davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (UT)

On or about XX/XX/XXXX I went to the local XXXX store to upgrade my cell. The salesperson said they had a special for upgrading to include 2 tablets. I really didn't want or need the tablets but agreed to try the new cell ( I opted for 2 upgraded phones ). A week later I decided I didn't like the new cells and didn't want the tablets ( didn't use them, still in box, but salesperson insisted on activating the tablets ) I returned the tablets & phones to the store and was given a device return slip for both tablets and the phones were just an exchange for 1 upgraded phone. I also called XXXX and they saw that the tablets & cells were returned and gave me a credit for the early termination of the unwanted tablets & phones. I was told this wouldn't be a problem as they had an exclusive " holiday return from XX/XX/XXXX to XX/XX/XXXX '' and I wouldn't be responsible for an early termination. Well then a few months ago I started to received messages on my new cell ( new # was given to me when I got the new phone ) The messages asked that Aldous & Assoc be contacted and they were trying to collect a debt. I couldn't understand why as I was told & received the return device receipt and assured by XXXX nothing was owed. The cell messages from this firm were on a weekly basis and I had my husband speak with the " law firm/collection '' company. They were rude to him and began yelling. My husband asked them to send a verification of debt, they said they had but the address they had was not even correct. We gave them our current address and they denied receiving anything. Called them back and they said to send a self stamped address envelope with proof of the cancellation & return of the devices, which we did. Last week another call came in asking us to call again, then a letter saying we owe {$600.00} ( down the from {$700.00} ) they said we owed for the tablets. The last paragraph stated " At this time no attorney with this firm has personally reviewed the particular circumstances of your acct ( which the acct # was also wrong ). 
So if they haven't reviewed our XXXX device return receipt and the account is wrong, why the abusive phone calls and letters with incorrect information. This is very disturbing to be accused of a debt that is totally wrong. This law firm/collection company has multiple complaints ( over 183+ ) saying the same thing and threatening to take people to collections without reviewing the information sent. This is being labeled as a " Scam to collect debt '' by using tactics that are illegal. I wish to have this reported and an investigation done on the unfair credit practices they have tried to get away with. Totally unethical business practices and needs to be stopped.
Consumer complaint received 2022-03-31
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. (TX)

I XXXX, XXXX XXXX submitted the attached dispute to Experian on XXXX XX/XX/2022. 

Upon review of my rights and reports I submitted a dispute to the credit bureaus requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

The issuing bank is Fifth Third Bank, credit card ending in XXXX. 
In XX/XX/XXXX, I closed a checking account with 5/3. There was an ach of {$120.00} to XXXX  XXXX XXXX that was made on this account. I disputed this charge twice, denied both times and paid 5/3 the {$120.00} + late fees and interest charges totaling {$330.00} on XX/XX/XXXX. See attachment statement dated XX/XX/XXXX. 
This was not the full balance and I asked 5/3 to waive the remaining {$38.00} late fee. They have refused to do so and have continued to add late fees and interest to this account. See attached statement dated XX/XX/XXXX. 
I have sent numerous messages both online and by phone. I have even filed a complaint with the XXXX with 5/3 refusing to resolve this matter and stating they would no longer communicated with me. 
I'm seeking the balance, as of this date of {$160.00} be waived. This balance is only late fees and interest. I also want this account closed.
Consumer complaint received 2020-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was buy some medical in an pharmacy named " XXXX XXXX '' with my BOA credit card in XX/XX/2020, but I was charged twice! I submit an ticket to dispute the charge but danaid by BOA. I should only be charged {$160.00}, but I charge twice!
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am filing a complaint with Experian in regards to inaccurate credit reporting. I sent in a total of 4 letters in all in regards to reporting inaccuracies on my report. In the first letter, sent on XX/XX/2018, verifiable proof was asked in regards to the account issue at hand. The results came back verified and updated. As I read through the results, only one of the two items was updated. But the last remaining item was neither updated nor verified to my specifications. I disputed the accuracy of their results in a second letter, sent on XX/XX/2018 asking for verifiable proof and documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Once again, when the results came back, they were labeled verified and updated, which again after reading the results mean that nothing was updated on my report nor verified to my specifications. Experian gave me no information on how they verified their information or the process they used to do so. I was given the round-a-bout answer which meant that again nothing was done. A third and fourth letter was sent to Experian on XX/XX/2018 & XX/XX/2018 respectively, to once again dispute the results. In letter 3, I indicated that Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) in letter 3. Finally in letter 4 to describe the procedure that Experian completed to verify the results. After letters 3 and 4 were sent, Experian stated that they REFUSED TO INVESTIGATE FURTHER. Experian still has not provided any information on how they verified their results and have directly violated the Fair Credit Reporting Act by actively refusing to investigate my matter and do their due diligence by investigating fully, thoroughly and accurately.
Consumer complaint received 2019-10-21
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: NAVY FEDERAL CREDIT UNION (NV)

XX/XX/2019 To : Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. 
This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? 
I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. 

