davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems (MS)

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

Financial Data Systems has not provided any information or proof that this debt is mine. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party.

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

Diversified is trying to illegally collect a supposed debt for XXXX. This debt if owed would be a zombi debt which would not be collectable per the fair debt collection act and the dept collection act of Texas. The following statements are from the complaint I filed about XXXX. 

I was contacted by a dept collector stating I owed a dept to XXXX. I dont remember ever having XXXX as a XXXX company. I have tried calling XXXX  about the supposed dept several times and they could not give me any information on the supposed dept and told me to go to one of their stores to get the information but even they couldnt pull up any information. I then contacted their corporate office and they couldnt find any information regarding this supposed account. I even contacted the dept collector and they couldnt give me any information either. 

I have had my current cellular company for over a year and before that I had another cellular company not XXXX for over 7 years. 

This is the first time I even heard that I might owe any money to XXXX and by my research if I did owe that amount due to the fair dept collection act this would fall under a zombie dept which is not a collectible account and would be an illegal action upon XXXX to even try to collect this dept. 

I did contact the dept collector Diversified and they stated XXXX turned the dept over to them in XXXX year of 2022
Consumer complaint received 2019-07-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (WI)

Upon looking at a credit report, I noticed a collection account from deville asset management. I seen there was a date from XX/XX/2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and deville asset. My original debt was with XXXX XXXX where I returned the vehicle too. Also XXXX XXXX failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to XXXX XXXX less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the deville asset on through all 3 credit bureaus and they continue to illegally report this debt.
Consumer complaint received 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

I paid off my loan as part of a refinance. IFS then erroneously debited my account for a regular payment even after the loan was paid off. I have called in 5 times to get this resolved and each rep has left me with lies and cons to get me to call back a later time. 

First person told me that I would get that automatically refunded. Several weeks later and no refund. Second person said that I needed to call my bank where the money was debited from, of Course that was a lie as I called my bank and they told me and provided evidence that the money fully cleared and was with IFS. Third person I called told me to send an email to their customer support email and then call back 1 business day after that. Fourth person told me that no such email exists, making it sound like that was just a coy to get me off the phone. Fifth person acknowledged that the account was overpaid but gave me a similar answer that the system was just going to refund me but it has been a month now and no evidence or sign that a refund is coming. 

XXXX I paid off my loan with IFS as part of loan refinance. 
XXXX IFS debited my account for a regular payment -I am still without resolution as to how or when I will be refunded this money having called 5 times.
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael Harrison, Attorney at Law (NJ)

Attorney XXXX XXXX at XXXX XXXX, XXXX, NJ XXXX keeps sending me letters on a medical debt that is not owed by me. The debt is owed by XXXX XXXX XXXX whom lives in XXXX XXXX. 

I have repeatedly called them and sent in an initial complaint to stop sending me letters in the mail. My girlfriend is getting angry at me which is causing our relationship distress. I am having emotional and psychological distress as well because of these letters. 

Michael Harrison 's Law firm has repeatedly violated the FDCPA ( 15 U.S. Code 1692k ). 

Damages for Physical Distress Damages for Emotional Distress If I receive one more letter in the mail I will be forced to sue.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  and XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. Experian has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

1. COMENITY - XXXX XXXX XXXX 2. Payment due date : XXXX of every month 3. XXXX payment submitted on XX/XX/2022 via USPS with Tracking # XXXX XXXX XXXX XXXX XXXX ). 
4. USPS delivered payment on XX/XX/2022 5. Comenity held payment until past the due date and processed payment on XX/XX/2022 6. Contacted Comenity Customer Service ( XXXX ) XXXX on XX/XX/2022 upon receipt of XXXX statement with a Late Fee Charge of {$29.00} and Interest Charge of {$17.00} ; spoke with XXXX, Customer Service Rep and XXXX, Supervisor and both declined to remove the late fees and interest charges claiming that the account did not qualify for a reversal of said fees/charges despite providing the payment tracking information and history.
Consumer complaint received 2022-02-26
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: Maximus Federal Services, Inc. (GA)

I have been in communication with XXXX, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF EDXXXX. On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for XXXX and DEPT OF ED/XXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, XXXX, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY (FL)

I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so Discover stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my TD Bank debit card. My money stolen for these others was someone using the money for gaming on XXXX. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has TD Bank, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for XXXX gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.
Consumer complaint received 2022-02-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Business Corporation (GA)

A person representing SWBC mortgage payment and negotiate a lower payment. This person provided new program. Requested payment of {$660.00} to active new program. 
Persons name XXXX XXXX with SWBC. Phone number XXXX. Date XXXX. I paid the money and then realize it was a fraud or scam. The money was processed thru XXXX at XXXX and XXXX XXXX XXXX at XXXX. Not SWBC. What do I need to do?
Consumer complaint received 2022-10-09
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. (TX)

