davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (FL)

Americollect Inc Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Creditor Information AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Dear Officials, I have contacted the original creditor 'XXXX XXXX XXXX ', XXXX XXXX XXXX billing department , and Americollect , My company insurance coordinator and finally XXXX XXXX All of them have a different amounts, service dates, and number of invoices. It is frustrating. If the original creditor XXXX XXXX XXXX sends invoices to Americollect, i agree to pay if they are accurate. XXXX said they have only 2 accounts on my family name, i have them- willing to pay buy when i call Americollect the collection agency, they have 5 accounts/invoices. My company insurance coordinator is unable to view amounts, i called XXXX, they do not have records of those claims fro XXXX. How am i getting them? I am sure i do owe some money during our XXXX but where should i get the correct info. I would say i believe XXXX since they are the original creditor. Please help. Americollect telling me incorrect information and sent info to Credit bureaus I beleive them all and ready to pay but i want to make sure right people getting my money. 
Subject ; XXXX XXXX XXXX XXXX Americollect XXXX. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (IL)

On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cardmember Service Attn : Billing Inquiries Customer Service XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Account No. [ XXXX ] Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge {$440.00} to my credit account on XX/XX/2021 The charge is in error because I cancelled the card, indicated that I no longer desired to hold Southwest Rapid Rewards Card, and pay the annual fee.

I have spoken with Customer Service on numerous occasions. I explained that I am no longer employed due to COVID-19, and that I am not able to financially pay continuous interest charges on a card that I no longer want. 

No individual in CUSTOMER SERVICE had/has offered any solutions or empathy to my financial situation. I have requested on multiple occasions that all charges are removed. However, I have been repeatedly been told erroneous information in a condescending method. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement -which should be a balance of {$0.00} It is truly overwhelming that in consideration of the current economy, my personal circumstances, that this continues to be handed in an avaricious manner. Also, your standards fail to acknowledge the current hardships created by COVID-19. This is a poor example of customer service.

Furthermore, Id like to point out that my current credit cards are paid in a timely manner. I will never recommend Southwest Rapid Rewards Chase card to a colleague. 


Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Go to consumerfinance.gov/complaint
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (NJ)

XXXX XXXX C/o XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/2024 Mercedes-Benz Financial Services XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, Subject : Update Request for Discharged Debt ( Account Number : [ Your Account Number ] ) I hope this letter finds you well. As a securities transfer agent, I understand your responsibility to wire our securities to the treasury for the purpose of discharging public and consumer debt. I assure you that I am committed to providing any additional documentation or information necessary for the proper handling of this transaction. 
I am writing to inform you that the necessary documentation for the discharge of debt, specifically Form 1099C, has been submitted in accordance with the requirements outlined by the Internal Revenue Service ( IRS ). 
I kindly request that you take the appropriate measures to update all records associated with the discharged debt indicated by the aforementioned 1099C form. This includes but is not limited to, updating internal records and informing any relevant third-party credit bureaus about the status of this debt.

Please ensure that any information previously reported regarding this debt reflects its discharged status accurately. It is imperative for the accuracy of my financial records and credit profile that this information is promptly updated. 
The purpose of this transaction is to effectuate the wire transfer of my securities to my XXXX Account. The XXXX Account information for the wire transfer is as follows : XXXX Account Information : * Bank Name : XXXX * ABA Number : XXXX * Account Number : XXXX Should you require any further documentation or clarification regarding this matter, please do not hesitate to contact via email at XXXX. 
Thank you for your attention to this request. Your prompt action in updating the records is greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-29
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. (NY)

In accordance with the fair credit Reporting act, XXXX ; Account number XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-02-05
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: Asset Management Outsourcing, Inc. (FL)

I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS. 

I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have my own business and have had for several years. As a business owner affected by the COVID 19 pandemic, I took advantage of the Paycheck Protection Loan for myself as an employee. When my funds deposited, I was told by the teller that the deposit " did not look right ''. Additionally, a bank employee went out to my car to take down my license plate number. I have been banking with this credit union since 2018. Needless to say, i felt profiled because I am XXXX american. Funds were frozen and XXXX being sent back to the XXXX Every time that I provide what is requested of me, I am told to provide something else. I have already signed a promissory note legally.
Consumer complaint received 2020-06-03
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. (IL)

^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the XXXX dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

How did BOA allow an account to open without signature card. Then it took several attempts to get signatures added. Now we need to change the signatures, but BOA keeps changing the rules and forms required. I have been attempting to update the signature card since XXXX .... its now XXXX and the bank has informed us yet again that the forms THEY SENT are not accurate.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-06
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)

I don't know where else to turn so I am hoping your company could possibly help me. The credit reporting agencies Equifax, XXXX and XXXX are reporting information on my credit file that I believe to be past the statue of limitations. I have disputed it directly with all three bureaus and requested information directly from the companies in question but no one is providing me detailed information so I do hope by your company stepping in I can get clarification on several accounts. I really need your help and I would truly appreciate anything your company can do to get this resolved.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

The statement for the period ending XX/XX/2022 shows purchases of {$120.00} and a payment of {$440.00}. That payment was made on XX/XX/XXXX. There is no credit shown for the payment of XX/XX/2022. 

Not disputed : There was in fact a payment transferred from our checking account and into this XXXX XXXX card in the amount of {$440.00} on XX/XX/2022. That makes it a payment from our checking, to one of our credit cards.

Not disputed : The previous months balance was completely paid off. The consumer does not dispute this, and USAA does not dispute this. Therefore this statement is a standalone item in terms of addition and subtration.

Disputed : The mathematics of this statement. A payment of {$440.00} and new purchases of only {$120.00} should be showing that statement with a credit. Instead, it claims that money is due from the cardholder.

USAA has consistently refused to reconcile this credit card account. I have made 4 previous attempts to get this corrected. 

The 1st attempt was completely ignored ; there has never been any response.

The 2nd attempt resulted in a letter from USAA. It said said that the payment ( referenced above ) was correctly made. But made no reference to any credit owing. There is not and was not a dispute about whether that payment came out of our checking account, and went into the credit card account. But the letter was completely unresponsive to the question that was asked.

The 3rd attempt resulted in a letter with boilerplate text, but no USAA member number, no credit card account number, no dollar figures. In short, meaningless and completely unresponsive. It contained no information at all.

The 4th attempt resulted in a phone call. When the conversation got to the point where the girl on the phone stated that the credit card statement referenced above was correct. She did not use actual numbers. No adding or subtracting, not even reading the total purchases or payments. I gave up. Now I am filing this complaint, because going direct to USAA has failed 4 times.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

Account Name : WELLS FARGO BANK Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (PA)

This account with lending point is the result of identity theft and was removed from my credit file sometime in 2023. The beginning of XXXX I was notified by oliphant Llc regarding this debt and that the above stated company now owns the debt and they were attempting to collect which is a clear violation of the FCRA which states, When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ) .To which limited circumstances in this plight did not fit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
SYNCB/BELK XXXX