davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

My father has spent the last XXXX months bouncing from XXXX XXXX, to the XXXX, to XXXX XXXX, to XXXX XXXX XXXX. After failing to maintain any regularity at my health club, I instructed them to keep my account frozen until further notice. 

While my account was frozen, I was billed the freeze rate of XXXX. However, an expired credit card on file couldn't be charged. Rather than contact me to alert me of this issue, XXXX XXXX XXXX XXXX ( XXXX ) continued to charge me month in, month out, as well as tack on a {$15.00} dollar late payment fee for each month. 

XXXX eventually unfroze my account, again without notification. They billed this expired credit card {$75.00} and then another {$15.00} late payment free. After explaining the issue to XXXX, they decided they would not waive these fees and instead turn things over to XXXX XXXX XXXX. That did not end up being the debt agency. Instead, I was contacted by Aldous and Associates. When they contacted me I explained the issue, but they informed me they would nothing about the balance, and I could either pay the full amount of XXXX or file a complaint, of which I'm doing now.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (FL)

Hello, My name is XXXX XXXX and I need some help, please. 

On XX/XX/XXXX my GAP rebate from XXXX was added as a {$660.00} payment to my Hyundai Finance Account for a XXXX Hyundai XXXX XXXX. It was not deducted from loan balance. Beginning in late XXXX, more than several calls were made to Hyundai customer service. Each time I was told it was taken care of and depending on who was answering the call, I was told to wait from 3 to 7 business days for the payment to be applied to the principal. 

Tonight XX/XX/XXXX, just about two months expo facto, I was told they did not credit my account because I was delinquent. Indeed, my payment history shows I have paid extra on more than several occasions and have never been delinquent. 

In the short time I've had this car there have been 2 recalls and one very expensive breakdown on the other side of the State with only cost of repairs being covered under warranty. The Hyundai dealer wouldn't even get me a car to drive to the other side of State so I could go to work.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation (TX)

Covington Credit is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire an attorney and see damages actual and statutory damages.
Consumer complaint received 2020-08-07
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. (CA)

I had a car on my credit report paid off. I did not file bankruptcy on the car. The company is refusing to show paid off. The put paid off through bankruptcy. I sent the letter to the credit bearu to show the car was paid off but they did not change the report. This is causing my score and car credit history to be low and im paying a higher interest rate.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (LA)

I have reason to believe that XXXX XXXXXXXX refused to drop my name from their books and continued to charge loans in my name. I enrolled in the in the school and quickly found out that their accreditation were questionable, so I dropped the classes. Years later, I notice that all of those classes were charged in my name.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

XXXX XXXX was my XXXX she got the insurance money and she is a scam XXXX she never gave me any results from any test she cares about money not people I might look into a lawyer to make sure she doesn't scam anyone else. Thank u XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

This is in regard to account number - XXXX, Original Creditor Name : XXXX XXXX XXXX. 

On XX/XX/2015, I was transported to the emergency room by XXXX XXXX XXXX. I provided my insurance information during transport. XXXX XXXX XXXX did not properly bill my insurance carrier for my transport. 

I called my insurance carrier ( XXXX ) to confirm my claim status with XXXX XXXX XXXX and was advised that no claim was filed on my behalf. I then contacted the XXXX XXXX XXXX directly and spoke to a representative to advise that a claim was submitted inaccurately or not at all, which caused a billing error/issue. I informed the representative with XXXX XXXX XXXX, after speaking with my insurance carrier ( XXXX ), to re-submit the medical claim, at which point the representative refused to resubmit claim stating that the timely filing period has expired, and I am now the responsible party of the alleged XXXX XXXX  bill. I believe XXXX XXXX XXXX balance billed me, which is illegal in the state of GA and then sold the account to Creditors Bureau Associates ( Collection Agency ). 

Creditors Bureau Association failed to provide me a notice of debt, prior to inserting this alleged account onto my credit report. I was not provided the opportunity to request validation of this alleged debt. I have disputed this alleged account on several different occasions with all major credit reporting agencies, as well as the collection agency, and all parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (MI)

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, Experian, and XXXX ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX XXXX XXXX XXXX Michigan  and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

I have disputed this account with company SEVERAL Times. This same account was removed from my credit reports on XX/XX/XXXX and XX/XX/XXXX. This company has yet again put this inaccurate and unverified account back on my credit report When I called the customer service rep was very nasty and rude and also told me the account was not coming up under my social security number. This collection agency needs to be banned from doing business because their tactics are illegal.
Consumer complaint received 2022-08-26
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)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance {$0.00}
Consumer complaint received 2022-02-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc. (MN)

