davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (NC)

On XX/XX/XXXX, I initiated a dispute with ASPEN NATIONAL COLLECTION to request verification and cessation of all collection and reporting activities until the debt 's validity is confirmed. However, to date, I have not received any correspondence from them. 

In addition to the verification request, I also highlighted several inaccuracies within the account, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, wherein the furnisher of information is obligated to report accurate information to ensure FCRA compliance .

Among the inaccuracies are the absence of information from XXXX and XXXX, as well as a lack of details from XXXX, including monthly payments, number of months, credit limit, past due amounts, and payment history. These inaccuracies and incomplete information are crucial in disputing the validity of the account. 

Most significantly, I did not receive any notice from ASPEN NATIONAL COLLECTION within five days of allegedly receiving this account. This lack of notice prompted me to file a complaint, as I am unaware of this debt and did not receive proper notification. If ASPEN NATIONAL COLLECTION claims to have sent me proper notification, I request that they provide the certified mail receipt with my signature as evidence of receipt.
Consumer complaint received 2023-03-19
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. (GA)

I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FactorTrust, Inc. (TN)

I applied for and was denied consideration for a loan. I requested a report to see what was on the report upon receiving the report I noticed inaccurate and redundant information on my report and created a written dispute accordingly. The company continues to post inaccurate data on my report.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

XXXX XXXX Letter was sent to BMW Financial Services, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Consumer complaint received 2019-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Dear to whom it concern, On XX/XX/2019, I tried to transfer my membership rewards to my authorized flyer account ( XXXX XXXX ), however, I was notified that the system did not allow me to transfer my rewards because my account is " under reviewed ''. I contact the Membership rewards team customer service, they did not give me a specific reason what triggered the review. However, the representative told me it might take 6-8 weeks to finish the review, and before that, my membership reward points are frozen. She also told me if I try to transfer or use my points, the review process will take even longer so I was afraid to use my points during the time. On XX/XX/XXXX, I called the Membership reward team again to ask if my account is finished reviewed by the team and if my points were unfrozen. The representative told me that my account is NOT being reviewed anymore, and he was sure that I can start using my points successfully. On the same day after the phone call, I tried to transfer XXXX points to my XXXX Account through the membership rewards website, but the system still did not let the points go through. I called the general customer team immediately ( because the Membership Reward team was closed at the time ), I told the representative that I was confused because the MR team representative told me I can start using my points but I still can't, and I was also worried that the review process may take even longer because I tried to transfer my points during the time when they are still reviewing my account. The representative told me not to worry because if the MR team gave me the wrong information, they have the responsibility to make the review process shorter. On XX/XX/XXXX, I called the MR team and the representative told me my account was still being reviewed and apologized for giving me the wrong information yesterday, however, there was NOTHING they could do to release my points or make the review process shorter. I am very disappointed because it was not my problem that my account is under review ( every purchase on the statement was normal I really do not know why they are reviewing my account ). Also, the MR team gave me the wrong information causing me trying to transfer my points during the review, which led to a longer time of the reviewing process. I am kindly asking if they can release my points because of the mistake they made.
Consumer complaint received 2023-03-19
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. (NC)

I am writing another complaint to Experian in regards of a fraudulent debt that you have on my credit report. On XX/XX/2022, and XX/XX/2022, I sent a validation letter to Experian certified mail. Receipt number XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I have attached these letters with this complaint. Experian has fraudulently put an account on my report, XXXX XXXX Account # XXXX. I also submitted a complaint on XX/XX/XXXX, XXXX and to date, I have not received any response from Experian regarding my request for verification. I have waited more than 30 days and still havent received any response in according to my letters. Experian has refused to respond to my request to know how this was verified and the method of verification or provide me with the documentation necessary to validate this debt. 
Pursuant to the Fair Credit Collection Reporting Act ( FCRA ), I am entitled to request verification of this debt within 30 days of you receiving my dispute. 
I am writing to inform you that your failure to provide me with the necessary validation of this debt is a violation of my rights under the FCRA. 
As you are aware, the FCRA requires debt collectors to provide consumers with written validation of any debt within 30 days of the initial communication. Failure to do so is a violation of the law and my rights 15USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information & 15USC 1681s-2 & 15USC 1692. And this may result in legal action being taken against your organization. 
Therefore, I demand that you immediately provide me with the necessary documentation to validate this debt, as required by the FRCA. Failure to do so will result in me pursuing all available legal remedies to protect my rights and hold your organization accountable for any violations of the law.
Consumer complaint received 2018-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I was alerted by XXXX, XXXX and XXXX  that the collection agency by the name of Transworld added two file to my credit report. So I initially disputed it in XX/XX/2018 as fraudulent due to the fact that I have NEVER had a signed contract and/or account with this company. To no avail they have done nothing, but continue to report invalidated information to all of my credit bureaus. I have sent them letters asking them to provide such information and they have not done anything. This is fraudulent and illegal to have on my credit file.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2020-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed (NY)