Thank you for your time. 
XXXX XXXX XXXX.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (OR)

I contacted the collector Spoke to XXXX he stated they agreed to settlement of 1/2 the debts of {$200.00} would send me a letter send me a letter of agreement. I never received it I called as I was notified by my credit report today XX/XX/XXXX I owed the full amount and the account is open to XXXX XXXX XXXX. I called to question the account to be paid as agreed the gentleman stated because your trying to buy a house you have to pay the debit in full before we will remove it, or it will stay on your credit as unpaid he refused to accept me any assistance to show account was settled
Consumer complaint received 2019-10-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am having a problem with my mortgage servicer, PHH Mortgage Services. I am U.S. military, and in XX/XX/2019 I set up a payroll allotment via myPay to pay my mortgage every month. XXXX XXXX XXXX XXXX ( XXXX ) ( in XXXX ) sends out payments of {$1500.00} in my behalf on the first day of each month. Until now, PHH has  been receiving my payments OK, although a few months ago they called me and said one of my payments was late. This month, however, they called me ( on XX/XX/19 ), said they hadn't received my XX/XX/XXXX payment, and said they were adding a {$37.00} late fee onto my bill. This is the first time they have ever demanded a late fee. I called PHH again on XX/XX/19, and they again denied receiving my XX/XX/XXXX payment in the amount of {$1500.00}. This money is missing. I went to my local finance office and had them put a trace on the funds.
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (VA)

Paypal withdrew money from my account to pay for Paypal credit without my permission. I wasnt prepared to make the payment. Baiscaly I had an amount due w/PP Credit and I had cash in my normal paypal account. Apparently they can just take that out without consent. I dont see how thats fair.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Violations XXXX XXXX XXXX XXXX  {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-03-31
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-03-31
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)

As of today XX/XX/31 Equifax closed their investigation into my credit report. This did nothing. My credit score shows XXXX. Ive had a credit card for over 10 years, a car loan, utility payments, rent payments, etc. Equifax has refused to fix this problem for the past 4 months. XXXX and XXXX show my credit score is over XXXX, yet Equifax shows my credit is nonexistent.
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (FL)

Factual or Inaccurate Errors regarding LVNV FUNDING ( Debt Buyer ) and RESURGENT/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX ( Debt Collectors ) Account reporting One Month Term. 
I have never signed nor made any terms/agreements with any of the collection agencies listed above or elsewhere. 

Account reporting as 120 days late. 
I have never opened an account with any collection agency and have never promised to pay monthly payments. 

Account is reporting as an Installment. 
No terms nor agreements were made when any of the listed or non-listed debt collectors purchased said debt from original creditor. Collection accounts are not installment accounts. 

Account reporting the debt as revolving. 
Inaccurate After multiple disputes this debt buyer has " closed account '' ( as if I had an account with them directly ) as of this month ( XX/XX/XXXX ) and marked it as a charge-off ( as if they are an original creditor instead of a debt buyer or collector ). 

- I recieved letters that were made to look as if they are lawyers ( XXXX XXXX XXXX XXXX ). 

- I have been offered debt settlements from different collectors whom LVNV has given my information to ( RESURGENTXXXX XXXX  XXXX XXXX XXXX and others ) that has caused confusion regarding said debt. 
ers ) that has caused confusion regarding said debt. 

- I have been harassed constantly since XX/XX/XXXX with hundreds of letters, emails, and calls from these companies. Yet, despite disputes will not remove inaccurate information and continue to submit inaccurate information, which has significantly harmed my credit - I have requested via Resurgent that these errors be resolved with no reply from company. 

According to my consumer rights, I have the right to have my credit reports reflect accurate information.
Consumer complaint received 2023-04-02
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. (PA)

I have multiple late payments on my account that are inaccurate and I tried resolving the issue with the reporting agencies in which they responded with " account verified ''. I was never provided a copy of how the account was verified and my report is still showing these inaccurate late payments for XXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; and XXXX XXXX XXXX, XX/XX/XXXX. I have sent in multiple letters requesting that these late payments be removed because they are inaccurate and wrong.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (PA)

This account is a medical claim for which it was paid by my health insurance. There is one for XXXX $ and one for {$850.00}. I gave company ins.company name and this account was handled by insurance. Therefore this account does not belong to me anymore and I want this off my credit report.
Consumer complaint received 2020-07-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (KS)

Fay Servicing , LLC has documentation that is not consistent on loan. A letter was attached that had a person name unknown to me XXXX XXXX, from XXXX, GA request for taxpayer with the loan # XXXX, the loan # created by Fay Servicing , LLC was XXXX. Also the Investor info is not consistent mentions XXXX that is affiliated with XXXX XXXX XXXX XXXX. XXXX XXXX is still trying to collect on the account and XXXX XXXX was the Investor backed by the government. Data breach has been involved ( see attached document ). My loans has been mixed up and when I call XXXX XXXX they still can see the loan Home Mortgage # of XXXX on file, they are acting as investors as well as services.
Consumer complaint received 2021-06-02
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. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had a Capital One 360 Account for over 3 years. Capital One 360 Accounts are online accounts that are advertised as " no fee '' accounts. 
When a member wants to make a remote deposit via their cell phone, the check amount must be entered when depositing a check. If the check is not even and has cents, a member can not enter cents. So for instance, if the check is for {$50.00}, the member must either enter {$50.00} in the 'deposit amount ' area or {$51.00}. If the cents is {$0.00} or greater, historically I have rounded the check amount up. If the cents amount is {$0.00} or less, historically I have entered the check amount as equivalent to the dollar amount and would not round up. So in XX/XX/2021, Capital One held a check that I deposited remotely and claimed that I entered an incorrect check amount. 
No one can enter the correct check amount because cents can not be entered. 
I am requesting an investigation into the Capital One 360 check deposit bank practices as their withholding of my check caused me to incur late fees for a bill that I attempted to pay. 
I had recently reported Capital One for other unjust practices just a month prior and I believe that I was retaliated against and this was why my check was withheld. There was no other reason for my check to be withheld other than retaliation. Historically I had always entered remote deposits that way. After over 3 years, why the sudden change?
Consumer complaint received 2021-06-02
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: JPMORGAN CHASE & CO. (NY)

Please have this accounts remove from the 3 credit reporting agencies as they does not belong to me and i need them to be completely erradicated. Here i let a list of the accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX. 
No clue why this is still on my account as its been closed. 

Department of XXXX This account was suppose to be deferred. Why isnt it?