davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gordon, Aylworth & Tami, P.C. (WA)

Attached are the cease and desist letters, certified mail receipts, and USPS tracking which shows XXXX XXXX XXXX has received our request to remove our address from this debt and that it is not ours. In the most recent complaint response, the firm still did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our multiple cease and desist to XXXX XXXX XXXX. It is clear they are not communicating to XXXX XXXX XXXX, or XXXX XXXX XXXX did not provide them these letters as demanded. 

Gordon, Aylworth, & Tami PC have threatened and opened lawsuits for a persons debt that does not belong to us. On XX/XX/2024 we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed their debt collection agency, XXXX XXXX XXXX, of this over certified mail multiple times.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (VI)

I am a 100 % XXXX XXXX  XXXX. Upon my return home from XXXX, I started getting XXXX  every day. I was in and out of the XXXX XXXX every day however, my card was being paid. I have been a cardholder of the military star credit card since XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX XXXX category XXXX storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the Military Star card loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX XXXX who is trying to buy a home in Texas because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (NV)

New and Updated Information : Previous Complaint # XXXX Discrimination that has caused severe damages, please see documents attached. 

Claim of investigation three times, yet I provided proof of the EXACT SAME ACCOUNTS being removed from XXXX XXXX XXXX 

The individual who responded MADE THE CHOICE TO DISCRIMINATE AND DENY ME MY RIGHTS UNDER THE COLOR OF LAW and will be held liable per my Fee Schedule.
Consumer complaint received 2023-09-04
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: National Credit Systems,Inc. (VI)

I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with National Credit Systems , Inc. regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified National Credit Systems , Inc. directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, National Credit Systems , Inc. has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that National Credit Systems , Inc. conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, XXXX, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 
I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (VI)

As of today according to ( XXXX ) XXXX XXXX XXXX XXXX website my account is {$0.00} balance due. 

This company needs to be investigated they are ripping off every student and parent monthly. They knows of your exit months before you become a tenant so they can set up an in-house inspection after you do you cleaning as you turn in your keys. Cause XXXX other tenants are still living in the apartment as you move out. They take your keys and forget to log it, do inspection on or about a week and 3 days after you exit leaving the other XXXX tenants in the apartment. Then take pictures of how you didnt leave the apartment and said you are responsible for it cause they dont know if its the other XXXX live in tenants who made the mess or you. They also keeps your deposit fee and still charges you a cleaning fee. When you ask them why they didnt do inspection as key is turned in they said there is too many tenants departing at the same time.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX XXXX online banking transferswere made from my account for {$4000.00} each. This was not done by me ; it was unauthorizedfraud.These activities which were never disclosed to me. Bank of America never called or sent anything to the address wherethe account was opened. They frozethe account and opened a new account but did not transfer old frozen account funds to the new account until months later. They did not approve my claim to returnfunds because BOA says my ATM/debit card and Pin were used for transactions.and that it was authorized by me or someone with my permission to use my card., not true! I missed the call about my complaint tocfpb. I calledthem back and left a message ; they never called back. I requested copies of documents used to make their decision. Documents were never sent. Bank of America has not provided timely ( 2 to 3 hour phone wait to talk to fraud dep. ) or accurate fraud information before closing my claim.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I switched my social security direct deposit and on the social security website it stated my social security check would be deposited into my chime account on XX/XX/2023. I still have not received it and contacted chime multiple times regarding this matter and they tell me over ans over again they do not see a social security check being deposited into my account as of yet. I have been getting social security payments for many years now with other banks and have never had this issue with any other bank. This bank also claim to Pay you up to 7 days early and Its going on 7 days late.
Consumer complaint received 2023-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VI)

On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). 

A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. 

On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. 

Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). 

Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. 

Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.
Consumer complaint received 2022-10-28
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. (NY)

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX  XXXX XXXX  has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also this charge account was opened XXXX XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

DEPT OF ED/XXXX  {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF EDXXXX DEPT OF EDXXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I have a very serious complaint that has had me frustrated for over a month now I sent in my letters to the credit bureaus on XX/XX/2020 and to this date on XX/XX/2020 I have not received an investigation comment or results from items I listed as misleading and unverifiable this has caused me stressed I feel ignored of my issues and hope that we can get this resolved quickly. This is a violation not to even respond and its been over 60 days now. I hope that we can settle this matter quickly. Thank you
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (FL)

On XX/XX/XXXX I called the XXXX Company to transfer my XXXX cell phone lines from XXXX to XXXX XXXX The XXXX representative informed me that each line had an activation fee of {$35.00} dollars and that the XXXX lines would add up to {$100.00} dollars. The representative also informed me that I was going to receive XXXX SIM cards and as soon as I received the XXXX cards I have to activate them to start with the contract and service. I paid the {$100.00} with my credit card but the next day on XX/XX/XXXX I called XXXX to cancel the whole deal and told them I wanted the {$100.00} back to my credit card. After canceling the agreement with XXXX XXXX, I was calling many occasions to the company XXXX  to get my money back and they always refused to do it, they told me that I could leave my money on credit for another time if I decided to subscribe with XXXX, I flatly refused and just wanted my money back but they XXXX did not want to return it. 
Due to this act of bad faith on the part of XXXX, I was forced to call the bank of the credit card and explained the situation and they raised me a dispute but did not assure me of the return of money but, on XX/XX/XXXX XXXX returned the {$100.00} to my credit card. Its been XXXX months since XXXX company gave my money and XXXX sends me a bill for {$100.00} for cell service, I called XXXX, I explained to the representative that I dont have any service with XXXX, he decided that next month it is going to reflect {$0.00} on the account and apologized for the mistake. XXXX months later, another bill arrives to my mailbox from XXXX with {$100.00} for service and {$25.00} for late payment, I call again XXXX explained the situation and the representative decides to remove the {$130.00} bill again. 
In XX/XX/XXXX I received another bill for {$130.00} dollars from the XXXX company for service and delay, I made another call to XXXX but the representative informs me that it will be a bit difficult because the account was already almost in collection and on the XXXX of XX/XX/XXXX XXXX, acting in bad faith, registered and informed the credit companies that I owed them {$160.00} dollars, being a lie to myself.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Listed below are the Inquiries that are being challenged 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc. (UT)

I have sent 5 disputes so far letting Inflection know there is outdated and inaccurate information that is over XXXX XXXX XXXX, appearing on my credit report. Record XXXX XXXX XXXX XXXX : Court Name XXXX XXXX XXXX XXXX XXXX case # XXXX. The Disposition, Offense Level and Dates showing! This is affecting my employment and loss of cash flow! In addition Inflection XXXX says Inflection has failed to send updated credit reports to from disputes in XX/XX/year> so they can make a decision. ( See Screenshot )
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I receive big amount of payments from my buyers and then after withdraw may funds after 4 hours I receive another payment to my buyers after 8 hours on hard day ban may PayPal account I don't my they ban my PayPal account even i follow the rules ang user agreement. If they want a proof I can't provide ligitimate to support my complain : hers the references I'd email of PayPal about permanent limit in my account : Ref ID - XXXX Sincerly Yours, XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK (VI)

In Mid XX/XX/2023, I have set up a personal loan with Discover Personal Loan Recovery Team. I made a payment before XX/XX/2023 and on XX/XX/2023. The account supposed to be settle in full. I spoke to XXXX XXXX XXXX in the Recovery department stating be Paid in Full on credit reporting agencies. Also, I never received a copy of the account being satisfied for the settlement agreement. I would like a copy of the account being settle in full on company letterhead. The agreement should stated the account won't be sell to another debt buyer. 


Also, I received email stating my address isn't correct. Which is correct. The address is part of the XXXX XXXX XXXX program. My address is confidential per the law. Failure to honor that will result in legal liabilities for Discover Personal Loan if its made public. You can send my documents by email per our agreement when the settlement was established. XXXX or XXXX promise it be email and it hasn't.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX