davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

On XX/XX/XXXX I applied for a mortgage that resulted in a credit report being pulled, and I was shocked to see a collection from Credit Collection Services in the amount {$1000.00} for a medical debt. Having had excellent health insurance in the past few years, and also not having been to the doctor in the past few years I was very upset to see this on my credit report destroying my credit score and rendering me unable to secure the housing I desperately need to secure for my family. 

On XX/XX/XXXX I contacted Credit Collection Services to inquire as to the nature of the debt, and they explained to me that this is for a XXXX XXXX unpaid bill from XX/XX/XXXX. Since I am in a very sensitive time crunch, I offered to resolve the debt instead of pursuing it with my insurance who should have paid it. They held steadfast in there position that they would not delete this account from my credit report, only update it as a paid collection. This is frankly unacceptable, as I later was informed by legal counsel that under the consumer protection statutes at both state and federal levels, that debt collectors must send out a first dunning notice allowing the consumer 30 days to dispute or pay the account before proceeding with additional collection efforts including credit reporting. 

On a follow up telephone call placed on XX/XX/XXXX, it was revealed that Credit Collection services had an incorrect address that they mailed the original dunning notice to, and in fact confirmed this when that original dunning notice was returned back to them by the Postal Service as undeliverable. The documented returned mail is coming from the debt collector directly, they admitted it. 

In addition, they also admitted that upon receiving the returned mail, the skip traced a new address that was also incorrect. It's clear that collection agencies are prohibited from submitting information to consumer reports if they have been notified that the information is inaccurate. They have a duty to operate fair and accurately. 

The first notice I ever received of this debt was on XX/XX/XXXX, where the communication came via the form of a credit report, and I respectfully request that my rights be respected and my time period of 30 days to dispute or pay this debt before any adverse remarks are placed on my credit report be respected and reinstated. I can not allow this account to remain on my credit report simply because I was not billed in a timely fashion, as this debt collector mailed a dunning noticed to an address from two years ago that was documented undeliverable, mail return.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CT)

THIS IS NOT A DUPLICATE!!!! 

I have brought it to MBFS attention of the Fair Debt Collection Practices Act violations they are committing. I have sent an affidavit of truth and notice of cease and desist. XXXX XXXX responded that they are not a third party debt collector which I never claim MBFS was. I said they are a debt collector according to the FDCPA 15 USC 1692a ( 6 ). Federal law defines debt collector as the following " The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests '' MBFS using interstate commerce and the mails to collect debt which makes them a debt collector. MBFS regular attempts to collect debt because they send me monthly statements stating I owe a ALLEGED debt which makes MBFS a debt collector. I am demanding you address my concerns of MBFS violating laws under the FDCPA. There is no such thing as a third party debt collector which I never claim MBFS was. You are a debt collector according to federal law and I demand you prove other wise giving the definition.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I have been very disappointed with the AMEX Platinum Card experience. I have been trying to spend a little more than usual on the card and I have been placed on a financial review in the XXXX month. But after that everything went well and the financial review was completed. Fast forward 2 months I spent a little more again and I get placed under a financial review for spending more again for no reason. It is so disappointing when you can not really use your charge card up to the full potential. I even got a checking account in AMEX so they know I will pay my debt to the fullest each month but it is not any of their concern. I can not keep doing financial reviews every two months that is absolutely absurd. Please do something about this man it is draining my day out and I do not want to wake up and go to work just because I have a financial review that I have to stress about and two AMEX cards that I can not use for 2-3 weeks for absolute no reason.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX of 2021 I submitted a certified letter to Transunion, XXXX, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

The revision Amex Gold card had cancelled the enrollment button of {$100.00} annual airlines credits and can only be enrolled by custom service, which is obviously a scam to harm the customs who do not pay attention. Amex XXXX Card still offer the enrollment button so it's not a technical issue but a trap in my opinion. I reached out the Amex chat team agent about my concern but the agent refused to admit this problem and offer limited help in applying the credits to my account.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (PA)

I went to visit XXXX XXXX XXXX on XX/XX/2021. I had dental insurance by XXXX XXXX and I checked with them and my insurance would have pay the doctor if she called them. The insurance says nobody from her office contacted them XXXX XXXX 's office office was inadequate to contact my dental insurance and they sent my bill to collection without even sending me a bill ). So far, two errors by her office : 1. lack of knowledge to contact insurance, 2. sending a bill to insurance without sending me any notifications or calls. 

XXXX XXXX had a broken shoulder and was out of job, and the collection did not provide me a way to contact her. The numbers they gave me were wrong, until I found XXXX XXXX 's new office. I talked with the office manager 3 days ago but they have not replied back to me. I can send you the email thread of my email sent to " XXXX '' in which I ask them to call the insurance, even jointly with me, but they did not reply. I had contacted XXXX XXXX 's email at " XXXX '' so I can direct them about the insurance, but she did not reply. I am very tired of this whole process, and I am an American supported by ADA act of congress. The amount of emotional pressure they have put on me is tremendous.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (FL)

I agreed to start alarm service with XXXX on XX/XX/18 for $ XXXX but received a notice/bill for {$48.00}. I never signed a contract for {$48.00} but the technician did sign my name electronically while I only signed a manual one for {$27.00}. I have a copy of both contracts. I requested to end service when I found out this happened which was within the first month as I would never do business with a company that did this - essentially they are sticking to the {$48.00} contract is valid and it is not, I only signed the {$27.00} of which they never address. Again I've never paid them anything not one month and never used their service but they have put it on my credit report. I have disputed this and with the collection company who bought this, Complete Credit Solutions who just provides the 2 credit bureaus with the fraudulent contract and rejects my dispute. I have a copy of everything, exhausted from explaining my case to XXXX, Complete Credit Solutions, submitted fraud affidavits, etc. I want it removed from my credit report and after all this hassle I'm good with suing XXXX and Complete Credit Solutions as they have very little info but a forged contract yet I have the one I actually signed and attempts to validate that have gone dismissed.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX is falsifying information to still report on my account. The first delinquency from XXXX was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, XXXX 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a XXXX executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that XXXX is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (DC)

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, Experian, XXXX, and XXXX.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (DC)

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX, Equifax, and XXXX.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MO)

I consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash as a down payment. The finance charge is also suppose to include insurance for the vehicle, Navy federal forced me to purchase insurance on my own separately, again another violation of usc 15 code 1605. Navy Federal also failed to disclose a Right Of Rescission form with my loan paperwork or promissory note, this is also a direct violation of 15 usc code 1635. Navy Federal Credit Union are now liable civilly, pursuant to usc 15 code ( 1611, 1640 ) and criminally, pursuant to 15 usc code 1693.
Consumer complaint received 2021-09-01
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-06-24
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. AddressesXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

On XX/XX/XXXX, at approximately XXXX XXXX, I received a voicemail from someone identifying herself as working for XXXX XXXX XXXX XXXX XXXX I called back and spoke to XXXX XXXX. She told me I was in collection for a debt of roughly {$200.00} to XXXX XXXX. I told her I did not recognize the amount and had received no bill from XXXX. She attempted at that point to get me to pay the amount, and I asked her what exactly it was for. 

At that point, she identified herself as a debt collector. I interrupted her and told her I believed she was in violation of the Fair Debt Collection Practices Act by not having first identified herself as a debt collector, despite discussing the debt with me and attempting to collect information. 

As soon as I told her this, she became irate, started yelling at me, and the hung up. I called back immediately and asked the person who answered to our a supervisor on the line. I was told the supervisor was busy but would call me back in XXXX minutes. No one ever called. 

Two weeks later, on XX/XX/2022, I received a call from FAMS at roundly XXXXXXXX XXXX, seeking to collect the debt. I explained that I had already requested verification, had not received any, and also had not received a call back from the supervisor. I was told one would call me back. Indeed, shortly later, I received a call. The supervisor apologized for XXXX XXXX 's violation of the statute and then began arguing with me about why I had not paid. I explained, repeatedly, that I had received no bill. She gave me dates of bills being sent to me. I explained to her I had moved months earlier, that my mail was forwarded, but that no bill or notice from FAMS had come to me. She said that as not their problem, and that she was entitled to continue collecting the debt. I told her I want no further communication from FAMS. 

I called XXXX after that call and received verification of the charges and paid the amount. They apologized for the behavior of FAMS. 

I am not satisfied with apologies. FAMS should be punished for the illegal behavior. I seek some kind of administrative remedy. If none can be made, I plan to bring a suit to seek {$1000.00} in statutory damages.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Todays date XX/XX/XXXX- Went to use Bank of America XXXX XXXX at XXXX XXXX  XX/XX/XXXX - declined multiple times - called BOA they had no info just card blocked. Contacted them asap from home- went over all charges, rep decided to send me a new card. Said all was fine. In the night I checked my mobile banking and see two transactions - XXXX ACH PAYMENT RETURN {$450.00} and ACH PAYMENT RETURN {$900.00}. Since then I have been trying to get this resolved on my own with BOA. Not a single person has either understood this, tried to help or rectified the situation. New card comes XXXX. I did not authorized these transactions I do not know what they are. I know I currently owe around {$1200.00} on this XXXX card and not it is reflecting that is owe over {$2600.00}. These transactions are not able to be disputed by myself on the computer. It must be done by the bank or so they say. I have spent countless hours ( 7 yesterday ) on the phone trying to get it sorted. Ive been the victim of fraud, BOA never contacted me at all - not once to question these odd transactions. I have determined that I paid {$500.00} on XX/XX/XXXX & {$1000.00} XXXX from my BOA checking account on this card XXXX. These PAYMENT RETURNS are close in amounts and were made XXXX.. Anyway after yesterdays 7 house here are two ref # I was finally given - I have NO IDEA if they mean anything. Every time I think Ive made progress I wind up back at square one. XXXX & XXXX with this phone number XXXX claim filed XX/XX/XXXX so she said. This morning Im going to find a BOA branch that is OPEN somewhere near here and go in person. Im sure thats going to be fun. I did not authorized any of these transactions, I have no idea how something like this could happen. Its saying I owe {$1300.00} more than I do. BOA has done ZERO to help me. I am totally at my wits end and am filing this in hopes someone somewhere can do something. My name is XXXX XXXX XXXX XX/XX/XXXX ss XXXX address XXXX XXXX XXXX XXXX XXXX NJ XXXX - phone XXXX XXXX XXXX
Consumer complaint received 2021-09-01
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: Consumer Portfolio Services, Inc. (DC)

I am XXXX  that you have included information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws insure that bureaus report 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. the following information therefor needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!