davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (CA)

I received a letter from Phillips Cohen and Associates Ltd. on XX/XX/XXXX. The letter was dated XX/XX/XXXX. On XX/XX/XXXX I was shopping at XXXX XXXX and learned my account was frozen due to probate estate issues alleged by the aforementioned debt collector. I called the company but they were closed for the weekend. On Monday XX/XX/XXXX I called the company and was informed the collector was under the impression I was deceased. The person I talked to was a manager named XXXX, while talking to him I informed him I was not deceased. XXXX never informed me why or how his company reached this decision. He did say he would contact XXXX credit department and resolve the issue. He then gave me a number to call. The number was for XXXX XXXX probate department. I received more information from the representative from XXXXXXXXXXXX than I did from XXXX at PCA Ltd. The representative informed me my name got mixed up with my father who is a XXXX and I 'm a XXXX. I did not use the XXXX in my name, so thus the confusion. My complaint is freezing accounts without prior notice and not fully investigating who I was would have shown this was a non issue. I ca n't figure out why social security numbers were n't used to solve the issue before freezing accounts. This company has many complaints at the FDCPA. I was humiliated and embarrassed when my card was denied. I had available credit but account was frozen. PCA Ltd. seems to think this is normal business practice. I feel it must be business as normal if they 're never made to account for their actions. It is my hope no other consumers experience this humiliation.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am being charged " late fees '' for making my credit card payments on the due date. The specific charge in dispute was a payment made on the due date of XX/XX/2022 at approximately XXXX XXXX ( PST ). 

Capital One is refusing to reverse or waive the late fee because Capital One received the payment on the due date, however approximately 45 minutes late... There is no grace period offered, let alone being heard, for any payment made on the due date after XXXX XXXX ( PST ). 

I find this kind of behavior from a bank unfair, unethical and quite discriminatory, especially as all attempts were made to make a payment on time. After explaining my circumstance, I believe Capital One and its representative preyed on my current financial situation and discriminated directly against me. Capital One and its representative ensured me the late fee will be imposed, whether the payment was made 1 minute or 45 minutes past XXXX XXXX regardless of the circumstance and payment being made on the due date. 

Capital One, XXXX XXXX, or any bank needs to be clear, transparent, and lawful when issuing late fees, overdraft fees, etc.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (AL)

On XX/XX/2023 I wrote to Experian to have some hard inquiries investigated and removed. They are not mine. I already contacted the companies. They said I needed to contact the Credit Bureau which I did. I did not give them permission for them to run my credit. Those inquiries were not authorized. Experian never responded to my investigation. It's been almost 60 days where is my response. This is unacceptable.!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until Mar 2023 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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. (IL)

I have sent dispute letters to Transunion, XXXX and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from Transunion and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over 20 points.

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

I have disputed a medical debt with debt collector LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX that is on my credit report in collections reported as derogative several times. I have sent a debt validation letter 2x by certified mail on XX/XX/XXXX and XX/XX/XXXX and contacted XXXX credit bureau. I have asked the debt collector to respond to the dispute in written communication and have gotten NO REPSONSE. Debt collector has damaged my credit and continues to call me and collect with no responses to my debt validation letters. If debt is valid or belong to me I DID NOT sign a HIPPA form to given consent for my medical records to be released.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lendgo, Inc. (OR)

I was on the internet yesterday when an ad popped up from LENDGO.com for a mortgage rate of XXXX % on a 30 year fixed home loan. Excited at the thought of lowering payments when everything else I read is pushing 4 %, I punched in my info. Within seconds of it my phone started blowing up with phone calls, texts and emails from companies wanting to refi my loan. XXXX XXXX XXXX ) at XXXX XXXX was wanting to pull my credit even when I told him I didn't think he could do anything for me because of the inavavailabitly of rates. I have a current loan for XXXX-there 's no need to refi at a higher rate-it makes no sense to me not to mention, the 2 % isn't available. Mutual of XXXX ( XXXX ) also called and the guy I spoke to, I hung up on because he wouldn't drop the call when I said I wasn't interested if he didn't have a 2 % rate like Lendgo said. I now just had another call from ( XXXX ) and while personable, the guy got upset when I wasn't going to refi and wanted to thank me for him being able to make contact-very odd.
Consumer complaint received 2022-10-26
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. (IL)