A company Called Texas Guaranteed, later renamed Trellis Company sued me in the wrong jurisdiction, the state of Texas, and I have never even been to Texas. I live in New York. They started garnishing my wages while I was working at XXXX XXXX and that was how I learned they were suing me, they didn't even sue me first to obtain a judgment, they just started garnishing my wages. They also added over {$2000.00} onto my loan. I spoke to the federal government in XXXX and was told I had no federal student loans, they were all private. How did these 2 loans suddenly become federal loans? I was forced to pay {$130.00} per month to Texas Guaranteed, now known as Trellis in exchange for them to stop garnishing my wages, which they were taking over {$200.00} a paycheck as a garnishment. I told them several time they were suing me in the wrong jurisdiction and that it was illegal but they did not care and stated they could get away with it. NSLDS states the total borrowed on one of the loans was {$2900.00} & with an outstanding principal as of XX/XX/XXXX of {$2300.00}. The second loan states the total borrowed was {$11000.00} and the outstanding principal as of XX/XX/XXXX was {$9100.00}. The loan was also for some reason put in forbearance without me knowing or being told on XX/XX/XXXX. I will attach documents but Texas Guaranteed now known as Trellis added on fees, sued me in the wrong jurisdiction, started illegally garnishing my wages to force me into a payment plan from the wrong jurisdiction and added on thousands of dollars in fees to my loans. I had to switch the loan to another service provider because they were not providing me tax forms for the IRS so I could do my taxes and I have need them held accountable for their actions. I would like the loans to be wiped out and the fees taken back and to refunded for the payments I was forced to make to this company as a result of my wages being garnished and me being sued in the wrong jurisdiction. I need them to be held criminally accountable.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC (NY)

I am writing to bring to your attention a concerning matter regarding a recent communication I received from Rubin and Rothman concerning file XXXX XXXXXXXX. 

In the letter I received, the company alleges a debt that I have not received any verification of. As a consumer, it is imperative for me to have clear and accurate information about any debts attributed to me. 

Furthermore, I wish to highlight that the statute of limitations has expired for legal action on this debt according to New York law, which stipulates a XXXX limit. Pursuing legal action on this debt would therefore be in violation of the law. 

Additionally, the letter I received did not specify the amount owed on this account. Without this crucial information, I am unable to assess the validity of the debt and take appropriate action. 

I kindly request your assistance in addressing this matter. I urge you to investigate this company 's practices and ensure compliance with New York state laws and regulations regarding debt collection. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-03-19
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)

Ive sent multiple letters to get a collection removed. Alleged account- XXXX XXXX XXXX. Its been removed and its come back as another company. Under 15 US Code 1692j Section 807 ( FDCPA ) Furnishing false deceptive forms. Furthermore proof of purchase discounted cost of the debt is requested. Provide a copy of consumers signature on a contract.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (WI)

I received a letter from GM Financial that I would receive a final bill for any excess mileage and wear and tear in approx 45 days after I turned in the vehicle. I turned in the Vehicle on XX/XX/2019. On XX/XX/2019 I received a final bill that was due XX/XX/2019. On the bill it stated excess mileage of XXXX, a disposition fee of {$390.00}, and XXXX in tax. I was not made aware of the disposition fee until I received this bill as it is not stated in an identifiable manner but rather buried within the contract. the dealership that leased the vehicle to me did not disclose this to us at the time of leasing the car and we were shocked to receive this bill 3 months after we turned in the car and for 3 times what we anticipated. Upon calling GM financial the associate I spoke to stated the fee was for auction services, however the dealership bought my car and the car was not sold at auction. The GM associate changed her story and said the fee was a end of lease fee, when I asked why I didn't have to pay this on my previous lease she said that she did not know and would have to pull the contract. I also kept checking the website for my lease to see what my final bill was and it stated paid in full along with my credit report which I pulled in XX/XX/2019 which stated paid in full. when I checked my credit report today it not says I owe money and the account is open again this is inaccurate reporting. I feel this is deceptive practices for leasing a vehicle and this information should be accurate, disclosed correctly to the consumer at the time of the lease and not hidden in the contract and reported accurately to credit bureaus. Not a complete surprise 3 months after you turn in a vehicle. The GM financial associate also stated that I have 30 days to pay before I am reported late.
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gragil Associates, Inc. (NH)

In the process of applying for a mortgage, I became aware of two accounts in collections with Gragil Associates for services provided at XXXX Hospital in XXXX NH. I did receive bills from XXXX Hospital after the services ( two ER visits ) and let them know that they had billed the wrong insurance company, not the one that I had at the time of service. I was told that it would be resolved, and stopped getting bills from the hospital. This is the last I heard of it. When I found this on my credit report, I filed a dispute with XX/XX/XXXX ; the result was " verified as accurate ''. I contacted the hospital and was told that since it is in collections, they can not discuss it. I have contacted Gragil Associates directly at XXXX : I requested service dates for the original ER visits and was only given one date of XX/XX/16 and told that the other visit was " that same fall ''. I requested account numbers for each collection account and was refused. I requested that a statement be mailed to me so that I could have the full account numbers and bill for my records and was told that " the account is too old, we don't do that. We already sent it to you so you should have it. '' She verified my mailing address, which was correct, however I did not receive any notice by mail from this company. She told me that she was unable to tell me if the original charges were ever billed to the insurance company or provide any other details about the charges. When I told her that I believed there was an error in billing, she stated that " it was probably your deductible. '' The charges total nearly {$5000.00} combined. I was insured by XXXX XXXX at the time of the services ( one ER visit for myself, one for my daughter ), and I have been fortunate enough to have very good insurance coverage. I have never had a plan with a plan deductible over {$2000.00}, which means that the error in original billing was never corrected and simply sent to collections. The original provider will not address the problem, and the collection agency refuses to provide me with even the basic information about the debt. 
At this point my hands are tied, and even if I just gave up and paid the full amounts ( plus " collections fees '' of course ), the collection will remain on my credit report and still prevent me from being able to buy my first home. I appreciate any help that you can give. I am unable to attach documents, as I have not been provided any. 
Collection agency is Gragil Associates, XXXX XXXX XXXX, XXXX MA, XXXX, ph # XXXX.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (GA)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-03-09
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. (FL)

In accordance with the fair credit reporting act XXXX  account with, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX  and 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature