davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I terminated services with XXXX XXXX end of XX/XX/XXXX. I didnt not receive a bill in XXXX. I called in XXXX and was told by XXXX XXXX representative that I owed nothing. I received a bill dated XX/XX/XXXX that I owed XXXX dollars. On XX/XX/XXXX XXXX XXXX billed my bank account for {$230.00}. Bc they did not bill me in XX/XX/XXXX or XX/XX/XXXX I was able to have my bank reverse the payment. I received a bill stated XX/XX/XXXX that I now owe {$250.00} which includes a {$20.00} return payment fee. I spoke with XXXX XXXX multiple times that I dont owe anything according to the bill I received from XXXX XX/XX/XXXX stating that I owed XXXX dollars. And that I would need an itemized bill explaining the debt. And mentioned they have not bill me since XX/XX/XXXX. Which was paid on XX/XX/XXXX. XX/XX/XXXX I received a letter stating that I owe {$250.00}. XX/XX/XXXX I received a final notice for {$250.00} if not paid account will be turned over to collection agency. XX/XX/XXXX I received another bill from XXXX  stating I owe {$250.00}. XX/XX/XXXX I received a letter from AmSher collection services that I owe {$320.00}. Needed to dispute the debt by XX/XX/XXXX which was required by the collection agency. I did. And the collection agency received my dispute. They were supposed to stop all collections on the account till the debt was validated. As per XXXX XXXX, On XX/XX/XXXX AmSher collection agency reported to my credit report. XXXX XXXX then sent me a letter dated XX/XX/XXXX stating here is the information I requested. Showed that on XX/XX/XXXX bill for {$320.00} which includes {$64.00} for one time charge for collection fee. I receive another letter from XXXX dated XX/XX/XXXX that I requested a copy of an invoice. The invoice is dated XX/XX/XXXX and states i owe XXXX dollars. I have not received any response from AmSher collection agency nor an itemized bill from XXXX.
Consumer complaint received 2019-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I financed a new XXXX XXXX is through Toyota financial services in XX/XX/2017. 
I got the car and two weeks later, the car lot recinded the contract on the car, changing the monthly due date and the price of the car and the payment agreement. Toyota financial did not abide by the the New contract. They tried to make me pay for the 2 different contract 's. Because of this, I now have late payment 's reporting on my credit reports and it has dropped my credit score by over 100 points. The car lot XXXX XXXX group, and Toyota financial have really hurt my credit reports. 
I have in good will tried to correct the problem. I can't get anything done about it. The car lot just treat 's you like a criminal for saying anything about it. 
Toyota financial  just act 's like it's all your fault.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard (CA)

I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my  entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.
Consumer complaint received 2023-03-17
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 a account without my written instructions 15 U.S.C 1681c. ( 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.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Hello I had a american express card since XXXX they unfairly canceled my card on XX/XX/XXXX i was charged a yearly fee on XX/XX/XXXX of XXXX Now with the cancellation of the card by the merchant i am entitled for a refund of the yearly membership fee for the 10 months they cancelled Thank You
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HANCOCK WHITNEY BANK (LA)

In XX/XX/2017, Hancock XXXX XXXX ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AR)

In XXXX of XXXX Chase sold my mortgage to XXXX. Chase reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. Chase received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. Chase did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. Chase is discriminating based on another entity paying the loan. IF I had directly paid the loan off, Chase representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to Chase. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where Chase transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still Chase shows as transferred to another office, and my report continues to be impacted by the creditor Chase not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by Chase and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK them from my personal credit file. Thank youXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00},
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-02-02
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. (CA)

