davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX  which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Health Care Management Services, Inc. (GA)

I have worked as a XXXX during this entire pandemic and continue. While working at XXXX if XXXX I began feeling a intense pain in my XXXX XXXX XXXX. After work I went across the street to XXXX of XXXX hospital. I told MD my symptoms and that I would be self pay because my insurance wouldnt begin until XXXX of next month. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given unnecessary exams mounting to XXXX after a XXXX self pay credit. Only for MD to prescribe the XXXX XXXX XXXX XXXX XXXX XXXX. Health insurance does not permit unnecessary exams and will not pay out for them. This is to prevent abuse of insurance claims and exploitation of the consumers. As self pay I should receive my healthcare under the same guidelines. I should not be exploited because I am XXXX XXXX  and taken advantage of in a moment of weakness. I risked my life taking care of others at XXXX XXXX during height of pandemic. I deserve more than to be scammed. This matter is causing a financial hardship and is potentially ruing my credit while I am seeking homeownership. I worked my credit back up to XXXX. I eventually went to XXXX XXXX XXXX and XXXX XXXX treated me effectively. My bill was XXXX which I paid. I have paid XXXX for the above.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (NY)

>Multiple hard inquiries were pulled by XXXX XXXX XXXX XXXX ( XXXX  ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with XXXX  ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from XXXX XXXX  XXXX acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan XXXX  days after application ( XX/XX/21 ) >I filed a dispute with Equifax but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called XXXX and bounced around 6 different agents resulting in my information being passed along to management for further contact
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On Thu XXXX XXXX, XXXX, we received a text message from our bank ( USAA ) alerting us of fraud activity on our account. They asked to verify 3x charges. ( click y/n ). 

40 min later, 2x illegal wire transfers were initiated by the criminal and approved by USAA with NO authorization or awareness from myself or my wife. Each wire transfer ( {$5600.00} and {$5500.00} ) were to two different accounts with two different names. 

As of today, XXXX XXXX, XXXX, USAA will not give us any information to the account, account holder or bank to which USAA sent our money NOR will USAA respond to our attempts to get an update. 

The only correspondence I have had with USAA occurred on Thu XXXX XXXX, the day of the illegal wire transfer. A USAA customer service rep told me this was not USAA 's fault, they can not do anything to return our money, and that I should try asking the person the money was wired to return it.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I followed the account on XXXX called " nollieflipskatecompany ''. They have over XXXX followers so I believed that they were legit. I entered a drawing to win the chance to purchase a pair of shoes through them. This is a common practice now on social media. I received a direct message from them stating that I won the chance to purchase a pair of shoes. I ended up purchasing XXXX pairs of shoes over XXXX for XXXX each, XXXX total. They stated they would send me an email confirmation and I never received XXXX. I reached out via XXXX and then they blocked me. So I called the number that I sent the XXXX payment to and he quickly said he would send me the email confirmation and hung up. I still never received XXXX. So I called him back today and he hung up on me and blocked me. Therefore I believe I have been scammed and will never receive the shoes that I believed I was purchasing. The man 's name is " XXXX '' and his number is XXXX. " nollieflipskatecompany '' also has a phone number listed as XXXX on XXXX and an address listed as XXXX XXXX XXXX, XXXX XXXX. I have attached screen shots of the messaging that occurred on XXXX. XXXX won't refund my money since I sent it via XXXX XXXX I filed a police report XXXX and they confirmed it was a scam. I attempted to contact the recipient and they blocked my messages and phone number.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXXOVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (PA)

Phoenix financial services is claiming I owe XXXX on XX/XX/XXXX from the statement I received via mail ... stated would settle for XXXX Received another statement via mail XX/XX/XXXX stating account was XXXX and they would settle for XXXX I looked back and have medical statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all of those statements from XXXX XXXX XXXX say one amount for XXXX and XXXX. That equals a total of XXXX. 

So now I look back on the 2 statements I received from Phoenix financial and they're stating that one amount is for XXXX and the other for XXXX. Totaling XXXX. I've looked at the original auction numbers, they do match but there is no visit number on these debt collection statements to cross reference with the original ahn statements. And the first Phoenix financial statement said the creditors is " XXXX XXXX XXXX XXXX '' I have never been contacted by this creditor that pheonix financial is claiming. 

