davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

Recently received a debt collection from Weltman, Weinberg & Reis Co. LPA  concerning a XXXXXXXX XXXX debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from XXXX XXXX * A copy of all attachments has also been mailed out
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (GA)

I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount.

Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (CA)

on XX/XX/2018 Home Point Financial experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days. 

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Cadence Bank (TN)

XXXX, a Bankcorpsouth bank manager threaten to close my checking and savings accounts after I filed a complaint against one of her employees. The employee denied me services at the drive through. This same employee has bullied and mistreated me in the past. I stopped going to that location because of the mistreatment by this one employee. Instead, I went to other locations that are much farther to drive. I am a  XXXX Military Veteran and can not stand long or walk without severe pain. Since the drive through employee refuse to do two transactions I had to go inside the bank which is very difficult on my body ; getting in and out of the car, walking and standing for long periods and this is what I had to do because the drive through employee refuse me services. She knows I am a XXXX veteran. and I have a displayed XXXX decal.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

My daughter-in-law attempted to place a security freeze on my Experian credit bureau report on my behalf on XX/XX/2018. She  supplied them with the correct information, yet they sent a message stating they would not place the security freeze on the bureau unless I sent them a letter in the mail. Plus, they are requiring two pieces of identifying information : a utility bill and a state id. 

These items are going to be difficult for me to provide, because I am currently under XXXX care for end stage XXXX XXXX. I recently lost my wallet, which would have had my state id in it and possibly my social security card. My daughter-in-law provided all the correct information, and it doesn't make any sense that the request was denied. Finally, Experian ran the charge through her credit card twice, a total of {$10.00} ( {$5.00} each time it was run ). So to charge the card and then deny the request doesn't make sense either. 

Finally, XXXX had no problem placing the freeze. Same for XXXX. In addition, XXXX didn't charge for the freeze, which leads me to believe my personal information must have been compromised during their security breach. If this is accurate, I would be an identity theft victim, and Experian and XXXX should not be charging the {$5.00} to place a freeze on my credit bureau ( s ).
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Experian refused to ask qualifying questions required to remove the alert to this bureau, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.
Consumer complaint received 2018-06-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (AL)

Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.
Consumer complaint received 2018-06-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX - I launched a dispute with Experian regarding a late payment with XXXX XXXX which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XXXX to the XXXX earlier in the year which had not been changed by XXXX and still reflected the due date of the XXXX. I was late in payment for the month of XXXX but requested the removal of the late payment via Experian. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with Experian providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to XXXX XXXX, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with XXXX XXXX on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that XXXX XXXX is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXXclass action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2023-05-22
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. (TX)

I've worked with my mortgage lender, XXXX XXXX, to correctly report payments during the XXXX forbearance period to each credit agency. XXXX and XXXX have the correct dates listed, but Transunion is reporting accurately reporting dates.
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AutoNation Enterprises Incorporated (AZ)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I received a phone call from XXXX XXXX XXXX XXXX  on XX/XX/XXXX informing me that I owed a debt on a credit card from XXXX. I have no recollection of this credit card and when asked for some proof that this was actually my debt, I was told to call the original bank that held the card. XXXX e-mailed me a letter that gave me the original account number for the account and their representative gave me HSBC banks phone number. I called the bank and was told that account has never existed. When I called XXXX back to find out what was going on, I got lots of excuses as to why I did it wrong and how the account number may be wrong. The representative got to yelling and being ugly with me so I ended the call. He then took to calling me repeatedly and finally left a voice mail threatening to sue me for the money.

As it is, all I asked for was proof that the bill was mine. I was informed he doesn't have to show me anymore proof than a letter that lists the account number and original creditors name, that he wrote up himself.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX XXXX This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Complete Credit Solutions, Inc. (NC)

Complete Credit solution showed up on my credit report for XXXX XXXX in the amount of XXXX. Stating the loan was opened on XX/XX/XXXX. I disputed to have it removed from credit report. XXXX said it is correct and will stay. I emailed the loan company for details of the loan, which they stated are : loan that was opened on XX/XX/XXXX?? and it was sold to XXXX XXXX. 

