davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CT)

Got a truck loan from ally financial month later was laid off. Made payment on truck till XX/XX/2023 I was 29 days late I called up ally financial to see if I could get an extension but I wasnt qualified yet. So I ask the representative if I pay the payment today will it be marked paid and not hit my credit report 30 days late she said yes by XXXX XXXX on sat XX/XX/XXXX if u pay by XXXX XXXX you will be marked currant not 30 days late. I paid the payment XX/XX/XXXX at XXXXXXXX XXXX I then asked her again will this be good to go wont hurt my credit she said your all set. I made payment w her on the phone I guess they use third party people for this they did not tell me it wasnt gon na be marked that day.. the ally app that I use to pay my payments regularly was not in working order that day it said down for maintenance. So I couldnt pay on line I had to call and use check over the phone. I had asked this lady atleast 6 times this wont hurt my credit she replied no your all set. The next day XX/XX/XXXX I got an alert on credit report that I was 30 days late on my truck payment. Now that made my credit score drop XXXX points I am buying a house at the end of XXXX but Im not gon na be able to do this now due to them reporting me 30 days late. I called many times to get info on this i did get a XXXX XXXX and she had her supervisor look at this and she even said it shouldnt of hit my credit report it was paid on the XXXX th day. The file has notes that it was paid in time. That supervisor XXXX XXXX I been trying to get in touch w her no results they did record the conversation so that should be accessible I was told it wouldnt hit my credit and it did now Im having many Repercussions for this action they did.. I did get a call from a XXXX XXXX opt XXXX she said she would be looking into this but said if she cant find any reason to take it off report than it stays. Now the other supervisor agreed it should not have hit my credit report the lady who took my payment told me I was good to go and also the website app for payment was down for maintenance XXXX said had I used the app that it would have posted that day how can I use the app if it was down for maintenance that day but also told from two different representatives there on on Friday XX/XX/2023 and XX/XX/2023 that if payment is received by XXXX XXXX Saturday XX/XX/2023 then I would be good. I want this 30 day late removed from my credit report immediately they can do a good will Deletion to remove this and. Need a deletion letter for my mortgage loan. I think this was unfair to me being told that I was good from two people and then from a supervisor that it shouldnt be on my credit report. Please help me thank you..ally Financial is the company
Consumer complaint received 2023-11-01
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CO)

I filed a complaint with CFPB and here is the original complaint. " I received a letter dated XX/XX/2023. From a debt collector. Waypoint resources It says I have a debt from XXXX XXXX. This is false. I called them Waypoint resources on XX/XX/XXXX and stated that. They proceeded to not let me speak and in the letter it said quote ''. Call or write us by XX/XX/2023 to dispute all or part of this debt. If you do not, we will assume this is your debt ''. I forcefully stated this was not my debt but the lady kept interrupting me and would not let me speak until I had to just talk over her and told her to record this. It did not say just to mail it but also I could call. They reported it to the all 3 credit bureau and now it's on my credit record. I also told them to never call me again about this matter. They have repeating called my work phone and personal phone now. Here is the information. reference number XXXX account number. for waypoint. XXXX The said debt amount is {$220.00}. which is not mine nor do I claim it. Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is the address not he letter. However the address on the credit report is Is out of Texas. Please make note of both. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is their response " Hello, Thank you for providing the details in regards to your complaint and dispute with XXXX. We have removed all phone numbers from your account and will cease communication. Credit Bureaus were updated and withdrawn XX/XX/2023. To validate the removal we recommend visiting XXXX, XXXX, or XXXX. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' They responded to the complaint but they have not removed this off of my credit report from XXXX, XXXX or XXXX. As of this morning it is still there. I need for them to remove them as they said they did. They are not being truthful! They are affecting my credit at a time we are needing to get credit. This is unacceptable! Please hold them accountable. Here is the original XXXX.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CA)

On XX/XX/23 I funded the account with $ XXXX from XXXXXXXX XXXX  Soon after that, I learned that I can have a balance of $ XXXX per account due to beneficiaries. 

I transferred $ XXXX to XXXX. And then a second $ XXXX. Those went through. An attempt to do the next one, my account was blocked. That was about XXXX. Account remains blocked despite many calls to explain the transfers were made by me and nothing suspicious is going on. 

I since received the letter penned by Key Bank with their phone number. A call to that number gets you being told that you need to talk to XXXX XXXX 

I am greatly concerned about my money as a XXXX search shows MANY people in this exact situation. Open account, then a week or so later, blocked from account. 