Since XX/XX/XXXX I have received 25 missed calls. I've never answered because that resets the debt time clock and no one ever leaves a voicemail. XX/XX/XXXX XXXX missed calls, XX/XX/XXXX XXXX missed call XX/XX/XXXX just once. XX/XX/XXXX XXXX calls, XX/XX/XXXX & XXXX just one call those days. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call XX/XX/XXXX, XXXX, XXXX and XXXX XXXX call per day XX/XX/XXXX XXXX calls, XX/XX/XXXX XXXX call. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call. Not one single voicemail. It's harassment especially since my phone number is on the do not call list
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

On XX/XX/2021 I applied to XXXX  XXXX XXXX and was told there would be a {XXXX} deposit and {XXXX} application fee, I was told if I was denied, I would receive {XXXX} back and they would keep the {XXXX} application fee. I was denied that same day and told to wait a month for my {XXXX} deposit to be placed in my account. I waited a month and contacted the office, they kept giving me the runaround. Saying it would be mailed to my address. 2 months later I contacted my bank to file a claim for my {XXXX} deposit. On XX/XX/2021 I filed a claim for {XXXX} claim # XXXX. The bank put the original charge of {$XXXX} into my account. I advised them I only wanted my {XXXX} deposit back. They can not do partial payments for claims, so on XX/XX/2021 the bank reversed my claim and returned {XXXX} back to XXXX XXXX XXXX. This company actually owes me my {XXXX} deposit back. My bank has confirmed that this company has my {XXXX} and owe me my {XXXX deposit back and now they have sent me to collections trying to get another {XXXX} from me. They are also claiming I owe {XXXX} in move out fees. I never moved in. Please help
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

My lender started a escrow account in XXXX of 2021 and i have complained about it several time without any sucess. I was not deliquent in taxes nor for insurance. I did not agree to restart escrow account. Asking them to remove the escrow account.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (TX)

I went an requested a report fromXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX waited for them to email the report. Following the notification email I tried to retrieve the mentioned report. When trying to do so EWS deactivated the account. I tried to retrieve the account and called their customer support line listed at the end of the email they sent when I was told my account was denied a request to change the passwords. 

The rep attempted to reinstate access to my account only for it to be denied when I ended the call with them. This was a total of 6 times. 

EWS is preventing me from accessing my report due to the intention that they know I am going to dispute fraudulent reporting on my file. 

Because EWS has not complied with the FCRA the report is now compromised and everything listed on the report is no longer held with merit and accuracy. The report is also a result of identity theft and the service denied my request to submit the appropriate affidavit.
Consumer complaint received 2023-10-01
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. (FL)

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.

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.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

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.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (NC)

I keep getting calls from a place called VALOR and I have received a letter from them about something from XXXX. I have received letters from XXXX different companies about a collection from XXXX which I dont have. Valor calls me multiple times a week and is reporting this on my credit report and I want this information removed from my credit report and the calls to stop. The information on the letters arent even correct and why are XXXX different companies sending me request for XXXX which I dont have.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX  informing that it was an error for it to be reported.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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.

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.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlas Credit Company, Inc. (TX)

Several threatening messages have been left. The messages contain personally identifying information that should not be released during the course of the voicemail. There were written notifications left on my door that were not enclosed within an Envelope. After XXXX was performed my XXXX  has been called as well as other family members and the nature of the debt has been disclosed to them. The calls are abusive and harassing and I do not feel comfortable working with the company. Any disclosures that I have received do not contain proper disclosures as far as bankruptcy is concern. It also did not have a truth in lending with the initial notification.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WI)

To Whom it May Concern : On XX/XX/2022 ; I submitted a request for a balance transfer to pay off most of my Comenity BankXXXX XXXX Credit Card account to a new credit card account at my personal bank. 

On XX/XX/2022 ; at XXXXXXXX XXXX  I received a phone call from XXXX at the Comenity BankXXXX XXXX Card call center . She was attempting to collect a payment that I had missed on my account. I explained to her that I submitted a request to pay my balance off on the 1st. She interrupted me and stated they DO NOT TAKE credit card payments. And, went on to say that I needed to make payment arrangements or my account would go into collections. 

I agreed to automatic monthly payments for the next 6 months, under the assumption that my balance transfer was denied by ComenityXXXX XXXX XXXX 

On XX/XX/2022 ; my bank paid {$1600.00} towards my balance with ComenityXXXX XXXX XXXX XXXX In addition, Comenity took {$250.00} out of my bank account in XXXX and another {$160.00} in XXXX. When I called them to talk about this issue, they hung up on me. 

My complaint is in the fact that they lied to me about not accepting credit card payments and double/ triple dipped into my account. I am livid and want someone to be held accountable for this misappropriation of my money. 

Please advise my rights and what options I have. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I've been trying to get my car titled and registered in XXXX  for 2 YEARS, and they have refused every step of the way to help me. I am still paying Capital One for the loan, but they will not send the DMV, or myself, the documents I need to register and title the vehicle. I was living in XXXX, now I am in XXXX. My car is two years expired because of their refusal and inaction, so essentially I can not use what I am paying for. I was recently escalated to tier 3 customer complaint, The Office Of The President, or something and haven't heard anything in almost two weeks when the representative said she would resolve this ASAP. I call their Auto Finance help line and every time I call the automated answer says " I'm sorry, we're unable to take your call at this time ''. I haven't been able to reach anyone for weeks. The last time I called, I went through their personal loan line to have someone connect me. I don't know what else to do.