davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (NV)

Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to Equifax and XXXX. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form XXXX  and Equifax. The letters in response just states the accounts have been verified but no evidence of that. XXXX has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (OK)

Mitchell D. Bluhm and Associates sent me a letter today claiming their attorneys would be looking into my case of an unpaid medical bill of {$570.00}. I called my hospital and they say this bill has never existed, nor does my insurance have any knowledge of this bill. The law office claims to be mailing me an itemized bill from the hospital, yet the hospital has no knowledge of this bill.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (FL)

Dear Oxygen XL, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2024 and identified the debt as reference # XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2023-03-08
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. (GA)

XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, Transunion, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kohn Law Firm S.C. (IL)

Kohn Law firm acting as an agent for XXXX XXXX hasnt 2 collection files both with agreements to pay {$100.00} per file each month which went in effect XX/XX/XXXX & XX/XX/XXXX. 

The payments have been made online via the collection website. In XX/XX/XXXX the bank account number was transposed and the check was returned. I explained that it was an error and resubmitted immediately. Unfortunately the same thing happened with the XX/XX/XXXX payment. I was contacted by the XXXX XXXX XX/XX/XXXX regarding the returned item. I explained that I double checked and that I would resubmit the payment later that night. He informed me that they would ONLY accept certified funds from me because of the return checks. I explained that that would be a hardship because now I have to pay additional funds to get the funds to pay AND with the US postal system being back logged the payment most likely would not make it in a timely manner and this would result in them harassing me for something I have no control over. I informed Mr. XXXX that if they wanted the funds certified then dont call me when the payment is late. Again the backlog of the XXXX has been in the media for months. I requested to speak to a manager & was transferred to XXXX XXXX who basically said the same them. I explained that Im not trying to run off, I owe the debt and want to make the payments. His said he would forward to the attorneys for the review and then hung up. 

Every demand I have submitted to, again I know I owe the debt and HAVE been making payments and WANT TO CONTINUE to make payments without undue hardship, burden or exposure.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (MA)

On or about XXXX of XXXX, the following unfair or deceptive act occurred ; Your company sent notice of your adverse actions that are not supported by law or written agreement, and after accepting payments for almost XXXX years at the interest rate of XXXX percent, that NFCU intended to raise the interest rate to XXXX percent if NFCU did not receive copies of the security documents already sent to you. Your agents proceeded to provide false assurances that this would not happen, and that they recognized this would be in violation of various laws and statutes because of the following : 1 ) you were sent the documents and misplaced them, 2 ) you failed to enforce the security agreement as it was written, and gave a forbearance without proper notice to not only myself, but all others like myself, in my class, 3 ) by failing to provide notice of your not perusing the effectiveness of the security agreement, and by accepting payments for almost XXXX years at the interest rate of XXXX percent, you therein waived any conscionable right to change the interest rate through your business practices, in which you established your affirmation of the XXXX interest rate.
Consumer complaint received 2023-01-13
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: Absolute Resolutions Corp. (GA)

Absolute Resolutions Investments is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report ( s ) of XXXX XXXX due to identity theft. 

XXXX was deleted from the credit report ( s ) of XXXX XXXX about the dates of XXXX XXXX XXXX. 

Attached is Absolute Resolutions Investments documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Last Friday, XX/XX/2021. I reported to Chase bank about unauthorized transaction from my checking account. I spoke to XXXX, I was put on hold for 15 minutes, then I was transferred to a female, I repeated to her about my report that their is an unauthorized transaction in my account amounting to $ XXXX something. So she said, they will investigate and she acknowledged it, they will cancel my card and send me a new one. I said thank you. I was expecting my debit card be replaced right away. Saturday comes, Sunday and Monday. I called and followed up. Bec I used my credit card to gas up, but I was declined, found out that Chase banker cancelled also my credit card. Instead of my debit card only of which I only complained about my debit card, for that unauthorized transaction. I spoke to a male banker, & said they will replace my credit card. I was so disappointed that both my cards are on hold. I needed to gas up, and non of them works. I cant catch up with banking hours bec I m at work, gets out of work and bank is closed. I waited for another day. XX/XX/XXXX, Tuesday morning, I called again to follow up my debit card., I needed to send money to my brother for his dialysis and medications, but my debit card still on hold. I spoke to XXXX. She said my debit card was on hold and the replacement is was bit in placed. Which makes me more upset. I spoke to their supervisor, this is not acceptable. Its a negligence, I needed my card, for my money. I dont use XXXX XXXX bec I done trust it. My chase account is often encountered unauthorized transaction that I dont understand why it happened. So pls help me get a fair service, this chase bank should train their staff well. They should compensate. And Im so disappointed with their negligence. I am a XXXX who works hard. I know what it means to be responsible to my clients. So pls help me let them feel my disappointment and concern. I dont accept apologies.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of 2021 i tried to settle a debt with XXXX XXXX for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of 2021. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I received a bill from XXXX XXXX for {$360.00} in XXXX. The bill was paid in full on XX/XX/XXXX. I retrieved my credit report on XX/XX/XXXX and saw a collection company for XXXX XXXX, Wakefield and Associates, was on my credit report for the amount of the bill, {$360.00} that was paid off over a year ago. I disputed the account with XXXX  and provided a copy of the payment receipt from XXXX XXXX and the response that I received from the dispute was that the account still stands as being owed and it was not removed from my credit report. The receipt I provided from XXXX XXXX had the date it was paid and the confirmation number on it. A simple investigation verifying the receipt of payment would have proved that the account was paid over a year ago. On XX/XX/XXXX I spoke with a representative named XXXX at XXXX XXXX and she informed me that Wakefield and Associates was informed of the payment in XXXX of XXXX.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I got a ticket from XXXX  for a XXXX, NC red light camera. I had sold the car in XXXX so I just ignored it. Then Linebarger Goggin sends me a letter for debt collection. So I call them saying I don't own this car and I was at XXXX XXXX during the time of the violation. They say I need a bill of sale, all I have is a XXXX payment because I didn't think to photocopy a bill of sale when I'm getting rid of a car asap. XXXX the violation info phone number doesn't work XXXX I don't know how they even got my name since I cancelled the registration in XXXX way before the ticket happened. XXXX I have no way showing I sold it other then I don't have it and I have a {$1900.00} for a car in XXXX.
Consumer complaint received 2022-10-26
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: BARCLAYS BANK DELAWARE (CA)

