing address is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OR)

I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.