davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

A company, Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Indiana XXXX, sent me a bill that they claim is from another company from XX/XX/16. I have never hear of the current creditor, XXXX XXXX XXXX, or the original creditor, XXXX XXXX XXXX. They say they can not sue me because of the age of the bill but they threaten to ruin my credit rating. They also say I can pay a reduced amount if I answer quickly. I think this is a scam. 

Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pro Com Services of Illinois, Inc. (IL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. 
My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. 
I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. 
I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. 
I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. 
Again, without a card there is no 16 digit account number to work with.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2020-07-15
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. (MI)

I have requested this be investigated w/ Experian over THREE times. They have continued to list ALL of my Student loans as " PAID ''. They were NEVER paid. They were never due. They were never late. They were never past due. 
Before being due, they were MEDICALLY DISCHARGED. They do not belong on my Credit Report. Again, they were never paid on, therefore they're NOT a credit report item. 

Yet they keep on lying and saying they've " verified '' this. 

No, XXXX already told them it was medically discharged. 

Never " paid '' on, never late, never due. Doesn't belong on my CR.
Consumer complaint received 2020-10-12
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I have had a dispute open with American Express since XXXX, they keep saying that it is in process and I have to wait for the company to respond, who also wont respond to me. At this point it has been over 5 months.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-04-27
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)

Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-26
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. (KS)

I am a victim of the XXXX  Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I sent a Qualified Written Request to XXXX XXXX XXXX XXXX XXXX, because the servicers informed me that this bank is the trustee of the alleged trust that they say is the owner of the alleged loan. XXXX XXXX XXXX XXXX received my QWR on XXXX XX/XX/XXXX. I sent the letter certified with return receipt. Up to this date I have not received the acknowledge of the receive of my letter as it is required according to Respa, they supposed to acknowledge the letter five days after receiving the letter and then, up to 30 days to answer. Due of the conflicting information and the fabricated copy of the alleged original note from the servicers, I believe, that the alleged trustee can give me the correct information. First, I was told that a XXXX XXXX is the legitimate lender/creditor who provided the funds for my loan on XXXX, this information was disclosed to me at the beginning of this year XXXX. The original lender identified on my trust deed and note, was not the lender, and I was not informed that the XXXX XXXX XXXX investors were providing the funds. Furthermore, I was never informed that the alleged loan was securitized. I checked the records of the alleged securitized loan and found out that XXXX XXXX, XXXX XXXX XXXX was dissolved on XX/XX/XXXX due of fraud, in addition this alleged loan was satisfied even before the trust was dissolved by the credit swap insurance. Bank of America has collected payments and inflated fees from me from XXXX up to XXXX, XXXX, then it transferred the service to XXXX XXXX that collected from me from XXXX, XXXX to XX/XX/XXXX, and transferred the service to XXXX XXXX XXXX, who has been collecting from me since XX/XX/XXXX and current. Since these servicers have failed to proof that they have rights to collect on this alleged, not existent loan, I'm requesting answers from the alleged trustee of a trust that doesn't exist. I want to know if it is part of the scheme, or its name is just been used. For that reason I want a certified copy two sided of the original note and trust deed with all assignments and endorsements. Or otherwise a letter stating that this bank is not the trustee of this non-existent trust.
Consumer complaint received 2020-07-15
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. (CA)

I conducted a dispute with Experian, XXXX, and XXXX Credit Bureaus as recently as of XX/XX/2020 regarding the XXXX XXXX credit card being reported on my credit report. 
I have spoken to XXXX XXXX cardmember services and confirmed they do not have any information as far as profiles and credit accounts. 
The result they are getting from the creditor is confirmed account information as accurate, and I have yet to see what proof if any, have been used to confirm the account is mine.
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retail Merchants Associates (LA)

XXXX XXXX for the amount of {$3000.00} XXXX XXXX for amount of {$740.00} This company is persistent with contacting me when I informed them I am not the debtor.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX XXXX breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-04-27
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. (NC)

Equifax XXXX Information Services , Inc. 
XXXX XXXX  XXXX XXXX, GA XXXX RE : XXXX XXXX Report # XXXX XX/XX/XXXX, Dear Equifax , This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : 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. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. 1983 ). 
The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please delete the following inaccurate item. 
XXXX XXXX XXXX XXXX XXXX $ XXXXAlleged Debtor : XXXX XXXX I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. 
XXXX XXXX v. XXXX, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339 ( 2001 ). 
- Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/ XXXX XXXX
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

There has been unauthorized charges of {$2600.00} on a credit card that I have known as last four ( XXXX ) XXXX Citi Simplicity Credit card, I have contacted their customer care and their security department indicating them of all these bogus charges and to this date nothing has been done about resolving these charges and give me credit on my account, this has been going on since XXXX to this date in XXXX, interest charges, late charges have been added on the total owed on this card. 
I have gathered all my statement and have proof of these bogus unauthorized charges via my monthly statements. 
When I contact their customer care phone number they readily send me to their security department who in turn does nothing to resolve these charges much less investigate them, in this account and another account I made the mistake of authorizing auto-pay from my checking account and I have indicated that I want to terminate the auto-pay but it has fallen in deaf ears and my balance just keeps going up instead of falling after each monthly payment as it should be. 
I do have written proof of all these bogus charges since I open this account I had only one primary charge and never used this card again to buy anything, the card was never activated after the first original charge.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (OH)

After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. I contacted XXXX XXXX Several times this year, to make sure I was in deferment and no issues. I used deferment to make sure XX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX  and everything would be fine, I would just have my XXXX in-school payments to make. On Monday XX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called XXXX XXXX and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. XX/XX/XXXX Tay ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job! 
update XX/XX/XXXX- still nothing updated and have no clue when anything will be done
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.