In accordance with the credit Reporting act XXXX  Account XXXX 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 a account without my written instructions.
Consumer complaint received 2017-08-23
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. (VA)

On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00} XXXX  XXXX  XXXX/ XXXX / {$840.00}
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the credit Reporting act XXXX Account XXXX 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 a account without my written instructions.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

I am an XXXX XXXX service member and have been since XXXX. For whatever reason when I opened my XXXX XXXX XXXX, specifically the XXXX XXXX and not the standard Platinum, American Express did not apply the Military Lending Act to that card. They have previously applied it to all other American Express cards with no problem, but for some reason did not do so when I opened this account. For the last two years I have tried several times to have them please apply the XXXX to my account with no success. Most of the attempts resulted in a response where American Express mistakenly attempted to apply the Servicemembers Credit Relief Act instead of the XXXX ( as I opened the account after entering XXXX XXXX this does not apply to me ), even when I specifically asked to be reviewed for the XXXX not the XXXX. The last XXXX attempts were successful in getting the account reviewed for XXXX eligibility, but I was then told that the XXXX database did not report I was eligible for XXXX coverage. As this confused me I logged into the XXXX database myself to check and found that I was in fact eligible for XXXX coverage according to the Department of Defense. I then proceeded to check the XXXX database to see if there was a clerical error there and found that I was also accurately reflected as being eligible for XXXX under that database as well. It was at this point I again attempted an XXXX account review with amex for my XXXX XXXX card, except this time I have not even been given a response. Can you please help me? I will attach my proof of eligibility that I received from both the XXXX and XXXX databases below. This is a dispute I have been attempting to put to rest for over two years now and would like it to be settled as soon as possible.
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

****NEW AND UPDATED INFORMATION REF XXXX The company has admitted to being willfully noncompliant to the FDCPA and Truth In Lending. I will be addressing multiple violations within the contract and response provided by Credit Acceptance. First, FEDERAL law says you have to RESPOND to my debt validation letter as well as my cease and desist, in which you have failed to do and you are showing that you are willfully being noncompliant with FEDERAL law. Second, Credit Acceptance is a debt collector as defined by the FDCPA, you sent monthly statements to my email implying that I owed a debt.. which is the definition of what a debt collector ; please reread the law. Third, 15 USC 1635 says that the consumer has the right to rescind a transaction in regards to ANY consumer credit transaction. You FAILED to provide me with my right to rescind pursuant to the Truth In Lending Act which constitutes fraud. You have also failed to disclose that pursuant to 15 USC 1605, my insurance could've been included in my finance charge.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (TX)

On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX  XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 multiple transactions, including atm transaction were made in XXXX, FL. I live in XXXX, TX and was not in Florida at all. 
There was more than {$2600.00} withdrew from account by atm withdrawals and shopping. Wells Fargo is saying I am responsible for these charges bc a chip card was used. I have the card in person, I do not know anyone in Florida, and it wouldve been IMPOSSIBLE for me to have made the transactions. Wells Fargo is considering the claim closed without refunding us the amount fraudulently taken. Wells Fargo even asked us to file a police report if its fraudulent, which we have done.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (TX)

My complaint is against : https : //creditcontrol.net/ They received a request to collect from : https : //frontier.com/ This was a problem CAUSED by XXXX XXXX. I have called them MULTIPLE TIMES, including yesterday XX/XX/2022. 

When I sold my home in XX/XX/2022 in Texas, I left the internet connected for the buyer ( it's a highly automated smart house and the buyer was going to need the connection ). The buyer DID transfer the service, today on the call XXXX  acknowledged that the buyer has transferred the service and that they will REMOVE the balance due. I have made multiple calls to XXXX, been told that SEVERAL times already and that this was disputed yet they still sent it to XXXX XXXX XXXX. Once again, XXXX has assured me that when they zero the balance the collector will be notified and the credit report will show XXXX balance owed. My credit rating is usually close to XXXX and I don't XXXX around with folks that I actually owe money to, but I also have XXXX tolerance for those that bear false witness against me. 

This was NON-MEDICAL You can call XXXX communications ( XXXX ) as this was CLEARLY THEIR MISTAKE. 

My complaint is that 1 ) this was sent to collections while disputed and 2 ) the XXXX XXXX, who also knew it was disputed, placed a flag on my credit report. I am the victim of improper tactics when a disputed charge was placed on my credit report and I want all record of this removed.
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX