davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (NY)

Over a year ago, XXXX, I received an email from a police officer in XXXX saying that XXXX ( a XXXX company ) was pressing criminal charges against me alleging fraud over a {$600.00} transaction. I attended the court date, and neither the officer who filed the complaint nor a representative from XXXX payments was there. The judge informed me that I would be notified of a second court date appearance where the case would be settled, however I was never contacted again regarding this matter from the court or the company, and I assumed it had been thrown out by the judge. 

Today I come to find my credit score is lower than it usually is and see that there is a collection claim out against me from XXXX through Allied Collection Service , Inc. of XXXX for the same disputed amount that I had previously attempted to settle in court. 

So, 2 years now after the disputed transaction has occurred I 've had criminal charges and a civil suit taken out against me. Is n't this barred by the Constitution ( 5th Amendment )? Also, if XXXX would have just sent me a bill in the mail as soon as they realized they were not paid for the disputed transaction, I would have gladly paid it and had this done with. 

At no time have I even been able to defend myself to the company or in the court. And now, over a year later, they are targeting me through a collection agency. 

This just does n't seem right, especially since I have received no emails, letters, or phone calls regarding this matter besides the one notice that said I had to appear in court, which I did.
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I was a victim of identity theft and noticed a collection from Ad Astra Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD Astra Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FCC Finance, LLC (NJ)

monday XX/XX/XXXX, a representative from FCC finance contacted my husband claiming to be XXXX XXXX. The called ID identified the phone number as our local pharmacy. 

Thursday XX/XX/XXXX, the same representative contacted my cell phone claiming to be XXXX XXXX from a local town. 

This mans true name is XXXX and he is calling from XXXX   XXXX in Texas. XXXX. He continues to spoof his number and uses deceptive practices to falsely identify himself.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX I filed a request for an investigation about XXXX XXXX reported an incorrect balance on my credit report. They stated that I owe {$1500.00}. This is incorrect. I only owe just over {$1100.00}. They took me to Magistrate XXXX XXXX 's office, and he lowered it. 
I sent Experian a copy of the original paperwork from XXXX stating the {$1500.00}, and the Magistrates ruling of just over {$1100.00}. They stated that there was nothing incorrect. I sent proof and requested that it be removed from my credit because it was incorrect. It was not done. The original debt is from XXXX XXXX XXXX, XXXX XXXX is a third party who purchased the debt from XXXX XXXX XXXX. I can send supporting documents if they are needed.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.
Consumer complaint received 2024-10-26
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. (MO)

Opportunity to Cure I see that TransUnion is continuing to violate my federal consumer rights knowingly which is beyond disrespectful and goes against federal law. Under 15 USC 6802 - Obligations with respect to disclosures of personal information and 12 CFR 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION, I opt out of the XXXX XXXX XXXX XXXX XXXX being reported on my consumer report I clearly stated many violations about this matter in my multiple previous complaints. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). TransUnion is infringing on my federally consumer rights by furnishing my educational records/history on my consumer report. Also, according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.
Consumer complaint received 2016-08-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

After a major robbery and idenitity theft issue USAA BANK decided to hurt our lives more and keep all our money in our savings account and committ a huge embezzlement and fraud issue. USAA BANK has committed several upon several banking and credit card and bad faith insurance issues and XXXX our lives and destroyed my career and laughed at me and said to bad your not military and that you are XXXX to me. They were very mean. Before this my life was going so well. They XXXX me. I have nothing left and can not get my life together cause as of today they still are hurting my life. They stole over {$15000.00} from savings account and well over {$12000.00} in checking, refused to pay out over {$75000.00} promised in other issues that caused well over {$150000.00} more out of our pockets, made me spend over 20 hours for 4 years to do paperwork then to only laugh and say we are not paying you. CEO XXXX told me he did not care about me or my life. Very scary stuff.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

I ssued a Macy 's s tore card in return for one day discount    XXXX   XXXX   XXXX   . Paid statement    XXXX   XXXX   XXXX   . Received another bill ..   XXXX   XXXX   . Requested explanation. No acknowledgement or communication from Macy until    XXXX   XXXX    requesting {$150.00} payment. Requested identification of source of statement. Customer service responded by sending statement after statement for about six weeks with no source purchase mentioned. End of  XXXX  received packet of statements with a single entry for {$17.00} dated    XXXX   XXXX   n o year.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX account was originated based of XXXX XXXX XXXX letter I received. On my Experian account date open date of account says XXXX XXXX. Which the date is incorrect on credit report..credit bureaus chapter laws this case must be removed due to incorrect information provided above.will submit pdf.file photos of letter and credit report file of both incorrect date published by company and whats shown on experian
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Revenue Recovery Corporation (ND)

I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Acceptance Solutions Group, INC (OH)

I have more than one issue regarding this company. I changed my account information and the company decided to remove payment from the previous account after I told them not to. The lender charged my account for the wrong amount and on the wrong day. The lender also did not credit a payment they withdrew. The company is insincere and hard to work with. I have spoken with XXXX ext. XXXX, XXXX XXXX, as well as the manager XXXX. I have sent emails to rectify the debt and they have not returned any. They continue to withdraw money.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.
Consumer complaint received 2024-08-09
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

A company by the Name of XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) and has parked a debt that has been recalled by XXXX XXXX just last month. I never received a letter or a phone call from this company that has parked this account and placed it on my credit report. I would have disputed it directly with experian but for whatever reason i ca n't seem to dispute this online. XXXX XXXX XXXX never gave me my right as a consumer to validate this debt, they never sent me a letter, or a phone call, if they would have, i would have informed them that this debt is paid and has been recalled by XXXX last month. I want experian to act to remove this item immediately and prevent grant and webber from tarnishing my credit. I have attached my credit report and highlighted the item in yello.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.