davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
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: DISCOVER BANK (NM)

Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (CA)

I have been reaching out to Ally Financial for financial hardship while my account was current since XX/XX/XXXX. I had explained my financial situation and been declined any support. I would make phone calls a few times a month and email because I was not getting help. My account had became past due XXXX months, but i was still making partial payments monthly, I was told to keep making my partial payments and to call back and see what support I can get qualified for. Each call I made I was told There was nothing available. But I was advised to keep making as much payment as I can, which I continued to do, I made partial payment all the way through beginning of XX/XX/XXXX, and as I was trying to log in and make another partial payment today XX/XX/XXXX, I was declined to do so I called Ally Financial spoke with 2 different representatives XXXX XXXXXXXX who informed me that I will need to make a payment by XX/XX/XXXX, as my account is in jeopardy of being processed as a repo. I asked for an extension to XX/XX/XXXX, which I was denied, I said what other options do I have, she said the car will just be XXXX, I hung up and then called back and spoke with XXXX XXXX, no extension can be given, I was informed that payment need to be received by XX/XX/XXXX by XXXX XXXX standard time and to call Ally back with a confirmation number once payment is processed through with a money gram. If its after XX/XX/XXXX, my account will be transferred over to a repo list and basically my account is auctioned off to repo companies. I said okay, Ill get it paid by XX/XX/XXXX, but by the end of the night on XX/XX/XXXX, a repo man came and took my vehicle. I explained that I just spoken with the bank this afternoon and I was told that if I did not pay my past due by XX/XX/XXXX then my car will be placed in repo but my car is not on the list to be repossessed. He said ally released my account to repo companies. He also said Ally Financial Bank is known to do this With their consumers, they tell the customer something else but release account to repo companies, and that hes repo a lot of cars from Ally Financial Bank. How is it that I continue to reach out every single month, Sometimes 3/4 times a month and Ally stated on their recorded line that I had until the end of XX/XX/XXXX to make a payment of {$940.00} before my account gets auctioned off to repo companies and then the same night my car is repo? XXXX also stated that by XX/XX/XXXX, there maybe a possibility of my account being released to repo companies. But my account was auctioned off XX/XX/XXXX to repo.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXX  Account Number:XXXX**** Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (NJ)

I am asking that my debt of {$47000.00} be deleted completely. I paid over {$8000.00} That was behind in XXXX or XXXX. This was all that was owed at that time. I then attempted to make my regular monthly payment but it was not accepted. I called Wells Fargo and spoke to them about why they would not accept my payments. I was informed that I was in foreclosure. I told them that I never received any information about that. He reviewed my payments and said that I had paid everything that was owed and that he will remove it out of foreclosure. This was not done. So when I filed for bankruptcy ( XXXX ) owed {$24000.00} because they never stopped the foreclosure process. While I was in bankruptcy Wells Fargo doubled the amount owed to {$44000.00} for no reason. My bankruptcy was finished in XX/XX/XXXX. I then was told by Specialized Loan Servicing Company that I am still in foreclosure. Since XXXX. And no more payments will be accepted from this point forward. I am asking for all documents pertaining to my account be sent to me. I am asking for a forensic audit of my account from a 3rd party. I am requesting that every verbal communication be transcribed and sent to me. I am asking for the deletion of the {$44000.00} be removed from my account. Im asking that the mortgage rate be analyzed from the beginning of my mortgage inception. I had a 3.25 % rate that I locked in in XXXX. The was changed to 7.5 % for many years. As I have lived in my home for over 30 years. I should have my deed in my hand. I am asking that I receive it marked paid in full.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads 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 accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

