davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (CA)

Phoenix Financial Services LLC XXXX XXXX, XXXX  XXXX XXXX, IN XXXX sent a letter attempting to collect an alleged debt on XX/XX/XXXX, for services rendered Between of XX/XX/XXXX & today??? ( I was unemployed from XX/XX/XXXX to XX/XX/XXXX at that time and did not have any medical insurance nor Cobra ) I started my new job on XX/XX/XXXX. I have zero outstanding debts in collection and pay all debts timely. The Original Creditor claims to be XXXX XXXX XXXX XXXX XXXX XXXX stating that I owe {$46.00}. XXXX XXXX XXXX refused to provide a hospital, a specific date of service, location, medical services rendered, or any specific services tied to the debt. The company was aggressive, threatening, and unprofessional, On XX/XX/XXXX I requested by phone at XXXX XXXX  PST a written Verification of Debt. to which the company accosted me asking " Why can't you remember what happened on XXXX of XXXX?!? '' This is almost 3 year window where any of this could of occured. This 100 % improper and illegal
Consumer complaint received 2024-03-22
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)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I am very concerned because my credit reports are showing discrepencies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information you are in violation.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (MO)

XXXX  XXXX XXXX account ending in XXXX. XXXX XXXX XXXX has reported a charge off on my credit report, without issuing a 1099c. ( 15 USC 1681 ). XXXX XXXX XXXX has sold my personal information to a non affiliated third party, which i have no contract with, which is identity theft. The third party is threating to sue for debt that has been charged off. 
This is a abusive debt collection practice. ( 15 USC 1692c ). This has caused me mental distress.
Consumer complaint received 2023-02-09
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 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: EQUIFAX, INC. (TX)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXBalance {$0.00}.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (WV)

I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
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: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I lived at an apartment complex in 2019 in XXXX Washington and moved out at the end of the year. When I left I was given a balance statement showing my balance as paid in full and my refund coming. At no point did I receive any contact from their management office about a balance owing and only heard so when I pulled my credit report and saw an item for {$6000.00} from a debt collector. I reached out to the collector directly and they couldn't understand why an individual would be demanding about having an erroneous item removed from their credit report but, I was in fact and let them know I'd also been a victim of identity theft. They let me know this was not that but that the management office sent them a balance/invoice showing I owed them a " returned sum '' that was sent back or revoked. I contacted the management office to learn more about this and they said I had a 'returned payment '. I asked for detail about this and they shared a balance sheet with me where I highlighted the error in their accounting showing them charging me $ XXXX for a " returned sum '' for a line item that was paid for via Live Check. A Live Check / Money Order can not be " returned '' as the funds in the actual check themselves not like with a Debit card or ACH which I have on the statement as well and you can see the difference. I asked the manager XXXX XXXX XXXX who shared this about this and she could not explain it at all, I asked to be connected with their Accounting Department to verify this multiple times and they ignored my requests and could never provide any documentation or validation about the line item in question, other than the fact that it is an ERROR and they are ruining my credit over it. The line item in question and the cited payment are highlighted and attached. 

ADDITIONALLY, I reached out to XXXX XXXX XXXX XXXX directly about letting them know about this statement and update, the agent I ( attempted ) to speak with seemed to have difficultly spelling words and understanding complete sentences and was unable to even get to the point in the call where they could ascertain why I was calling- just that they knew they did not have the skills or training to help me and would need to have someone else do so. They said everyone capable at that time was unavailable and they would have to call me back- they did not know when this would be when I asked for a timeline and I never heard from anyone on their team.
Consumer complaint received 2023-02-09
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2023-06-22
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: TD BANK US HOLDING COMPANY (PA)

A loan was taken out through XXXX XXXXTD fraudulently. I reported to TD bank immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and XXXX accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.
Consumer complaint received 2023-03-02
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. (MO)

