davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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: Freedom Mortgage Company (UT)

XXXX and FREEDOM MORTGAGE pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and FREEDOM MORTGAGE on XXXX  are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and FREEDOM MORTGAGE pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work immediately.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened my account, and I deposited my Child Tax Credit Stimulus check. At first, the bank put a hold on it for over 7 days, however, the next day I noticed my funds are available. Since I didn't receive my debit card yet, and I was desperately in need of my Stimulus check, I tried to use XXXX on my checking account to transfer some of the money to my wife 's account. The bank put the transaction on hold, shortly after, I received an email saying my transfer request has been canceled. The email also suggested that I have a Secure Message that I need to review, and when I tried to log back into my account, my account was locked. In order for me to unlock it, I needed my account number which I couldn't have since I didn't have access anymore. Now the bank has my money, without leaving me a chance to manage my funds and to check my messages. This is ridiculous, I can't believe the bank can be so irresponsible especially when it comes to Economic Impact Payments. What I don't understand is how they assume me having my newly opened account number and how to read my messages while my access is locked. I tried to call customer service, they reduced their working hours, so no one answered my call.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (TN)

Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.
Consumer complaint received 2022-08-28
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. (NY)

In accordance with fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky
Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

I had contacted American Education Services and made a payment of XXXX on XX/XX/XXXX. This payment was supposed to bring all 4 loans down to 39 days past due. When the payment was processed, it was not done as specified when talking to the person that took the payment by phone. When looking at the account, it showed one account being 13 days past due, two others showing 44 days past due, and the other was showing 75 days past due as of Wednesday XX/XX/XXXX. I contacted the customer service on this day and there was a request to re apply payment to correctly show the past due time/amount. If the amount paid was correctly distributed as instructed there would be no issue. As of today XX/XX/XXXX, This was still not corrected. 

Upon looking at the account on Monday XX/XX/XXXX at XXXX hours MST i noticed a change in the current interest rate at 6.06 % for two loans ( XX/XX/XXXX and XX/XX/XXXX ) without any notification at all. I received the new repayment terms from AES via the paperless inbox which was dated for XX/XX/XXXX and showed a 5.870 % interest rate. Again, I never received any notification of this change.
Consumer complaint received 2023-08-03
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)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OR)

Chase emailed and sent physical XXXX XXXX chase account to my address, stating it was opened up on XX/XX/2019. I immediately called and stated I did not open this account and they freezed/locked the account immediately. They are looking into who did open the account but have not contacted me any further. My credit report shows no other fraudulent activity.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (FL)

Company has wrote the loan amount off as a loss meaning they got paid for it due to writing the loan off as a loss but still shows on my credit report and are calling me trying to still get paid for the left over amount meaning they are getting paid twice for the delinquent amount.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXXXXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was never notified that I had not paid my credit card debt online. The last statement I received was in early XX/XX/XXXX, but there were no attempts made by Bank of America to contact me regarding my payment for XX/XX/XXXX being late. I spoke with XXXX XXXX of Bank of America in an online chat on XX/XX/XXXX, and she told me that it was not up to the bank to inform me that I had to pay a debt ( which I believe is not true ). The past due amount was {$25.00} and the total balance was {$68.00}. This debt negatively impacted my credit. I only contacted Bank of America when I happened to check my credit score and saw that it had been lowered due to this debt. Bank of America made it clear that they had no intentions of making any attempts to collect the debt owed.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (NY)

Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I did not realize that my debt was in collections until I checked the credit report prior to my employment background check. I disputed the above with XXXX and XXXX. XXXX  but have not received any correspondence. According to the credit report the XXXX. XXXX, XXXX account was opened on XX/XX/XXXX but XXXX sent me an E-Bill on XX/XX/XXXX with my balance of {$130.00} still incurring late payment fees. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for the prior termination of my account. After an investigation, the collection entry was removed and XXXX placed me with another collection agency, Diversified Adjustment with a balance of {$140.00} or unspecified balance.

Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-08-28
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. (FL)

In accordance with the Fair Credit Reporting act 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 2022-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc. (LA)

To whom it may concern ; the above company thats listed ( NATIONAL CREDIT SYSTEM ) violated my consumer rights state section 15USC.1.69 this company made 4 FDCPA VIOLATIONS ; that I will and can take to STATE & FEDERAL court to file a lawsuit for breaking each violation!
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

This is regarding the following transaction XXXX XXXX WA {$46.00} on XX/XX/2021 This is an unauthorized transaction and a dispute was initiated for this transaction with mastercard. However, neither Citibank nor Mastercard has provided any evidence that this is a valid transaction and has closed the dispute in favor of the merchant.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AL)

FedLoan Servicing reported to the credit bureaus that my Federal Graduate Plus Loan payment of {$130.00} was due in XX/XX/ 2019 when I am enrolled in an 8-year XXXX  program at a university. I was totally shocked when a credit union gave me this bogus information, today, when applying for an auto loan. No one from FedLoan Servicing has contacted me with this information as I check the website often. I called FedLoan Servicing and the lady I spoke to had this lackadaisical attitude, stating that the information was entered when there was a break after the last quarter. There is always a break before the start of the next quarter -- this is madness. She, also, stated that I should have this information, but discovered that the letter had not gone out to me. FedLoan Servicing was quick to submit a bogus credit report. FedLoan Servicing stated that the information has been updated, but I demanded an answer as to why this was deliberately done. This action of FedLoan Servicing is a violation of federal law. 

There was never a communication to me of this loan being due while I was still in school nor was a monthly payment of {$130.00} conveyed. I am sure FedLoan Servicing is well aware of the quarter system of a university. I am working on my XXXX  which is an automatic deferment.
Consumer complaint received 2020-02-05
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. (FL)

Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Two of my XXXX XXXX credit card accounts are not reporting on Equifax. They were reporting until XXXX of XXXX  and then they were not on their anymore. I have wrote a letter to XXXX XXXX and Equifax saying these accounts were not showing. I also sent in bank statements to both of them. 

Equifax sent me a letter back saying " The results of the investigation were the disputed items are not reporting on the Equifax credit file. '' But that was the whole point of sending the letter to inform them of that it wasn't. So they clearly did not read the letter or look at the bank statements. 

I called them to tell them about this issue and they told me to wait because they are still investigating. That was in XX/XX/2019 and still haven't responded. I tried to call this afternoon ( XX/XX/2019 ) and was repeatedly disconnected through their automated system. 

I also called XXXX XXXX and said it is on the Equifax because they are doing their part on their end. I also have a letter from them
Consumer complaint received 2019-01-22
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: Access Receivables of NC Inc. (TN)

I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC (FL)

On XX/XX/18 husband and I signed up for a vacation club membership through XXXX XXXX XXXX ( XXXX  ) costing {$26000.00}. I put {$6000.00} down on my credit card and the remainder {$20000.00} they opened an installment loan for {$10000.00} each for me and my husband. We never received product/service purchased but were making payments to Universal Accounting Services ( UAS ) since XX/XX/2018. As I was not getting resolution from XXXX, I contacted UAS about my loan and wanted to cancel. They stated they were just the billing company for XXXX  but would open up a case to cancel our accounts and submit it ( XXXX-case # XXXX, XXXX-case # XXXX  ). This was on XX/XX/18. On XX/XX/18, UAS called stating that XXXX  rejected our request. I have called XXXX  XX/XX/XXXX - end of XX/XX/XXXX to resolve this, then filed complaint with XXXX. On XX/XX/XXXX UAS again stated that XXXX rejected our request to cancel the contract. I stated we were retired and living on a fixed income and can't pay for a product/service we don't have. This is a financial hardship for us. She stated she would send the request again. Nothing has happened and they still are sending me bills for a product/service I don't have. I can not be paying for this any more. I filed a complaint with the XXXX  and now the Missouri AG on XXXX. I am going to stop paying them now.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (MS)

I've previously attempted to settle the matter with this company several times but they continue to ignored my requests and are in dishonor. The company received a Notice and Demand to Validate Debt Claim on XXXX XX/XX/2020, according to the tracking info on the Notice. As of XXXX XX/XX/2020, no response has been received and the company is well over the 30 days provided in the Notice and Demand to Validate the Debt. Carmax responded to the previous complaint to the CFPB on XX/XX/2020 where they allege their " records do not reflect receipt XXXX a debt validation request from Ms XXXX prior to her complaint '' which is false and misleading because the USPS tracking number shows that the document was delivered on XX/XX/2020.