This is now the 5th police report I have had to file due to my identity being stolen in multiple cities in Georgia. Somewhere between the last few years, someone in Georgia was using my Social Security information to apply for, and open, lines of credit in my name. They were traveling to different apartment complexes who would eventually send their missed payments off to collections agencies. These credit accounts turned into collections accounts without my knowledge of their existence and ended up showing up on my credit reports. I have filed multiple police reports in an effort to have these false collections removed from my credit reports and yet they keep showing up. I have never lived in/nor traveled through Georgia in an attempt to find an apartment or to apply for lines of credit. The most recent apartment complex to add to my list was XXXX at XXXX, who eventually sent off collections to Genesis Credit Management in XXXX WA.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2019-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have attempted over the last year to come up with a payment plan that I can afford for my private student loans with navient to no avail. Earlier in XX/XX/XXXX they were harassing me with multiple phone calls daily and when I had gotten in touch with them they would suggest a monthly payment that I couldn't possibly afford resulting in a delinquent account. I'd be quoted a monthly repayment one day and 2 days later it would be something totally different. This went on for months. In XX/XX/XXXX we finally agreed to {$230.00} monthly payment which I have been struggling but nevertheless making. I'm now told that my payment will increase beginning in XX/XX/XXXX. I have called them and they are unwilling to work with me on a plan that I can afford. They seem to have a nonchalant attitude. I want it to be clear that I'm not shying away from the responsibility of my private loans. I do have Federal loans which is also in repayment based on my income. But their customer service is at best poor and they way I've been treated is atrocious. Not certain if they treat all their customers the same way or just those with immigrant names.
Consumer complaint received 2023-11-29
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are several inaccuracies on the personal information section of my consumer report. The first inaccuracy is the name. My name is XXXX XXXX every other reported name is not me and can lead to identity theft. Next, my address is also incorrect. There are several non mailable addresses that should NOT be reporting as I do not live there nor have I ever lived there. The correct address is in the attached letter.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blackrock Mitigation Group LLC (UT)

I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX  XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX county was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX county if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.
Consumer complaint received 2023-11-29
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. (PA)

This company is violating the Fair credit reporting act by improperly using my credit reports for the accounts stated in the attached dispute letter. 

Those accounts that are being reported are charged off/canceled debt and because they are canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication. The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. Furthermore I was NOT provided with ANY 1099c copies which violates the IRS. A screenshot from the IRS website has been provided. As your company know it is against the law to report any information not proven accurate pursuant to the Fair Credit Reporting Act. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions If one credit bureau remove something from my credit, then all
three credit reporting agencies should make therefore the information is inaccurate. In this case XXXX removed the collection account from my credit report, but Experian and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Consumer complaint received 2023-11-29
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fidelity National Financial, Inc (WA)

On XX/XX/XXXX I attempted to access the online payment portal to view the due date for my mortgage payment. The website was not loading, and I tried opening it on multiple different browsers. I tried again the next day and had the same issues. I tried again on XX/XX/XXXX and decided to email the company 's ( XXXX ) customer support. I received an automated email back that said : " No-reply response This email is longer being monitored. If you are a customer, please log into our website and submit you request using self-service options. The website was still inoperable, and I had no other way to contact the company as it was now outside their business hours. The next day XX/XX/XXXX, I researched online to find that MANY people are experiencing issues with their website and unable to pay their mortgages on time. I have no idea when my mortgage payment is due and am unable to contact the company to get any answers.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

On XXXX XXXX Transworld responded to my request to confirm I owed them a debt with a letter stating that the referenced account XXXX was placed in a restrictive status to prevent further collection activity. I know that according to 15 USC 1692j ( a ) that it is unlawful to design or compile and furnish any forms creating false belief that I owe Transworld Systems Inc. I have granted this company many chances to resolve this matter. Yet this account is still on my consumer report. The document clearly does not provide evidence of indebtedness to this organization. Any attempt to collect this alleged debt can be considered fraud because I do not even know how or why they are contacting me and reporting this horrendous information on my consumer report. Every letter I have submitted has tracking information attached to it so I know that my disputes are being received. Therefore I will not accept an excuse to why this matter is not already resolved.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX - XXXX XXXX sold my debt to XXXX XXXX but will not drop the debt from my credit report. Now the debt is upheld by both companies. I have disputed and call XXXX XXXX and they can not explain why it's still on my credit report because it is sold debt.