Hello. I have XXXX issues. I had a credit card with XXXX XXXX XXXX XXXX. My credit card was canceled without warning because I was a little over XXXX  days late on a separate loan. These are XXXX separate accounts, I feel that that excuse to cancel my credit card isn't valid. 
XXXX. After that credit card was canceled I was late making a payment of {$40.00} to pay off that card and XXXX  dinged my FICO score by almost 50 points for a missed {$40.00} payment. This seems really excessive. My score only increases by a few points for on time payments. Please help me to understand if this correct practices or not.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (VA)

I am having a problem with One specific employee named XXXX who is the branch manager. I fell behind in XX/XX/2023. I went online and made a payment date for my payment to come out. I was contacted by XXXX who deleted my payment due to her wanting to put it in the system herself. I ended up needing to change the payment date, XXXX informed me, I was not able to cancel my payment. The payment was still in time to be cancelled per the email. I challenged her and told her to cancel my payment because I wasnt going to be able to make the payment. The conversation didnt go well. She said I was hostile and that I should come into the office. I called back to discuss help with the account and she told me, I didnt qualify. I felt as if she was preventing me from help. I contacted other stores to get help and they transferred me back to XXXX. XXXX is doing things like deleting payments when the money is in the account, blocking my online account. I spoke with another employee XXXX, who was supposed to have regional manager contact me about my complaints. I have tried from XXXX to now to get help and Im always told No. I asked for this account to be transferred to another store so I can have professional services and assistance. This is my 3rd attempt for help.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sunbit, Inc. (NJ)

Submit Credit Card # XXXX XXXX XXXX XXXX Due to th several Federal Govt interest % point hikes in the last several XXXX or so months..it has become increasingly difficult to pay I am.REQUESTING some relief on the interest being charged on my account thru a company XXXX XXXX XXXX XXXX '' I am being charged several XXXX dollars in the last XXXX XXXX  days alone on this account and the account was placed in " forbearance '' which ended today XX/XX/2023 I would like to be CREDITED as a XXXX time courtesy of all interest and fees applied to this account while the account was in FORBEARENCE status Thx u
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

The truck was illegal repossed they are trying to say I surrender the truck but I told them no refused. They do not even have valid XXXX. I went and tried to refinance again with then and was told it 2000 but I have to physically meet a rep at the XXXX stand in line with their manager and sign over my title before the would release the truck and before they would refinance my truck. If I paid for the lot and towing fees from them illegal repossession of my truck. They damaged it when doing so and will not let me see the damages either. Help please
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This morning at XXXX I was contacted from phone number XXXX. My XXXX caller ID said it is Bank of America. The woman on the line only identified herself as being from the BofA fraud department. She asked if I had opened an online checking account with them in the last few days. I told them no, and that I have never had a checking account with BofA, but my wife has. I asked them how they know it was my info that was entered, and could they tell me the SS # that was entered for the account. They said they were not allowed to give out that info. I complained that they called me saying they had my info and that it had been compromised, and so I have a right to know what info they have on me to verify if it is accurate. They then hung up.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On Experian it shows that I payed on time, but on XXXX and XXXX show late payment.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Multiple lender or creditors reported that i opened a new line of credit or an account with them when i havent. It currently says i have XXXX lines of credit when i should only have XXXX
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation (KS)

My husband and I have had a joint account connected to an Albert account for approximately six years and we've never had any problems. We were trying to change the phone number on our account over the weekend ( XX/XX/2023 ) and suddenly lost access to our account, at which point we were told our account is suspended indefinitely. Meanwhile, Albert continues to pull money out of our bank account and we have no way to stop this from happening other than claiming the charges as fraudulent. 

We've spoken with multiple representatives over the past week ( XXXX XXXX XXXX ) and were told we breached their terms of service, but they're now making it seem like that means they're entitled to the approximately {$2000.00} we have in a savings account with them. We have no way of pulling this money out. We would like to close our Albert account and get back the {$2000.00} they are withholding from us.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT : XXXX  XXXX ( XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( A ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.