I included a student loan in a Bankruptcy that I needed to file back in like XXXX and it passed through the Bankruptcy court. 20 some years later XXXX XXXX XXXX said that because I consolidated all my debt that that portion the student loan did not pass through. I have tried to talk with these people through the years { XXXX XXXX XXXX XXXX to try and come to some kind of resolution to this and they have been totally unwilling to work with me at all. The amount of the loan was XXXX dollars taken out to attend a XXXX  college back in XXXX. The bankruptcy was filed before they { student loans } could not be included in a bankruptcy. It was in I am thinking XXXX when they threatened to start garnishing my wages unless I started making payments. The amount of the loan with interest is now like XXXX dollars. I have learned through the media that XXXX XXXX XXXX has fraudulently charge loan holders of past loans and am hoping that you can help me to resolve this issue with this company, Thank you for your time in looking into this and hopefully giving me some kind of guidence in the steps I need to take next. Thank ou
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  bankruptcyChapter XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion and the debt collection agency regarding an account on my credit report. I asked Transunion to verify the debt and also for the debt collector to validate and send me. According to FCRA/Law to validate debt must show instrument/contract bearing my signature. However i was given a statement which doesnt prove account to be mine. Also XXXX seems to be violated listing what was done at the hospital. No XXXX release was sent when statment was sent. I want the account deleted and remedy to be provided. Im not interested in another investigation
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (CA)

I opened a personal account with Wise on XX/XX/XXXX, and I received about XXXX XXXX that day. But when I transferred money, Wise restricted my transfer. On XX/XX/XXXX, Wise closed my account. I then asked Wise to refund my balance through XXXX, but Wise responded to the email on XX/XX/XXXX and refused to refund. Wise 's behavior is an infringement of personal property and is absolutely unacceptable.
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

Hello! 

I have been a Chase Bank user since my parents let me get a debit card in High School. While I have had mostly amazing experiences with Chase Bank, today was really hard for me and it makes me think twice about Chase and the fraud protection they offer to their customers. Or, lack there of. 

On the morning of Thursday, XX/XX/XXXX, I went to go buy tickets for my favorite artist, XXXX who would be performing on Friday, XX/XX/XXXX at the XXXX in XXXX XXXX XXXX, Utah. When I went to the website to try to buy tickets, I noticed they were sold out. This scared me, because I knew I couldn't miss the show. So I proceeded to go on XXXX to see if there was anyone selling tickets. Having been scammed by a scam artist one other time, I was trying to be extra careful when looking for tickets. My boyfriend XXXX, and my friend XXXX both wanted to go as well, and trusted me to find the tickets. I came across a girl named XXXX who seemed to have a decent profile and I texted the number she included in her post. I will attach our texting conversation in this thread. I told her I was looking for 3 tickets for me and two of my friends. She told me she had 4, and could sell me 3, for {$45.00} each. I told her I recently was scammed and didn't want another experience like that, and she proceeded to send me the ticket confirmation email as proof. I believed her. I asked my boyfriend and my friend to XXXX me {$45.00} each, and they did. The girl wanted me to pay her via XXXX, which is something that Chase Quick Pay owns. I had her email, and her phone number, so I thought even if this was a scam, I would be okay, since Chase has all of their information. Right? Wrong. I paid the girl, and she told me she was sending me the tickets. Well, they never came. I never got them. I called the girl, call rejected. She blocked me. She deleted her XXXX, so I wouldn't find her. 

I called XXXX, sobbing. {$130.00} down the drain. How do people do this to others? Is this what they do with their lives? Does this make people happy? When I told them what happened, the lady over the phone said " There's nothing we can do. '' I'm sorry, what? You literally have a phone number AND and email attached to this person 's account, and you can't track them down and flag them? It was just a simple NO. How could Chase Quick Pay own XXXX and work with XXXX if they can't find a way to track down scammers? I am not putting up with this.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/2021, I submitted an over the phone payment to Caliber Home Loans in the full amount of {$2900.00} My husband and I were looking to do a refi around this time and were informed not to make the payment for that month. However ; we decided that wouldn't be the way to go and to make the payment. After calling caliber customer service the agent insured us the payment would be received that same day on time with no problem. And of course this was our first time ever making a payment over the phone. 
Records will verify.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, Equifax, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

The Original Creditor ( XXXX  XXXX XXXX ) closed the account of {$670.00}. An unauthorized account was opened by TRANSWORLD SYSTEMS on XX/XX/2013. Nothing is due to TRANSWORLD SYSTEMS, who has also tried to collect the same debt under the name TRANSWORLD SYSTEMS INCORPORATED, because I never agreed to a contract with them. The unauthorized account opened by TRANSWORLD SYSTEMS AND TRANSWORLD SYSTEMS INCORPORTED on XX/XX/2013.
Consumer complaint received 2022-02-02
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. (MI)

I have been sending written letters to TransUnion about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, TransUnion and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below is the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$830.00} XXXX. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$420.00} XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired XXXX XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2022-06-16
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question
Consumer complaint received 2022-06-16
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question