davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MA)

This is an UNKNOWN account. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 

I have contacted your company many times but you have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Account Number : XXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (TN)

In or around XXXX or XX/XX/XXXX I purchased a plane ticket through XXXX. I was discharged from the Military before I could fully pay it back. Fast forward to XX/XX/XXXX and my son 's mother received a call from someone trying to collect a debt that they SAY I've defaulted on yet I've never been served with any documents or anything. I was in the Military station in XXXX, XXXX  at the the time which was clear because I had to post it on the paperwork. They told me via phone this XXXX that they " tried to serve me at the XXXX  address I had on file '' knowing that wasn't my physical residence not to mention it's CHARGED OFF on my credit report. Now im being threatened with 35 % wage garnishment if I don't come up with over {$5000.00} bucks for a ONE WAY TICKET from XXXX to XXXX.
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MD)

I attempted to purchase a used vehicle from XXXX XXXX of XXXX Maryland,,, the bank Westlake financial serviced the loan to the dealer however the contract was canceled and the dealer issued me a letter signed and dated that I wouldnt be responsible for any future payments or be sued for the vehicle releasing me from the vehicle,, however Westlake the financial company has not received the check that was issued to the dealership so every month that the dealership does not send it back the financial company marks a late payment on My credit report,,, the car was returned with keys and temp tags,,, I have called and left numerous messages to dealership however I have gotten no response
Consumer complaint received 2017-05-31
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. (NY)

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family in to our 1st Brand new home. Thank you in advance!
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IL)

On XX/XX/2021 XXXX I sent XXXX BNB from my Trust wallet address to my binance.us app address. It said it was successful in my trust wallet but the funds have still not been deposited into my XXXX account. Also on XX/XX/2021 XXXX am I sent XXXX XXXX from same Trust wallet address to the same binance.us app address. I still have not received those find either. I submitted support tickets with XXXX customer support and have only received automated responses saying they received my request and that they are sorry for the delays. Those are the only responses I have received and have not received my funds yet.
Consumer complaint received 2023-03-23
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. (KY)

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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 Phone contact USAA Automated System Responds to my TV rerouting me to who knows where. And I am Not provided Access on Line. I eventually spoke with XXXX Requesting XXXX  XXXX payment info be removed from my profile as I would not be making payments anymore on this IDTheft. A PAYMENT UNAUTHORIZED BY ME WAS MADE. USAA claims I did it though voicemail. Anyone can contact voicemail as it DOES NOT HAVE ANY SECURITY SET UP. This overdrafted my social security for the next 3 MONTHS leaving me with overdraft fees. I HAVE NEVER HAD OVERDRAFT IN XXXX  YEARS. If ANYONE NOT SECURE CAN CALL VOICE LINE AND MAKE A PAYMENT UNAUTHORIZED BY ME I CALL SERIOUS FOUL.
Consumer complaint received 2022-10-14
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. (PA)

XXXX XXXXXXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX  ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATION. XXXXXXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!
Consumer complaint received 2023-03-23
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$15000.00}.
Consumer complaint received 2021-02-17
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (AL)

Equifax did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and the CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. Furthermore Equifax continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. 

Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act.

None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. 

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Automated Collection Services, Inc. (FL)

The company is ACSI. They are continuing to robo-call my cell phone after I've asked them to remove my number from their autodialer. I am willing to receive a call from a human being there if they wish to discuss whatever debt they're calling about, but the TCPA is rather clear on robo-calls to cellphones. I called them back and recorded it with their knowledge, in which I informed them of the law in this case and asked for my number to be removed from their autodialer. Then, I posted a redacted version of the call ( excluding my number and their company name with brownian noise ) on my XXXX profile here : https : XXXX I also have a non-redacted mp3 of this call, if there is a place where you would like it sent.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.
Consumer complaint received 2022-04-28
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

1 ) XXXX XXXX XXXX Account # XXXX. 
2 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ) Account # XXXX. 

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

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

Dear Sir or Madam, I signed up for an American Express Delta Skymiles card about a year and a half ago. As part of the benefits of paying {$190.00} annual fee was the fact that I would be awarded XXXX ( XXXX ) on XXXX that would apply to my XXXX status ; for the first {$25000.00} spent on the card, XXXX bonus and XXXX would be awarded. And again at {$50000.00} of spend another XXXX bonus and XXXX would be awarded. I tracked my dollar spend online at the American Express website by following " My Year-to-Date Trends '' summary based on which I adjusted the use of this card versus other credit cards I had. At the end of the year, my " XX/XX/XXXX Year-End Summary '' listed " total spend across all cards '' of {$51000.00} for which I expected an additional XXXX XXXX and bonus miles ; I was awarded XXXX XXXX and bonus miles after I spent {$25.00}, XXXX earlier in XXXX. As I was concerned about missing out on the second XXXX mile award I in fact paid my credit card bill a couple of weeks early, at the end of XXXX XXXX to ensure there were no issues. 

After some time I had noticed that I had not been awarded the additional XXXX bonus and XXXX. When I contacted American Express I was told that my XXXX spend was {$49000.00}. I inquired into the discrepancy and was told my annual card fee was excluded from their calculation. I pointed out that the annual fee was only {$190.00} and that would not explain the difference. I also pointed out that I had adjusted my spend based on the claimed award policy and had left a cushion of over {$1000.00} and that I had in fact paid the credit card early so as not to run into any issues. Futhermore I mentioned that I had spent over {$1000.00} in XXXX of XXXX. I was told that a supervisor would contact me in a few days. However, after a few days, I contacted American Express again as they had not contacted me and was told the issue was still being explored. On XXXX XXXX, XXXX I was left a message that stated the online account " displays all of the charges on the account, but not all charges are qualified as spent. '' Given the vague response I contacted American Express again on XXXX XXXX, XXXX and was told items such as cash advances and gambling charges would not count towards the award calculation. I explained that I did not have any such items of expenditure and that returns on the card were reflected on the above " XX/XX/XXXX Year-End Summary ''. The representative performed a manual calculation of my expenditures and stated that my qualifying spend was " {$49000.00}. '' I asked again for the discrepancy between the online account and her calcuation, she was unable to determine the difference and stated a supervisor would contact me back. I asked if I could have a refund of my annual fee if I cancelled the card and was informed that I could not be refunded as I had been charged the annual fee more than 30 days prior. 

To date there has been no follow-up call. Thus I am writing to request the CFPB 's assistance. Thank you for your time and effort.
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRS Financial LLC (SC)

On XX/XX/XXXX I received an alert from XXXX that my credit score dropped and it was because I owed Capital Collections Services {$410.00} from an account with XXXX XXXX. I had already paid XXXX XXXX directly. XXXX was to notify Capital as we discussed. I disputed this on XX/XX/XXXX with XXXX. The response to my dispute was received on XX/XX/XXXX, Capital reported that the information was accurate that I owed them {$410.00} and was still unpaid, they also change the date of when the charge was placed on my credit report to XXXX back dating it, for which I have evidence they have done this with emails, and screenshots from XXXX. They have committed fraud. I will be contacting an attorney if this is not resolved, removed from my credit report.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (CA)

XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
Consumer complaint received 2022-10-14
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXX OF XXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last XXXX XX/XX/2022 {$3400.00} Reported balance 15 U.S.C. 1681 section 602 A States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written authorization.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.
Consumer complaint received 2022-12-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX