davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Scheer, Green & Burke L.P.A. (LA)

I contacted the original creditor that they claimed to have had a file number for after setting up a payment arrangement prior with this company Scheer, Green , & Burke, Co LPA which I called back and told them that I knew my rights they had to provide to me within 5 days validation of this debt that I was not paying this that I spoke to the original creditor and they have no knowledge of me in there account whatsoever. The law office tried to claim that they would not have that record and I told them by law they can not collect a debt after a due expiration date if I can not validate the debt. This is a scam I told them that I was reporting them to you all as well. I am in the middle of obtaining a mortgage for my first home and I am scared to death. The original creditor said that if that debt was valid that I would have already had a mark on my credit report which I do not. Can someone please help. They are stating that I have to give them a settlement amount on XX/XX/XXXX I close on my home XX/XX/XXXX or a few days after. They are claiming this is for an emergency room visit of XX/XX/XXXX of last year. I also spoke with the attorney generals office and they told me that its probably a scam and to fill out there form.
Consumer complaint received 2022-07-22
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 below accounts have violated my rights. 

XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

On XX/XX/2021 I checked my credit report and noticed Caine & Weiner reported a balance in collection of {$320.00}. On XX/XX/2021 I sent a certified letter which was signed on XX/XX/2021 with tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 I received a letter with no verification just amount due and case #. I sent a 2nd certified letter which was signed on XX/XX/2021 with tracking # XXXX. Have not received a resolution or an answer back.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (UT)

In my previous comments I said Goldman Sachs didnt handle the account correctly and I couldnt get any help Im not even supposed to have a credit card in my possession and mishandled my Apple Card with Goldman Sachs I feel like I was mistreated and I just want an appology for how things went about Im wanting to know why they wouldnt help me with my bill and I wasnt too happy about that I have a major disability and have lots of issues Im working on hope to be in contact soon
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I have a charge off account from Chrysler capital on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by Chrysler settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by Chrysler capital & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXX/Experian/XXXX XXXX credit reporting agency . These inaccurate addresses and accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2022-03-02
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. (FL)

XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance {$0.00} ; DISCOVERBANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate name, addresses and accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA Federal Savings Bank is illegally withholding access to my accounts and forcing me to answer survey questions in order to have access to my accounts. These questions include privacy-violating questions such as total net worth, annual income, foreign associations, etc ...
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IL)

I did not authorize my roommate to add me as a user to this card. 
Email XXXX  Opened up bank accounts falsely in my name while i was traveling abroad, bounced checks etc, and racked up debt ... .... That as the main user on the account like AMEx has stated to me, he can only get me removed from the account .... sometimes they just run me in phone call circles. The account is listed as Authorized user, I need this removed, it not my obligation, nor did i ever agree to its or sign anything regarding the accounts terms. ETC DO they have any prooof?
Consumer complaint received 2018-05-07
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 (TX)

Hello, Capital One called me on the XX/XX/XXXX of the month telling me my credit card payment was going to be late 30 days if I didn't pay them. I paid them right away over the phone and my debit account was deducted right away. However, Capital One is now showing I have a late payment ( for 30 days ) for the month of XX/XX/XXXX. How can that be if I paid on the XX/XX/XXXX?

Im closing on my house purchase on the XX/XX/XXXX and because of this late pay, I now dont qualify. 
I have called Capital One numerous times and they tell me they can not send me any letter stating It was a mistake on their part and I have to wait until my credit updates. My mortgage lender just repulled my credit and its still reporting as late. 
I need this XX/XX/XXXX day late to be removed right away so i can close on my house. 
Please help.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CO)

On XX/XX/2018 I received a bill for a {$4.00} toll-road charge from XXXX XXXX XXXX XXXX for using their toll road on XX/XX/2018. The bill says the due-date was XX/XX/2018, so I set the bill up in my bank 's BillPay system to distribute the funds on XX/XX/2018. 

On XX/XX/2018 I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX XXXX, saying I had not paid this bill, and had been sent to collections for a total of {$35.00}. The letter was authored on XX/XX/2018 - a full XXXX XXXX XXXX XXXX days before the bill was due. 

To be clear : The funds were delivered in full ( {$4.00} XXXX to XXXX XXXX 's billing address of XXXX. XXXX XXXX, XXXX, CO XXXX on XX/XX/2018 - a full business day before the bill 's printed due-date. My bank can provide additional proof of this via a payment verification inquiry, if needed. 

On XX/XX/2018, I drafted and sent via Certified US Mail, two Debt Verification letters : one each to both listed mailing addresses for the offices of Linebarger Goggan Blair & Sampson, LLP. The letters were delivered XX/XX/2018 and XX/XX/2018, respectively. 

Despite the above, today, XX/XX/2018, I am in receipt of yet another bill from XXXX XXXX XXXX XXXX. 
Attached you will find copies of the original bill, the debt-collection letter, two debt  verification letters, two USPS Certified Mail Receipts, and one USPS transaction receipt with tracking numbers.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

My mortgage was transferred between 2 servicers. XXXX/themoneysource sold our loan to XXXX. 

XXXX and monthly payment collections during the process was very unclear. Correspondence from XXXX/TMS specified a XX/XX/21 effective date. XXXX specified a XX/XX/21 effective date. Both servicers required a XXXX payment. 

I want my second XXXX payment back and I want these companies to substantially improve their communication.
Consumer complaint received 2021-06-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by XXXX  and XXXX  but still reappears as another collection. The newest date shows XXXX which is false.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This agency is in violation of 15 USC 1692g. They were to notify me in writing 5days prior. I was not notified. As the original creditor only I can validate the debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. 

1. Account concerning XXXXXXXX XXXX XXXX and. 
2. Account concerning XXXX XXXX XXXX XXXX XXXX. 

The reporting of these accounts is/are violation of 15 USC 1681 And The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( b ).

Under Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as and card used to extend credit, like Social Security Card or Driver 's License Card. Any authorization or approval of a specific extension of my credit directly or indirectly by the issue of the card is unlimited and backed by the full Faith and Credit of the United States Government per House Joint Resolution 192 48, 48, 112 and public law 73-10. The Government claims any and ALL debt and promises to pay Principle and interest dollar for dollar. 

After requesting a authentic record of account, proof of claim and right to collect also proof of consent to use or share personal information. 

I also realize I have the right to remove negative information from my report and have stated already that they don't have my consent and my Fee schedule for damages and copyright infringement could be found on my XXXX XXXX.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I had to go to XXXX XXXX Department - XXXX, XXXX XXXX XXXX, XXXX, FL XXXX for domestic XXXX reported to police. I have insurance and I provided my information in the hospital, I also had a bill for {$150.00} dollars in the mail for the XXXX and it was paid. Today XX/XX/XXXX I got a collection letter in my mail dated as XX/XX/XXXX for the amount of {$700.00} dollars with my name but the wrong street, no building letter and no apartment numbers from ; TSI Physical Address : Transworld Sustems Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Phone # XXXX Telling me that I am in collections for the amount of {$700.00} dollars from XXXX XXXX XXXX XXXX for the XXXX XX/XX/XXXX with no prior bills, statement or any kind of communication letter, validation letter for that amount. I called and collection agency just offered me to send me a validation letter. I called the hospital multiple times and they didnt answer the phone at all. I have an excellent credit and I never skip a payment in my life. I am very organized person and responsible to let my someone else to damage my credit, and put me in collection with no prior statement or communication having in mind that the hospital collected {$150.00} dollars after Insurance for the same DOS. I provided my driver license and my Ins card. No reason for my address to be wrong in the collection letter and I can proof of need it.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX  XXXX XXXX - Account # : XXXX - {$1100.00}
Consumer complaint received 2020-02-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (TN)

Refusing to cease and desist all communication except by us mail. They are saying state law allows them. They are violating federal law. Contacted on XX/XX/2020, XX/XX/2020, XX/XX/2020 multiple times after they responded to my first complaint denying they quit and werent doing it. Please see screen shots of the emails we have exchanged. Im going to sue them for said violations.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thunderbird Collection Specialists, Inc. (AZ)

I have been threatened on multiple occasions over the phone by Thunderbird Collection Specialists Inc on multiple occasions on the phone with abusive language and behavior. The first call the lady stated " how was I going to rent anywhere else '' when I informed her we own a house she yelled " I know XXXX ( my sister in law ) got you and your wife into this mess '' and was cussing at me. At which point I cussed back and said " Your XXXX company is no longer authorized to call me ever again ''. They have called XXXX to XXXX times since with the last one being today XX/XX/2022 at XXXX am Arizona XXXX. Which I have saved and have blocked multiple numbers and calls from them. Also today I received a letter which I will attach a picture of stating the following threat " Dear XXXX XXXX, YOU HAVE FAILED TO MAKE ACCEPTABLE ARRANGEMENTS WITH US REGARDING THE REFERENCED ACCOUNT. WILL IT BE AGREEABLE WITH YOU FOR US TO CONTACT YOUR EMPLOYER AND ARRANGE TO HAVE THIS DEDUCTED FROM YOUR SALARY BY MEANS OF A VOLUNTARY WAGE ASSIGNMENT? PLEASE REPLY IMMEDIATELY. Sincerely, XXXX XXXX. My father recently was passing away and we needed to pick up and leave to be able to care for him including his frequent falls, lack of hygiene and being in complete renal failure and thus squired this debt. But however since my father 's passing TCS has made several threatening statements and phone calls which is all been documented and provided. Under the fair debt collection act debt collectors are not allowed to harass or intimidate the debtor which letters and/or harassing phone calls especially if the debtor has told them repeatedly to cease all contact. I'm requesting your agency to step in and intervene in legal manner available to get TCS to discontinue their unfair and illegal debt collection tactics, and to warn others of thier activities in order to inform the general public and consumers about Thier shady practices.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX 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 XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have 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 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I received a letter from Credit Collection Services stating that I owe a debt from XXXX XXXX Auto and Home .I do not owe a debt from this company and they were unable to validate or show proof of a contract from this debt. There is no such debt reporting on none of the 3 credit bureaus from XXXX XXXX Auto and Home nor Credit Collection Service so therefore how can Credit Collections confirm a that if there is no debt reporting they are trying to extort money from a debt that is not owed therefore they need to take this account and delete it from their files it's not even reporting from them nor XXXX XXXX auto on none of my credit reports. FRAUDULENT ACTIVITY.
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a police report for fraud Send it to the XXXX XXXX XXXX The account is fraudly open in my name I asked for a signature with my name and they failed to send but are still reporting on my credit report