davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (ME)

OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (FL)

XX/XX/2007 my home was vandalized and robbed while my family and I were out of the country, the police report number is XXXX. Its as if they were looking for something because the thieves stole files of tax information, televisions, jewelry, and a safe.Years has past since then but I pulled my credit recently and I noticed some accounts on my credit report that I do not recognize
Consumer complaint received 2017-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Three total transactions taken from my account on three different dates starting in or around XX/XX/XXXX totaling XXXX. 
I am in the US military and my account was hacked. 
No permission was given for these fraudulent XXXX transactions nor do I know who the recipient or sender was. 
I am requesting my money back in full immediately. 

Police reports have been made
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have filed a dispute in regards to the incorrect items and information on my credit report on XX/XX/2021. I then again sent out a demand to comply letter on the XX/XX/2021 to XXXX, XXXX, XXXX. It has been well over 30 days and I still have not heard or received any investigation results.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir/Madam, I have Fraudulent Hard Inquiry on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiry and the copy of my ID. Here is the list of Fraudulent Hard Inquiry : XXXX XXXX XXXX  XX/XX/2021 It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. This inquiry is the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. 
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.
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: EQUIFAX, INC. (VA)

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the three credit agencies, EQUIFAX, XXXX AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Consumer complaint received 2022-05-12
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)

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act convergent Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX has violated my rights. 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 account without my written instructions.
Consumer complaint received 2022-05-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, has violated my rights 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 account with my written instructions.
Consumer complaint received 2022-05-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, has violated my rights 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 account with my written instructions.
Consumer complaint received 2022-05-12
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. (OR)

XXXX XXXX sent an email stating that my " TransUnion credit score went down. '' See attached. I logged in to my XXXX XXXX account and noted that my score had dropped approx XXXX points and XXXX XXXX wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID XXXX. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX XXXX have been given to TransUnion or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX  years. Could not contact XXXX XXXX, no phone or email given for contacting XXXX XXXX on its website. TransUnion and XXXX XXXX are apparently is trying to fraudulently lure people into making credit card payments via the XXXX XXXX website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact TransUnion and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately 40 points ) without any reason to do so.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I have been in school and am still in school. I am completing my PhD program ( am in my dissertation process ). Because I am not considered part/full time, my financial assistance has stopped, which means I am paying {$150.00} per month to remain in school and my student loan payments have picked back up. I have applied for the SAVE program with my Federal Loans and it seems as if my payments are {$0.00} because I don't make enough money to make my payments. I was not working prior to XXXX and had told Navient that I could not make my payment. Their suggestion was that I borrow {$50.00} from someone to defer my payments. I told them I had nobody to borrow from and I needed them to put that in their notes so that the phone calls could stop. I was receiving upwards of XXXX phone calls per day for the past year and a half ( after my bankruptcy was cleared ). I would block one phone call and another would come through from a different phone number. I would answer and have the same conversation. Back in XXXX I talked with a customer service rep and the conversation began as it always had. It took a turn when she would not stop speaking over me and my temper got the best of me. She told me deferment would only get me current through the end of XXXX, that I had until the end of the month to make that payment. The calls were not going to stop because I was 6 months behind on my payments. She also said that because I was yelling at her she was going to hang up on me, despite her rudeness with me and her yelling and speaking over me, not allowing me to talk. She made me feel like a delinquent who never paid her bills on time. I asked to speak with her boss, but conveniently her boss had left for the day and she refused to find anyone else for me to speak with. We hung up the conversation and I called back in tears asking to speak with a manager, anyone but her. I was informed that the lowest payment they would accept on my {$5000.00} personal loan, no matter my financial situation, is {$76.00} because it is a private loan. Once current I must always be on time. I mentioned that I had read many articles about how " Navient screws their customers, but how I had hoped it wasn't true, '' but she didn't even respond to the comment. If I am even a day late on my payment, the 10+ calls per day from all over the US start back up relentlessly 7 days per week!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written Transunion over 5 times and they continue to lie stating XXXX XXXX Georgia has verified the information was accurate. I received another letter from Transunion dated XX/XX/2022 with an update from my dispute through CFPB. The letter has the SAME LIE FOR THE XXXX TIME FROM TRANSUNION AS BEFORE stating XXXX XXXX Georgia verified this inaccurate information. 
It is apparent the previous lawsuits against Transunion have not taught them a lesson and more should be filed. 
Transunion has added a bankruptcy to my account showing a filed date of XX/XX/2022. Transunion continues to add unverified bankruptcy information to my credit and breaking the law when it comes to credit reporting steps and verification of information that they place on my credit I have called the number Transunion has listed for XXXX XXXX Georgia and I also received correspondence in writing from XXXX XXXX Georgia that stated this was never reported, verified, or discussed by them to Transunion or anyone else for that matter. I have sent this with my dispute several time and spoken to Transunion on many occasions and they just start the dispute over cause me more time and stress. Transunion is the only bureau reporting this inaccurate information and continues to lie to me and prolong the investigation causing detrimental results to my credit report, loss of points with my fico, anxiety, mental and emotional stress. I believe it Is time to speak to legal cancel concerning this matter.
Consumer complaint received 2022-09-01
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. (NC)

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 ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I spoke to several representatives who told me that I was eligible for a refund of {$5500.00}. However, it's been a month now and after numerous calls, I was informed by a different representative that they couldn't process the refund because the payment was supposed to be processed on the XXXX, but it went through on the XXXX, causing my credit line to drop. The setting was on automatic, and I'm not sure if this is my fault.
Consumer complaint received 2022-05-12
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: QUALITY ACCEPTANCE LLC (TX)

In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2017-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (VA)

I admit to having business with XXXX XXXX but have never once been told I owed them money and I still receive letters to this day regarding a business I once owned but not 1 stating I owed them any money yet CAINE & WEINER COMPANY INC has reported on my credit that there is a debt in collections before sending me any kind of letter or even trying to contact me by phone. Is this not illegal to take action on my credit report before notifying me of any debt?
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: Experian Information Solutions Inc. (PA)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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.