davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc. (WA)

On a weekend not during business hours Reliable Credit made multiple attempts to contact me regarding collecting a debt. I informed them several times that I would be making a payment when the money was available. I am a fully permanently XXXX vulnerable elder adult. I receive very limited XXXX funds. I am already in direct contact with Social Security XXXX  regarding a possible error on their interpretation of reported income in XXXX and XX/XX/2020 in the XXXX XXXX  XXXX  XXXX isolation after I was laid off from the U.S. Census Bureau 2020 contract and PT work. At this time there is a pending investigation and at the time of Reliable Credits repeated attempts to collect a debt more than twice on a day, Weekend. I texted them to CEASE AND DESIST AT LEAST twice when they were attempting to collect a debt. They ignored my requests and continued to repeatably attempt to collect the debt. And told me they could not stop contacting me via phone, when I submitted texted stating my situation multiple times. And that I was required to speak to them directly on the phone for further resolution. My phone service is limited. and as said before I was not only in financial hardship when Reliable credit attempted these harrassing calls. I have made a minimum payment at this time. And because of a refund I received from the U.S. Department of Education related to my filing permanent and full disability and forgiveness of my student loans I will be paying more than 90 percent of the total payoff of this loan. In the meantime, they continue to charge me late charges, and or unwarranted penalizing fees due to my inability to make the payment less than 3 days ago. They claim I am in default and are unwilling to discuss any further details on this matter. The payment I made should post to the account within 24 hours. And the 80 to 90 percent more of the total payoff of this loan will post by end of next week.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts : XXXX XXXX XXXX  XXXX XXXX ; Account # : XXXX XXXX  XXXX ; Account # XXXX XXXX  ( XXXX  XXXX XXXX ) ; Account # XXXX XXXX  XXXX XXXX ; Account XXXX XXXX XXXX XXXX, XXXX ; Account # XXXX Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, XXXX XXXX XXXX for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer.

Please Delete, Remove and Block All Information Regarding These Accounts Immediately.
Consumer complaint received 2021-09-14
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: BMW Financial Services NA, LLC (PA)

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

8. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

11. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft U S DEPT OF ED/GSL/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

On XXXX XX/XX/2020 my PayPal got limited permanently for a period of 180 days XXXX 6 months XXXX. It's now 14 months down the line and yet I haven't received my cash nor the limitations lifted. After the days were over I tried withdrawing the cash but I am still unable. I have contacted the customer care PayPal but they are not lifting my limitation. 
Case number XXXX Email address : XXXX XXXX
Consumer complaint received 2023-04-24
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. (TN)

This in regards to Dispute Confirmation # XXXX with Equifax. Their dispute process on fraudulent inquiries is unacceptable. They are required to remove fraudulent inquiries from my credit report as I provided them with an Identity theft report stating this inquiry was the result of identity theft. XXXX removed them immediately but Equifax sends back and automated type response the investigation is closed and saying " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This is NOT a factual record! This fraudulent inquiry needs to be removed from my credit report immediately.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (TN)

My vehicle was totaled with my child and I in it, the airbags didn't deploy, but not once have they asked of my or my daughter 's well being, if it affected my ability to get to work and get paid, just about money $ $ $ and they were given payment by insurance on the XXXX of last month it is now the XXXX of the next month and they have still been calling me on a daily basis twice a day harassing me about payment when they received XXXX, still charging me past due payments? and they are still waiting for stuff from Gap and consistently calling about your responsible for the account and all that jazz which I have explained I can not afford that car note plus another that insurance and gap is handling it. They have been asked to stop while I retain the last of the parent after they told me they would take care of it, which I come to find from one of the harassing calls that they don't do this, but then supposedly sent all documents to GAP? This company and it's product has been nothing but trouble from day one.
Consumer complaint received 2022-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CT)

On XX/XX/2022, I received a XXXX credit alert from XXXX and XXXX  that a new account has been added. I was surprised because my credit has been frozen for a year and I have not applied for any new credit. When I logged into XXXX, I noticed that Aldous and Associates, a collection agency, had been added to my credit file in the amount of {$76.00} for XXXX XXXX in XXXX. I immediately disputed this as I have NEVER had a gym membership in XXXX nor have I ever received any bill or notification in the mail for this amount. I suspect someone took out a membership in my name. I immediately filed a dispute with XXXX, but when I called XXXX  they said they could not locate the collections on my report, yet it was added to XXXX  and then later on to XXXX, both credit monitoring services for XXXX. This is very upsetting to me because it is not my debt, I have never had a membership for XXXX XXXXXXXX in XXXX, nor have I received any information or warning from XXXX XXXX or Aldous and Associates before this was added to my report. If I knew that a debt was being collected in my name, I could have worked this out with XXXX XXXX to explain that this is not my debt and something is wrong. Now, my credit score has taken a significant hit. I checked my XXXX  and XXXX reports and this collections account is not there, but I am worried it will fraudulently be added to those accounts as well. I work VERY hard to maintain a good credit score and have never paid any bill late or had any kind of negative mark on my account. This is very upsetting to me considering it is not even my debt and I never received anything in the mail notifying me that XXXX  XXXX was trying to collect a debt, let alone one that is not mine.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (IL)

I received a notice of collection from Nationwide Credit and Collection , Inc for {$40.00} on behalf of XXXX XXXX  XXXX XXXX. The debt has already been paid to XXXX XXXX  XXXX XXXX via their online payment processing system. A formal dispute letter was mailed to Nationwide Credit and Collection , Inc on or around XX/XX/XXXX.
Consumer complaint received 2021-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

See Capital one case ID XXXX On XX/XX/2021 my card was rebilled for {$5300.00} for a trip Capital One advised me to cancel due to my wife and I having XXXX. I did what they told me to do and Capital One still stole my money. 

I need government help.
Consumer complaint received 2022-12-08
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account nameXXXX XXXXXXXX # XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.this is a Fraudulent account
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have been receiving notices of failure to pay property taxes from XXXX County Tax Collector since XXXX of XXXX I called Amerihome to resolve the matter as soon as I received the first notice. I was assured the taxes had been paid and that Tax collectors do this all the time phishing for money. Well, the notices kept on coming. I call and Amerihome says the taxes have been paid. I get a final setoff debt final warning and that they will advertise in the paper that I haven't paid my property tax. I call a sixth time to resolve the matter and ask that proof of payment be mailed to me. The agent said that an investigation will be done and proof will be mailed to me in 7 to 10 days. A month goes by and still nothing. I called again, speak to a supervisor named XXXX. I request she over nite proof of payment and that she call me back to resolve this. She said she would indeed do that as well as send proof of payment to XXXX  County. None of this has happened. I call again and explain my situation and get hung up on. During all these calls I was always polite. After the call I call the county tax collector and initiate a three way call with tax collector on the line. We learn that payment was submitted twice via wire to a third party who was supposed to cut a check then mail to county but he sees that some how the checks never made it to the county, could we please hold briefly while he investigates. The AmeirHome agent never returned to the call. We held on the line for 45 min. Still XXXX  County has yet to receive payment and my details have been published in the paper as not paying property taxes. I have been receiving texts from unknown people asking if I own the property and if I wan to sell. Not sure what else I can do but file complaints with as many agencies as I can. And that's exactly what I'll do. One of my Neighbors is a State Senator. Perhaps I'll knock on his door.
Consumer complaint received 2021-09-14
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. (CA)

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 advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 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 that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I went to the Emergency Room at XXXX XXXX on XX/XX/XXXX and even though I provided my health insurance card information I started receiving invoices from the agency Credit Collection Services. During XXXX, I contacted XXXX XXXX Department on XX/XX/XXXX, XXXX and XXXX and they told me they sent the invoice to the health plan. After more than 1 year, I contacted XXXX Billing Department on XXXX and XX/XX/XXXX and informed Credit Collection Services was sending me invoices through mail for a bill that was paid by my health plan. The agent XXXX from XXXX XXXX Department told me that the issue was solved and that XXXX should not be sending more invoices to my house. On XX/XX/XXXX, I contacted Credit Collection Services and spoke with supervisor XXXX XXXX who told me my explanation of benefits wasn't enough because XXXX Faculty Physicians never removed the hold in my case. I explained XXXX XXXX that the explanation of benefits clearly shows that my health plan paid for the services and there was XXXX charges for copayment. On XX/XX/XXXX I contacted XXXX Billing Department again and agent XXXX told me that she was going to refer my case to her supervisor because the case was closed with CSC on XX/XX/XXXX. 

I can't believe after 1 year, the Credit Collection Services agency is sending me letters and telling me that I owe {$170.00}. I provided evidence through the portal www.ccspayment.com that shows I don't owe anything for copayment for the services provided on XX/XX/XXXX by XXXX Faculty Physicians. Also, when I called XXXX Billing Department they told me they close my case with CSC. 

XXXX XXXX DEPARTMENT XXXX CREDIT COLLECTION SERVICES XXXX
Consumer complaint received 2021-03-11
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: Avant Holding Company, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXAVANT XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

My credit card was stolen on XX/XX/XXXX or XXXX off 2021 and the person applied four or five charges that totaled about {$350.00}. I talked with Citibank fraud department and explain the situation as they were the ones that informed me that my credit card was probably stolen. They sent me a message on my app asking if my credit card was in my wallet. I opened my wallet and found it was not there thanks to them I was able to close the account. The problem is a few days later someone came to the shop and said they found my credit card in the parking lot. I explained this to Citibank fraud department and they assume that sense the person returned it that it was in my possession the whole time. I explained over and over that the card was stolen it shows getting gas at one place twice in one day. I even filed a police report to help Citibank fraud department believe me. They said they would get back with me and they never did 2 months went by so I finally called them back and I'm still having the same issue with Citibank. They just pretty much blew me off and want me to pay for the charges that I did not apply to my credit card I did everything in my control to get them to believe me but to no avail they believe that I am lying. I've never had such a problem with a credit card company and my credit is excellent I have no reason to lie about some charges as I paid all the other charges that were applied to the card except for those that I know that are not mine. I'm out of ideas this is why I have to call you to get some help with this issue. Thank you and I look forward to hearing back from you
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

Comenity Bank increased my monthly payment by {$1.00} without my knowledge ( I was hospitalized when I made a payment online ) and has since charged my {$250.00} in fees for this {$1.00} mistake.
Consumer complaint received 2022-07-14
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. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.