davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service (VA)

I am filing this complaint to highlight ongoing issues with inaccurate reporting on my credit report, which has had a significant impact on my financial standing. These issues arise from incorrect information reported by the Army and Air Force Exchange Service, compounded by improper application of wage garnishments processed through the XXXX XXXX and XXXX XXXX ( XXXX ) since early XXXX. 
The key issues are as follows : XXXX. Company Name Discrepancy : The account is listed under an incorrect and nonexistent entity name, XXXX XXXX XXXX XXXX XXXX. This mislabeling has caused confusion and errors on my credit report that need immediate correction. 
XXXX. Inaccurate Payment Information : My credit report shows a history of delinquencies in XXXX and XXXX, despite the fact that I have not made any payments since early XXXX. The Army and Air Force Exchange Service has been falsely updating my credit report, leading to significant inaccuracies that must be addressed. 
XXXX. XXXX XXXX and Over-Limit Concerns : My reported balance exceeds my credit limit due to misreporting and improper application of payments through XXXX wage garnishments. This has artificially inflated my balance and resulted in unnecessary penalties. 
XXXX. Missing Terms Duration : The terms of my account are listed as XXXX, which leaves my account status unclear and further complicates my ability to resolve these issues. Accurate and complete terms information is essential to understanding the true status of my account. 
XXXX. Potential Errors in Account XXXX : My account is incorrectly reported as 90 days past due, with a past-due amount, despite no direct payments being made since early XXXX. These errors must be corrected promptly to prevent further harm to my credit standing. 
XXXX. Lack of Transparency Regarding Removal Date : The removal date for this account, listed as XX/XX/XXXX, does not align with federal law. This raises concerns about further misreporting, as federal law typically requires the removal of negative information after XXXX years from the date of first delinquency. 
Since XXXX, I have submitted multiple disputes regarding these issues, but the Army and Air Force Exchange Service has not acknowledged them, as required under the Fair Credit Billing Act ( FCBA ). Their failure to comply with federal regulations has caused ongoing harm to my credit score, increased borrowing costs, and limited access to credit. 
By sharing my experience, I hope to raise awareness of the challenges consumers face when dealing with credit reporting inaccuracies and the lack of accountability from creditors, credit reporting agencies, and debt collectors. Accurate credit reporting is crucial to financial health, and it is vital that the entities responsible for maintaining this information adhere to federal laws to protect consumers.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

From XX/XX/XXXX through XX/XX/year>, on three separate attempts, I used Trans Union web site for credit freeze and free cred report. I inserted all data as required. I also used the very same data to complete credit report freeze at XXXX and XXXX was successful and those reports were frozen. However, for both the credit report freeze and the free credit report, Trans Union at the end of all of my data inputs, and with verification of the phone number codes that I was assigned, states " unable to verify identification. '' I tried repeatedly to use Tans Union phone numbers, and always was denied access, or the phone line was cut off. It is interesting that for my free credit report, Trans Union in the middle of the process shows a box with my name, address, and other data, as correct, but then at the end of the process of additional questions, which I entered correctly again, states again, " unable to verify identification '' and so refuses to freeze my credit repot, or to send out a free credit report, when I know that by their own data as shown to me, I fully exist in their data base. Again, Trans Union will not allow any phone access to be completed. As I please repeat, I have no issues with a credit freeze at XXXX and XXXX by doing a credit freeze on XX/XX/XXXX and XX/XX/XXXX, so I know my data is correct as inputted to Trans Union. Thank You.
Consumer complaint received 2024-08-19
Product: Credit 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I purchased a credit report from TransUnion on XX/XX/year> and was charged {$28.00} - Fine. No problem. However I dont want further charges and spent the entire afternoon trying to cancel my subscription. Impossible. I called XXXX different numbers. Chatted with several people who could not or would not help me. I couldnt even sign into my account. Apparently it is suspended. Why? Have no idea. I finally called the credit card company and was put on permanent hold. I typed up an explanation and the website went down before it was sent. 
All I want to do is to ensure no further charges are made. This company does not appear to be reputable.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GLOBAL PAYMENTS DIRECT INC. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (NY)

XX/XX/ 2024, I received a collection notice for an unpaid medical bill for a procedure that took place in XXXX. The invoice was submitted through my FSA account ( XXXX ) and a check was mailed to the provider on XX/XX/2024. In XXXX I received a statement from the provider stating the invoice was outstanding. I immediately accessed the XXXX site, printed the page that outlined the invoice payment details and the date the check was mailed as evidence that payment had been made. I received no further communication from the provider and in XXXX I receive the notice of collection. XX/XX/XXXX, I immediately contacted my FSA provider who confirmed a check had been issued, but they would open a case to investigate. XX/XX/XXXX, I followed up with XXXX on their investigation of payment having been made. I was informed the check had been returned and the money credited back to my FSA account on XX/XX/ 2024 because the provider returned the check stating they could not reconcile the payment and invoice to their records. I confirmed the name, address and invoice number with XXXX and all was accurate. However, why was I not provided the courtesy of a phone call or letter from the medical provider alerting me to this outstanding issue, after I sent them the evidence I summitted from XXXX. Instead, my account is placed with a collection agency. This has now been paid, but is this truly the practice and a reason of why so many innocent individuals are falsely placed in collection for unpaid medical invoices??
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (AE)

A collections debt that is from 2018 has appeared and is negatively impacting my credit health. 
Dates are from XX/XX/2018 with the amount of {$730.00} from Florida XXXX and XXXX. 
XXXX XXXX is Lockhart Morris & Montgo I have no written letter provided by this company that states this debt is indeed under my name. If there is no records of this that pertains to me i would like to dispute this off my credit history for it to stop impacting my credit health.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (HI)

APELLES is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with APELLES, I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. APELLES is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMS Financial, LLC (NC)

I originally agreed personally to repay a business obligation to XXXX XXXX XXXX XXXX  ( now XXXX ). XXXX sold the obligation to another entity SMS FINANCIAL XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.It appears that XXXX XXXX does not exist as Phone calls asking for him are transferred to a XXXX XXXX XXXX XXXX Initial contact by XXXX XXXX indicated errors in accounting in accordance with the original obligation in that the original contained no interest and several payments to SMS were credited to interest and not principal in opposition to the original agreement. I contacted XXXX XXXX by Certified mail Return Receipt and detailed the errors. I also requested a corrected statement of account.This contact occurred in late XXXX of XXXX. As of today I have not received a response and am preparing to make another scheduled Principal payment. What is the recommended wayto handle this situation? Thank you for your assistance and advice. 
XXXX XXXX XXXX I am trying to figure out how to attach copies of documents with no luck. willl keep trying
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: REGIONS FINANCIAL CORPORATION (FL)

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX auto finance is reporting my car loan 30 days past due when my payment was made on time. After speaking with the customer service department it has been identified that their app doesn't reflect what their online statements reflect. For the past 3 months I have been paying the amount owed as shown on the telephone app. In the month of XX/XX/year> my car payment was reported last due to their app showing a payment of {$550.00} was due I made a payment of {$560.00} thinking my account was paid as agreed. I spoke with an agent who advised that I must pay the loan agreement amount of {$560.00} opposed to what their system shows on their phone app. This information is misleading and confusing as a customer. I thought that I was paying what was owed due to what their system reflects just to find out that I can't trust the amount noted on the app. I also was never called as they had the incorrect number listed for myself and my husband, however in the app my phone information is listed correctly as when I need to verify my account they text me on the correct number to allow access to my account. I am also not receiving the hardcopy statements hence as to why I go strictly off of what the app reflects.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

RE :XX/XX/XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XX/XX/XXXXXXXX Listed below are the Collections that are being challenged XX/XX/XXXXXXXX - XXXX XXXXXX/XX/XXXXXXXX Listed below are the Inquiries that are being challenged XX/XX/XXXX- XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2019-08-05
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. (CA)

I had a credit card account with XXXX XXXX bank. The balance was {$.00} and was so for several years. I received a call in mid-XXXX 2019 from them. They informed me I had a balance due of {$79.00}. It was their annual renewal fee. I told them I did not want to renew and to close the account. They did not do then they reported to the credit agencies my account as late in XXXX, XXXX, XXXX. I contacted them again to resolve the situation. I was told they closed the account and removed the negative reports from my credit. 

This has not happened and they continue to report inaccurate info on my credit report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MO)

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody that can do it, a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account ( XXXX XXXX ) I understand the importance of following the Commercial codes in reference to this account. -UCC 9 Part 6, UCC 9-611 -UCC 9 Part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information is included.

-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) -UCC 9-616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sales letter.

- UCC 9-27 requires that any transaction involving this account should be commercially reasonable. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Sincerely, XXXX XXXX XXXX