davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

This issue has persisted for multiple years despite several attempts on my part to get Ally Auto to fix the problem. 

Ally Auto XXXX Ally Bank sends out emails every month who's subject ( and body ) claim : " Weve received your vehicle payment. '' and " Your vehicle payment was successful. '' However, the emails do NOT indicate that the payment was in fact received and successful. Instead they indicate that their internal systems have initiated the automated payment ACH process.

As a consumer, I receive that email and think " great! everything is ok. '' However, if the ACH payment fails for some reason ( e.g., timing of your deposits to your account vs their withdrawal ), you don't get notification of that until 9+ days later, at which time they then charge you with a late payment fee. 

That late payment fee would have been avoided if they did not originally claim that the payment was successful, causing you to take your eye off the account thinking everything is ok. 

I have repeatedly told their customer service people that they need to change the wording of those emails to read " We have initiated the payment process '' or, that they wait until the payment has IN FACT been received by them before they tell you the payment is " successful. '' I have been charged several late payment fees due to this, and I suspect they don't want to fix it because it's a net benefit to them not to do so.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

After reviewing my consumer report, I've noticed that there is a collection agency reporting alleged debt that is unauthorized to be reporting. The company Jefferson capital has contacted me numerous times regarding debt in which they obtained without my consent. I understand that I have a right of privacy and no company may share or obtain my personal information without my consent. This creditor is said to be collecting debt on behalf of another company but they were never given the consent. which violates 15 U.S. Code 6801 - Protection of nonpublic personal information. I have no knowledge of the collection agency that's asking me to pay this alleged debt nor do we have any contracts or agreements that make them eligible to report this debt. How can I owe on a debt that. isn't verifiable nor properly authorized to report. The negative account that they're reporting to my credit is impairing my ability to obtain potential relationships with any future lender or institutions. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Last year I discovered false accounts with XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX conducted an investigation. The issue was solved and XXXX stopped reporting the accounts. I was notified by XXXX and XXXX that the accounts were no longer being reported and my report was updated. Experian, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (CA)

On XX/XX/2020 I received a bill for my property tax on my new condo. Being my first property I was unaware that property taxes were to be paid by my lender due to it being included in escrow. I have contacted them 6 times 5 times since and have only been met with excuses. My bill was {$3200.00} Ive done all I could and am just looking to get my money back and I didnt see any other choice then to file a claim.
Consumer complaint received 2021-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I am trying to obtain a payoff with a lien release from Wells Fargo and Wells Fargo does not give me this information. They are only giving me a payoff but are not including the release of lien on the payoff. I need to close this account and wells Fargo give me a satisfaction of lien. 
Every time I call they they give me the run around. I have even gone to there branch and no one there helps me either. 
I need to close this account and get the release of lien as i am getting other line of credit with a different leader. 

Attached I have included the payoff they are sending me and as you can see it doesn't include the release of lien cost.
Consumer complaint received 2021-02-23
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. (NC)

I have un authorized inquiries and 1 account i was never late on and 1 account that is not mine I talked to the company XXXX XXXX and they agreed see letter attached that explains what I am disputing
Consumer complaint received 2022-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MD)

My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years. 

I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made. 
Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX  and XXXX in my home. 

Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit. 

I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received. 
- A copy of my most recent monthly mortgage statement
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion smart move is reporting incorrect information on my rental history. They are reporting I have been evicted from my home that currently still reside. I sent correspondence to them to remove incorrect information and it still remains. dispossessory was filed in error by landlord and case was dismissed by the judge.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SinglePoint GI (IN)

I received a letter from a company called General Revenue stating I owe them {$5500.00} from an alleged debt owed to XXXX  XXXX XXXX. I pulled my credit report to also find General Revenue as a debt owed. I have never heard of this company before and have no legal obligations to pay them. On XX/XX/XXXX, I sent a certified letter asking the company to validate the debt. The letter was received and signed by General Revenue on XX/XX/XXXX. The letter also stated to cease and desist all collection activity during this 30 day timeframe of validation. General Revenue sent me a statement from Indiana XXXX XXXX, but the statement did not validate the debt showing my signature as a legal agreement to pay a debt to General Revenue. So General Revenue continued collection activity on XX/XX/XXXX at XXXX XXXX. I received a voicemail from XXXX XXXX attempting to collect on a debt that was never validated and I put a cease and desist in writing asking the company not to contact me. I consider this harassment, especially since I was not provided the proper documentation validating a debt they claim I owe. I contacted General Revenue and asked for a manager and they put a team lead on the line by the name of XXXX who said she would have her manager call me when she returns from lunch. I received a call from a manager representing General Revenue by the name of XXXX who stated they validated the debt and it was within their rights to continue collection activity. I have the conversation with XXXX and XXXX on recording for proof. Per FDCPA, I requested validation of a debt owed and told the company to cease and desist collection activity and she and her company completely disregarded my demand. I am filing this complaint with the CFPB for a violation of FDCPA guidelines and harassment.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MiraMed Revenue Group LLC (GA)

I recently checked my credit report due to a hit by MIRAMED REVENUE GROUP. I have never received a validation of debt nor notification of this supposed debt. I also have never lived in SC where the hospital is located. This is a violation of FCRA & FDCPA. This needs to be removed due to failure of notifying the consumer of a debt collection.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. 

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Consumer complaint received 2022-12-31
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$51.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-13
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: Consolidated Information Services Solutions, LLC (OK)

Universal credit service at XXXX XXXX XXXX, XXXX XXXX PA XXXX has inquired on my credit report 6 times after informing them I am no longer interested in their service. The 6 times were XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

This has caused my credit score to drop and caused me to loose a house I had a contract on. The underwriters would not approve me because of their actions.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, 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 below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a Notice of Court Proceeding to Collect Debt today via certified mail, from Midland Funding. 

The notice says Midland sued me in the XXXX Ohio Municipal Court and won a judgment for {$460.00}, on XX/XX/XXXX. 

I have no knowledge of this alleged judgment. 

I looked at the XXXX Court records and the only lawsuit filed against me by Midland in XXXX, was for a different amount, on a different date, and was dismissed in XXXX for want of prosecution. 

I do not know what that suit was for either, but it is clearly not the same as this debt Midland is trying to collect. 

I don't understand how Midland can attempt to garnish my paychecks over a debt I have not been sued for and for which they have not proved that I owe. I do not know what the alleged original debt is for.
Consumer complaint received 2020-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RGV Loans LLC (TX)

I had a personal loan with RGV Loans located in XXXX, TX. We are currently going thru a pandemic and fell behind on payments XXXX XX/XX/2020 XXXX since our household went down to one income instead of two. They would not work with me in any manner, instead they filed a lawsuit against me. I have recently been making payments of {$200.00} which is more than my payment amount. XXXX XX/XX/2020 ) They are expecting me to make a payment every week which is impossible considering the situation i'm currently in. But they keep harassing me at work calling at least twice a day, I have already gotten in trouble at work. Not denying what I owe and i'm really trying to pay but can only make a payment once a month not every week like they expect. I try to tell them and they are not understanding at all. I can not afford to lose my job due to them harassing me.