There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (ND)

I purchased a unit from XXXX XXXX XXXX for {$1300.00} over the phone on XX/XX/2020. I told them it had to be delivered by Wednesday XX/XX/2020. I paid for this through PayPal Using Synchrony. When the invoice came I noticed that it was being sent to my billing address not the delivery address I gave them. I called them immediately and told them of this mistake. They said they would take care of it. The package had " Signature Required '' for delivery. When the package still went to the wrong address I called to tell them it would not make it in time. They told me that was OK as it had a " signature required '' and would not be delivered and would be sent back to them. They would then refund my purchase. On Friday the XXXX XXXX XXXX XXXX  removed the " Signature Required '' from the shipment and the Package was delivered to an empty lot, or that is what the XXXX driver said. I do not have my package and the package was not delivered with " Signature Required ''. The documents clearly show it was to be delivered with " Signature Required ''. XXXX does not see this they only see the package was delivered even after explaining it to them many times. There is no way to talk directly with the person who makes this decision. You only talk to a representative " phone person ''. I can not get an answer from XXXX as to why they think the package was delivered. There is no proof the package was delivered as there is no signature to prove it was delivered, only a driver that says he dropped it off. He may have delivered it some place but it was not to me! He may also have just thrown it in a ditch. Without a signature it was not delivered. I can not go after XXXX XXXX XXXX because now there is interest on top of the purchase price.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CT)

Recently I submitted an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

Hired a moving company online virtually. 1 hour later I canceled because of negative reviews on the XXXX. I was told I would be refunded and was not. Td bank credit card charged me {$3500.00} for this and refused to open a fraud investigation. They told me I needed to sue the moving company which stupidly I did. This company does not exist and had its liscence revoked and was operating illegally when TD bank decided to pay the fraudulent charges. Needless to say TD bank is reporting my credit to XXXX major credit bureaus ruining my credit. There was never any services provided by this company. TD bank has dragged this out for XXXX  months while this fraudulent moving company has disappeared without a trace to be found. TD bank is also charging me fees that they cant explain what they are for.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-02-26
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. (GA)

I have been in communication with EXPERIAN, XXXX and XXXX and DEPT OF EDXXXX in multiple reports to point out an error that has been reported on my consumer report. Derogatory remarks have cost me the ability to extend my credit, getting denied for credit and had substantial injury for years over this false reporting. 
I have 7 paid in full accounts with DEPT OF ED/XXXX On my consumer report, it states that I had a 90 day late payment in XXXX of XXXX. I asked for EXPERIAN and DEPT OF EDXXXX to please provide evidence that I was ever late for a payment. In XX/XX/XXXX, my accounts were all in good standing and then in XX/XX/XXXX, it states I have a 90 day late payment. This is impossible in 30 days to have a 90 day late payment. 
In the last updated report # XXXX which was first started in XX/XX/XXXX and again in XX/XX/XXXX ; I sent in evidence and clearly identified the error. ( attached ) During this dispute, EXPERIAN, XXXX and XXXX did not remove the 7 accounts during verification, which is a direct violation under the United States codes of Debt collection practices in Title 15. 
I have pointed out the clear error. I am asking that all 90 day late payments be deleted from all consumer reports. All accounts should remain as they are paid in full with 100 % on time payments from each account.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have recently opened a credit card with Bank of America. On its website, I thought i've had setup autopay option for the card. But turned out, it was for the old closed credit card which is somehow still listed under my account ( there's no indication on the website that shows it has been closed, since the current active card and the defunct card is exactly the same type of card, it was confusing to see which is which to say the least ). Therefore the autopay didn't process correctly, and I was charged both late fee and interest charge. 

On XX/XX/XXXX, I contacted BoA. They were only able to reverse the late fee, but refused to reverse the interest charge. Although admitting have two cards w/ the same name that caused the confusion, especially when one of it is no longer active, which lead to the autopay wasn't being setup correctly. 

I've asked BoA 's technical team to finally removed the defunct card on the account to avoid any future confusion. And I have made the payment for the full balance since I have no intention to be late on payment. But BoA 's refusal on reversing the interest charge is not acceptable since it bears responsibility of the issue. 

Account information and charges is being listed in attached document.
Consumer complaint received 2019-05-25
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: CORELOGIC INC (PA)

Made attempts to request feedback regarding hard inquiry placed on credit file. Company failed to comply according FCRA guidelines. Sent letter via certified mail. Company failed to respond within 30 days.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since 2021. 

XXXX Student Loans Invalid Dates need to be removed off report. 

Student Loan Delinquency been inaccurate for over ten years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.