.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I am missing credit card statements for : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I have called USAA several times asking for those statements. Now I am being charged late fees and high interest charges. During one of my calls to USAA, I was told that someone at USAA credit cards put me on online statements. I did not ask for this. I NEVER do any banking online. Due to the fault of USAA, these late fees and finance charges have accumulated. My XX/XX/XXXX statement, which I did receive, states that my minimum statement payment due is {$580.00}. I find this to be unfair due to USAA 's fault. I have called at least 5 times asking for these statements. I'm still waiting.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

My name is XXXX XXXX and i served VIA CERTIFIED MAIL AN AFFIDAVIT OF TRUTH stating facts of 6 FEDERAL VIOLATIONS committed against me by IC System, along with a exhibits page pointing out the violations against me ( the Consumer ) under 15 Usc 1692, a Cease And Desist Letter and DEMANDING MY REMEDY AS PURSUANT 15 USC 1692c ( c ) ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; Im Demanding for IC SYSTEM TO PAY THE ATTACHED INVOICE FOR VIOLATING MY FEDERAL RIGHTS AS A CONSUMER, XXXX OUT THE ACCOUT AND DELETION FROM ALL CONSUMER REPORTS IMMEDIATELY. 

IC SYSTEM received this documents NOTARIZED AND COMPLETE ON XX/XX/XXXX AT XXXX XXXX  and i will ATTACHED THEM TO THIS COMPLAINT AGAIN. 

IF I DO NOT GET MY INVOKE REMEDY COMPLETE I WILL TAKE THIS COMPLAINT AND THE FIRST COMPLAINT SUBMITTED ALONG WITH THE RECORDED CONVERSATIONS FROM THE IC SYSTEM REPRESENTATIVES I SPOKE WITH AND CONSUMER AFFAIRS SUPERVISOR IN WHICH THEY STATED THAT THEY WILL NOT INVOKE MY REMEDY AND WILL NOT COMPLETE THE DEMANDS INCLUDING THE PAYMENT FOR THE INVOICE AND PROCEED WITH LEGAL ACTION FOR FAILING TO COMPLY FOR THE FEDERAL VIOLATIONS COMITTED AGAINST ME AND DEFAMATION OF CHARACTER.
Consumer complaint received 2018-03-07
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: Merchants and Medical Credit Corporation, Inc. (MI)

This letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.
Consumer complaint received 2018-03-07
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. (VA)

I have a bankruptcy on my credit report that does not belong to me that is linked to my name .... I have disputed this several times and it keeps coming back as verified.. I contacted bankruptcy dept and they said that they did not verify anything with TransUnion because they dont have a bankruptcy under my name and ssn .. I dont have any bankruptcy accounts on my credit report but have a bankruptcy which is letting TransUnion know I did not file bankruptcy ... Under FCRA protection for consumers.. I request TransUnion to send me method of verification ( a ) name of courthouse ( b ) the persons name they verified the dispute with ( c ) the address ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute ... And I need this deleted from my credit report
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

Around XX/XX/XXXX, I came across an offer on the XXXX XXXX website regarding their co-branded American Express XXXX XXXX credit card. The offer stated XXXX bonus miles. The requirements, as stated in the online marketing promo info, are ( 1 ) spending {$2000.00} in the first 3 months for XXXX miles, and ( 2 ) an additional {$1000.00} in spending within the first 6 months for another XXXX miles ( total XXXX miles ). 

I applied online and was immediately approved as I have excellent credit rating. Amex issued the card around XX/XX/XXXX and I activated the card around XX/XX/XXXX. Subsequently, I satisfied the {$2000.00} spending requirement in the month of XX/XX/XXXX and then additional {$1000.00} spending requirement in XX/XX/XXXX. I waited for the XXXX bonus miles to be credited to my XXXX account, but nothing happened for many weeks. Finally, on XX/XX/XXXX, I contacted Amex on their website using their online chat feature. I contacted them again on XX/XX/XXXX using their website online chat feature. I am attaching a copy of our online chat transcript. 

In a nutshell, Amex now says that I will not be receiving the promised XXXX bonus miles because I had held an Amex XXXX XXXX card in the past. This limitation was nowhere mentioned in the marketing promo material. In my online chat with Amex, they say this limitation is disclosed in the terms and conditions in the welcome kit, but the kit is delivered after the card is issued and sent to the consumer, not at the time when the consumer applies for the card in reliance on the bonus miles offer. 

I feel I am the victim of deceptive marketing by Amex, classic bait-and-switch. They lured me to apply for the card with an offer of XXXX bonus miles, does not disclose the past card limitation until after the card has been applied for, approved and sent. Furthermore, the limitation is buried on page 3 of the fine print. The intent here is to deceive the unsuspecting consumer who applied for the card in reliance on the marketing promo info.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.