davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (DE)

I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (IA)

I received a text message and a letter delivered by USPS from Frost-Arnett stating they are collecting a medical related-debt. The letter indicates XXXX XXXX turned me over to collections for {$1700.00} I do not owe anything to them. 
I went back to bills from last year. I owed them {$110.00} which was paid in full on XXXX. I called them at XXXX, someone said her name was XXXX and she has my PII and HIPAA related information and pulled up my account and validated it was paid in full. Then she said, there is an amount owed here but it is not owed by you. Then she put me on hold. When she came back after XXXX minutes she said they no longer have the contract to handle billing for this account and that she can not help me. I asked for a Manager, she refused to put anyone on the phone. I asked why they have my protected information if they do not handle this account any longer. I asked why they were going to take money from me if they no longer handle this account. I asked who does handle the account. I asked for a Manager again. She said she can not do that and hung up on me. The bill shows their location as XXXX XXXX XXXX, XXXX, PA XXXX. I found a denied claim from XXXX XXXX stating " Provider timely filing has been exceeded per the Host plan. The member is not responsible for this amount. ''
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc. (NY)

Hi, i was scammed by a XXXX XXXX supposedly living in XXXX XXXX, yes she was real i XXXX  her to make sure of that before i started investing with her. Now in actuality it didn't seem like i was investing my money with her. She introduced me to an app that if you look up is a legit app called XXXX. The app is a real legit app, but the link she sent me was to an app that looked just like it. So that app i was actually on was a fraudulent app. It had customer service and everything. It was all quite a good scam. I ended up sending my money to my wallet in bitstamp and through that i would send it to the Wallet id in the app. You guys shut my account down and i have no access to it anymore! no reason was given for this either. I want my account reinstated so i can show you those transactions as well. This is totally illegal : not allowing me the proof I need to reveal transactions that show the carelessness of the bitstamp company.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

Per XXXX, enacted in XXXX, is a federal law designed to safeguard the privacy of student education records. As per Section 20 USC 1232g ( b ), XXXX applies to any public or private elementary, secondary, or post-secondary school. It grants students the right to control the disclosure of their education records, ensuring that such information is not disclosed without their consent. I sent letter to Nelnet on XX/XX/XXXX to cease reporting my information to the all credit reporting agencies, including XXXX, XXXX, and XXXX effective immediately and indefinitely. I obtained my credit report on XX/XX/XXXX and it is still reporting.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.
Consumer complaint received 2023-12-17
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: GREENSTATE CREDIT UNION (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Credit Reports didn't correct wrong information concerning an Auto Loan with Green State Credit Union. The loan was NOT part of the bankruptcy, document provided. Green State Credit Union will not correct the error. I have sent documents to GSCU ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. 

1. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 2. ( XXXXXXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 3. ( XXXX XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 4. ( XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 5. ( XXXX XXXX XXXX  XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B 6. ( XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Consumer complaint received 2024-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I opened a XXXX at Flagstar on XX/XX/XXXX. I was told I would be getting a rate of over 4.5 % interest for a 7 month CD. Therefore, I put into the XXXX XXXX for 7 months. The XXXX ends/matures on XX/XX/XXXX. However, it has been 3 months and there has been no additional amount added to the XXXX i initially put into the XXXX. I tried to get my money out but they said that If I took my money out, I would have to pay a penalty, even though it is my money in the XXXX and there has been no interest added to the XXXX. I think this is misleading information since I am losing money by allowing this amount to be in that account until XX/XX/XXXX. Can you please assist me with this matter. I am planning to close all my accounts at Flagstar once my XXXX  matures and I can take all my money out.
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I initially received an account summary from Citizens Pay with a statement balance for XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It used a XXXX XXXX address that is not my account. 

I ignored it thinking it was junk or fraudulent as I did not apply for the line of credit nor do I even own an XXXX and they used a XXXXXXXX XXXX  address as the account name. 

I then received notice from a debt collector. I submitted the dispute form regarding the claim and they returned a statement from Citizens Pay.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$11000.00} ). Please remove it from my credit report.
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Starting on XX/XX/2023 I have been unable to access my Ally Financial Account in order to make payments to bill and see relevant information regarding documents and other remaining balance inquiries. 

On XX/XX/2023 I made numerous attempts to contact the company and resolve the issue to no avail. The company failed to provide a resolution and explained they do not have a planned date to find a solution. In total, I had XXXX separate phone calls with representatives of the company who were unable to regain access to my account. I am unable to see financial documents, loan agreement, billing dates, amount due, and other fees related to the auto loan I placed with the company. 

The number given to customers to solve issues like this is XXXX - none of the representatives have been able to regain access and their team has stated " this is a known customer issue, with no solution in sight ''. I would like my loan obligation to this company to end if I am unable to see the remaining documents and agreements. 

I am now receiving messages regarding " late payments '' and " past due balances '' although they have failed to give me access to my account after their own system failure.
Consumer complaint received 2017-01-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group (TX)

Immediately after three separate failed attempts by a XXXX number exactly 1 minute apart to contact me on my cell phone, my wife got a call from a " local '' number on her cell phone XXXX which she answered. The person was claiming to be XXXX XXXX ( a courier ) that would be delivering law suit paperwork if I did not call XXXX and give them reference number XXXX. So I called the XXXX number listed above and was told that the company name trying to collect was Global ( nothing else " just Global ). They claimed that I acquired a payday loan which now has accrued a balance of XXXX. I asked them what the original loan amount was that was taken out and when it was taken out ( both of which they could not answer except to say, " we ca n't see that on our end '' ). I then asked him for Globals mailing/street address, contact telephone number, debt collection license number, and a validation letter. Once I did this I was asked to be placed on hold. After a brief hold I was then " transferred '' to the complaint department ( to my surprise ). I quickly restated the previous questions in the same order and then the women ( whom never would give me her name ) got angry and told me to do better research on what to ask of debt collectors and then got hung up on. Shortly following that conversation I received a call from a " NO CALLER ID '' and it was XXXX XXXX again. He was threatening to deliver paperwork to my place of employment Envoy ( which is n't even accurate ). I asked him who the debt collector was and all of the same questions to which he had no answers to. He just kept threatening me with being served papers and asking where I was and when he could show up. I told him to come to my house to deliver them and I 'd be waiting for him. He then stated numerous times that he would come to my place of business and ask the president of my company where I was currently even though I had just told him I 'd be at home. I laughed. He then kept asking me if I thought this was a joke etc. I finally said yes I think it is considering I have never taken a loan out and that no one could offer me any sort of legitimate answers to my simple questions. My assumption is that is a total scam. Therefor I am formally filing a complaint in hopes that the CFPB can begin an investigation against this apparent scam.
Consumer complaint received 2023-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I submitted a dispute request to Transunion on XX/XX/XXXX so they could investigate an account listed on my credit report by the name of XXXX XXXX. With the account number attached to it as being XXXX. Transunion did not do as requested and now they are claiming that their agency. Has verified this account as being accurate but their investigation results was wrong. There is still inaccurate information being reported listed under this account. The date of last payment being reported was on XX/XX/XXXX but in fact the payment history on that very same date displays a 60 day late rating. And the day that this account was closed is also listed incorrectly as well. So how can this data be 100 % accurate and verifiable but the information is listed incorrectly? Transunion has been given several chances to correct these inaccuracies and now they are violating my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



15 U.S.C Sec 602A. States I have the right to privacy 15 U.S.C Sec 604A. Also, states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2022 my wife and I received an email from our apartment complex ( thread will be attached ) that we failed to properly place our trash outside of our door for the valet service. They sent us a picture of the trash strewn out over the ground, and we had no way of proving that it was properly placed. There was some inclement weather after we placed it, or something that had caused the trash bags to be so disorderly. We never would have placed our trash out in such a disrespectful manner to be picked up after us. They then charged us {$25.00} for one too many bags put out. There was one too many bags because we needed to throw it away. But our balance was for well over the suggested penalty ( described in attached email ). They replied that their were no charges on my ledger. 2 years later now, my credit score has been dropped XXXX points because Columbia Debt Recovery collected a {$350.00} balance which was never disclosed to us. In fact, we had been in contact with multiple times since and each time we seemed to resolve the situation. Columbia Debt Recovery never even contacted us to allow us to dispute. The amount XXXX XXXX claimed we owed them changed multiple times, and people we had been on the phone with quite honestly seemed embarrassed of how our situation was being handled.
Consumer complaint received 2023-09-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I was interested in getting denture implants. I found a provider and applied for carecredit through synchrony bank. I decided to wait and did not get the XXXX XXXX XXXX But care credit is charging me as if I did. 
They are billing me nearly {$4000.00}. Many phone calls, emails later they will not correct this mistake. 
My credit has gone from excellent to poor. Credit card companies have cancelled my card and my own bank has decreased my available credit. 
I have been trying to correct this for over 8 months. Without acknowledging me I still recieve many phone calls emails and postage.
Consumer complaint received 2022-12-20
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank XXXX XXXX XXXX XXXX XXXX evidentially went on the internet and searched for anyone who might know me. They contacted people with whom I am acquainted and relatives in four different states trying to collect a debt. The debt is being handled by XXXX XXXX XXXX and they had no right to contact people that are not listed on my account to threaten them with collections. Those people have no knowledge of my debt and I strongly resent Comenity Bank contacting my fiends and relatives when they are not listed on my account. They have been told numerous times by me that XXXX XXXX XXXX is handling the debt. I need Comenity Bank to stop contacting unauthorized people concerning my debt. XXXX with customer service was extremely rude to everyone that she contacted, even calling my son at work.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

On XX/XX/23 I purchased a XXXX from XXXX XXXX XXXX in XXXX  XXXX Missouri to be used the same day. When checking out I looked at the date of the XXXX and it was correct. While driving to hotel my wife realized that it was for the next weekend. We immediately tried to cancel the XXXX and contacted their customer service. The only way to talk to someone is through an app on their site and the customer service is subpar. They wanted information from the hotel and the hotel would not provide me that information that the room was not used. Even after the date it was supposed to be used. We have been with USAA for over 19 years and disputed less than 5 things or charges that were inaccurate in that time. I have provided documentation pictures of the conversation with XXXX and dates that the great wolf lodge was contacted multiple times. We have not been given what they utilized to make a decision or what information or investigation they did with XXXX and XXXX XXXX XXXX.