I am unable to even get into my account to gain account numbers and exact dates. The dates above are from the transfers in to XXXX.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account. 
To earn a {$300.00} bonus, open your first new personal checking account and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 
As per the terms, the bonus will be paid by XX/XX/XXXX. 
I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX ( I received a direct deposit confirmation ). 
XXXX. I have made XXXX debit transactions that were posted and cleared in my new checking account within 60 days of account opening. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the terms and conditions the Bank is legally required to pay me the {$400.00} bonus.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax Information Services LLC sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

Equifax is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. File numbers are XXXX and XXXX. Block and delete immediately
Consumer complaint received 2019-10-29
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (FL)

I opened a line of credit with Fortiva via a XXXX in order to purchase a home alarm system in XX/XX/XXXX. In XX/XX/XXXX, Fortiva closed my account without permission then transferred my debt to a new account without my permission. I did not want a new account. The new account impacted my credit score. I called and emailed Fortiva many times and they said they have the right to close my account and open a new account without my expressed consent to which I disagreed. Fortiva calls me many times a week and have threatened to take me to debt collections. 

My only request to Fortiva is that Fortiva opens my old account and closes the new, fraudulent account Fortiva created without my consent and submit a correction to the credit bureaus. Fortiva stated they will not revert back to my old account nor rectify the credit score with credit bureaus. 

Fortiva continues to harass me for missing payment on the credit card that I did not authorize. They have impacted my credit score further with the no payments. 

I do not know what to do at this point and feel helpless. Please assist. Thank you.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (SC)

On XX/XX/XXXX at XXXX XXXX  eastern time my account checking and savings for no reason I had funds in my account to pay bills and when I called to see why it was closed they informed me they don't have a specific reason
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed 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, on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (MD)

On XXXX at XXXX XXXX. Equifax ( Manager at Equifax ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at Equifax stated to me directly that Equifax internal protocol is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.
Consumer complaint received 2023-11-01
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: Global Lending Services LLC (TX)

XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Consumer complaint received 2023-11-01
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. (PA)

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 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Its upsetting to realize that my rights as a consumer are being ignored. Like anyone else, I place a high value on my credit score, as it plays a crucial role in my financial stability and future opportunities. Unfortunately, the errors in my credit report have had a negative impact, affecting both my financial prospects and my peace of mind. Ive been trying to correct these issues for quite some time, but my requests have been consistently overlooked or dismissed, leaving my concerns about these inaccuracies unresolved.
Consumer complaint received 2023-10-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (FL)

Shellpoint stole my identity and is attempting to collect on a debt not owed. An Identity Theft Report submitted to the IRS on XX/XX/2022, is attached. Shellpoint is using my identifying information without my express authority. 

Shellpoint failed to initiate a proper investigative consumer report before alleging any debt owed and before reporting said debt to the consumer reporting agencies. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

Shellpoint is violating my right to privacy. I did not provide them any signature to authorize any consumer reporting. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

And, Shellpoint is violating the exclusion section of the Fair Credit Reporting Act. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

I have been wronged. 

I have been injured. 

I require remedy.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 
I would like for the company to delete all references to the account from my profile within 15 days. 

Tracking number for 1st letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (NY)

I was billed {$59.00} a month XXXX, XXXX, XXXX, XX/XX/XXXX by a company XXXX XXXX  on my Cerulean XXXX. I notified the credit card co. on XX/XX/XXXX by phone. I received no response back. I notified XX/XX/XXXX them by mail to the address it says to write to on my bill. i received no response. I called again on XX/XX/XXXX and I requested a new card. The person said they would refer to the fraud unit. on XX/XX/XXXX I received notification fraud unit received complaint. on XX/XX/XXXX fraud unit sent letter cant reach me by phone. I called the # provided and gave them all the information. on XX/XX/XXXX I received letter from card services to file a complaint with fraud unit ( which I did on XX/XX/XXXX ). I received a 2nd letter on XX/XX/XXXX also from card services they are working on case. may take up to 45 days.on XXXX I received a letter from fraud management services they began a review. ( by now I am frustrated feeling like this is a run around. ) On XX/XX/XXXX I received a letter from fraud management services I was issued {$170.00} credit. I mailed a letter on XX/XX/XXXX stating this is appreciated but unacceptable as I was charged unauthorized charge 4 times at {$59.00}, credit should be {$230.00}, {$59.00} x XXXX is {$230.00}. I do not understand the {$170.00}. I still have no response back from them. I am getting the impression they are not refunding to me what I was charged.