Hello, To whomever this finds, I hope you are doing well! 

I have been tirelessly trying to fix a XXXX day late error on my credit report that has dropped my score more than XXXX points since XXXX. 

The company in question is Barclays/Barlcaycardus . 

On XX/XX/2020 I made an on-time payment of {$250.00} to my credit card account. On XX/XX/2020 I received an email stating that the payment was received by Barclaycard/Luxurycard . I have photos/screenshots proving this statement. 

When attempting to make a payment on XX/XX/2020, I was prompted with a past-due 30 day late payment for the month of XXXX. When reaching out to Barclays via phone immediately, I was told that no payment was made in XXXX, and the payment never posted to the account. I told them I received XXXX communication from them stating this prior to my phone call, and was told there was nothing they could do. 

In XXXX of that year I wrote to the Executive Office of Barclays US and told them the story I told you. They investigated the matter and also told me there was nothing to be done and they need to report accurately and the XXXX day late was accurate. However, they also told me that they have no record of their own company sending any notification, email or text/phone call, letting me know the payment didn't go through. The App also reflected that a payment was made.. 

This is the kind of scenario that destroys trust among customers with large institutions and it needs to be looked into. I have been denied loans and come under scrutiny during credit checks because of this. This was not my fault and I should not have to bear the responsibilities of Barclays ( lack of ) actions. 

Best Regards
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

Westlake financial and the credit bureaus are all committing fraud. They are reporting late payments for a car that they claim they have in their possession. West lake and the credit bureaus are also claiming a repossession on my credit profile and are also reporting inaccurate late payments trying to portray to anyone viewing my credit that I have a car in my possession that I DO NOT have in my possession and this issue is causing me not to be able to obtain credit. Pursuant to GAAP ( generally accepted accounting principles ) westlake have to prove the money left their account if they gave me a loan like they claim they did. Why wouldnt they be able to do that? Because they didnt loan me anything!!!! Westlake would also be committing fraud if I gave them credit and they got a loan in my name ( fraud ) all support document of these claims will be attached. When an organization gets a loan in your name then creates and furnishes a deceptive form to make you think that you got a loan its fraud. In reality the consumer on only come for credit. In all actuality the promissory note was for westlake because they got the loan according to 12 usc1431 Also the credit bureaus took westlake financial off my reports then added it back without notifying me within 5 business days. According to FCRA ( a ) section 5 ( b ) ii they have to notify me within 5 days. 

Also they should take court case : Court Case : Eaglehart vs Gravens 281sw715.819.1 inti consideration It is inaccurate for Westlake and the 3 credit bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that westlake and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile They also took it upon themselves to reage the account after reinserting it without me knowing
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened an account with XXXX XXXX aka XXXX. it is CURRENTLY OPEN & in good standing! TransUnion removed this account from my report. That is inaccurate because the account is open. it's also reporting to my XXXX and XXXX ( shown in the attachments ) accurately. tRANSuNION NEEDS TO PUT THIS BACK ON MY REPORT IN GOOD STANDING. Ive tried to fix this situation with TransUnion directly with no success. TransUnion had NO REASON TO REMOVE IT FROM MY REPORT. Attached : Proof that it is reporting accurately to my XXXX and XXXX Credit profile. TransUnion needs to update this account ASAP. If this doesn't get resolved like previously asked then I will proceed with legal actions.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX  did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that  XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Consumer complaint received 2024-02-25
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: SYNCHRONY FINANCIAL (NY)

An unauthorized hard inquiry was fraudulently conducted on my XXXX credit report, and other credit agencies by Sync-Amazon on XX/XX/year>. 
The inquiry was made using the address XXXX XXXX XXXX XXXX, PA XXXX and the telephone number ( XXXX ) XXXX, without my consent. This act violates my rights, and I strongly request that the inquiry be removed from my credit report. To address this issue, I kindly request a report that I can mail to XXXX and other credit reporting agencies.