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

On approximately XX/XX/24, after falling victim to a suspicious website while trying to obtain my 1098 for my taxes, I **proactively** reached out to USAA to inform them that some of my personal identifying information may have been obtained. 
On XX/XX/24, I received a text from USAA informing me that my account had been frozen. That same day, I received an email from USAA with some forms that I was unable to access. 
I decided to go to a local financial institution to try to get a new account established. After speaking to a representative at XXXX XXXX XXXX, she advised that we attempt to call USAA, which we did while in the representatives office. 
A gentleman by the name of XXXX answered the call. He was hesitant to provide any information, but when pressed, informed me that my account was being closed due to fraud. He informed us that our funds were frozen for 60 days and that after that time, the account would be closed. When I informed him that there was no fraud on the account, he suggested that I log in to my online banking to verify this. I was unable to log in, as my online banking had been suspended, but my husband was able to log in using his credentials and we confirmed once again that there was no fraud. 
I tried to explain that not having access to the funds in my account caused a hardship for my husband and I, as we did all of our banking with USAA. He informed us that the decision wasn't made by him, but the " XXXX Department ''. We asked to speak to the XXXX Department and was informed that they don't speak to members. XXXX did say that he would ask for an account review from the XXXX Department, but that they wouldn't have an answer for a week and that we would have to call back to find out what was determined from the review. 
Additionally, we were initially told that we could still use our USAA credit card, but every time that we've tried to use it, it has been declined. We have reached back out to USAA multiple times and each time are told that it should work, but it declines. Our direct deposits go into that account, and we have no access to OUR funds. 
I could see if the funds being held were of a suspicious nature, but when they are from multiple direct deposits that have gone into account for approximately 10 years, this is unreasonable. With a complete hold of our deposited funds, how are we expected to live for 60 days? We've got bills to pay, medications required, need to eat, etc.
Consumer complaint received 2023-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Credit Management is the collecting agency for XXXX XXXX XXXX  Apartments who is the original creditor. I have never had an apartment with this creditor. They indicated that someone moved in XXXX of XXXX. I have owned and lived in my home since XXXX of XXXX and have NEVER had an apartment at this location.
Consumer complaint received 2023-01-27
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. (WA)

On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

XXXX XXXX XXXX I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it. 

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-03-17
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. (FL)

Despite multiple written requests, 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 2024-03-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

A Vanilla visa gift was purchased for me by a friend on XXXX XXXX in the amount of {$130.00} at XXXX, XXXX XXXX XXXX, XXXX, Ma. I tried to use the card at a XXXX XXXX XXXXXXXX and it was rejected. I checked into the card on the Vanilla website and found that someone had made 2 purchases at a XXXX in Tennessee on XXXX XXXX. I did not make these purchases. On XX/XX/XXXX I contacted Vanillagiftcard.com to report these unauthorized transactions, and I received a confirmation that my packet had been received and forwarded to their dispute resolution team. I was assigned a ticket case number, XXXX. On XX/XX/XXXX I was asked to submit the copy of the front and back of the card, and the receipt, which i sent on XX/XX/XXXX. I did not hear from them so I called on XX/XX/XXXX, and a representative from Vanilla told me that in my file, the company had requested a replacement card on XX/XX/XXXX. XXXX, the gentleman representative, could not get a resolution at this time but assured me that the case was on tracker and that I must call back in 48 hours for a resolution. I began calling on XX/XX/XXXX. After waiting 20 minutes on hold I would either be disconnected before connecting with a human, or once I connected with a human and gave my case number, I would immediately be disconnected. At this point, I concluded that Vanilla was not going to resolve my problem and issue another card, due to these unauthorized transactions. I then sent a complaint to the Attorney General, and they referred me to Consumer Financial Protection Bureau. I am hoping that you can help me with this case. Thank you.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2006, a Judgement was filed in the amount of XXXX by XXXX XXXX XXXX, who purchased the debt from the original consumer credit card debt, XXXX XXXX. LVNV Funding purchased the debt from XXXX XXXX XXXX XXXX. 
Since this transaction, the debt has been sold four times to third parties, and each time they attempt to revive the judgment and add {$1400.00} ( moreover, a 74 % increase ) in interest for a total amount of {$3400.00}. 
I am filing this complaint against LVNV Funding LLC and the current representing legal group, Resurgence. The company and firm have violated my rights under and according to 735 ILCS 5/2-1602 ( a ). Plaintiff has inflated the amount over the allotted statute, broke the timelines for the revival of a dead judgment, and has continued to harass without verifying the debt is owed.