davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AR)

To Whom It Concerns : I received a credit alert today ( again XXXX from GM Financial stating that my account is 120 past due, which is incorrect and being erroneously reported to the 3 credit bureaus. I received a phone call from GM Financial the month of XXXX asking for a payment that I did make and to no avail, GM still reported to the bureaus, I was delinquent 120 past due on the XXXX of XXXX. On the XXXX of XXXX, GM Financial reported that the account was a charge off. Today, on XXXX XXXX GM Financial reported that I am 120 days past due. GM received payment from me, $ XXXX  from my insurance ( as the vehicle was totaled in an accident ) ; as well as, GM received money from my warranty YET they are still reporting twice a month which is against FDCPA rules. I have attached a copy of this information to this report. In addition, I was told over the phone by the representative that the account would not be closed if I made a payment, yet as you can see on this credit alert I have attached, after GM Financial took the payment- they turned around and reported the account CLOSED-CHARGE OFF. Now, they are still sending late notifications to the credit bureau??? I am going to sue GM FINANCIAL pursuant to misrepresenting the amount of the debt ; ( 2 ) repeatedly calling me to annoy me into making a payment and reporting this erroneous information after received payments are collected and the company is still reporting false information to the credit bureaus. I receive calls from GM first thing in the mornings, all day, evenings and EVEN on the weekends- Sunday 's for XXXX Sake! They have threatened me saying if I do not make a payment, the loan would be charged off-yet I made a payment and as you can see from the attachments they reported it 'charged off '' after they received a payment in XXXX!!! Additionally, I keep having to block their calls because they are constant. Each time I block them, they call from a different number and the viscous cycle starts all over again!!!! Notwithstanding they have collected monies from my warranty and were supposed to notify me of the amount, they have not and are misrepresenting the amount of the debt! 
GM has continuously reported to all the bureaus false information more than once every month for several months. If I am correct, this is a violation as well, they will send false information one day and then turn around and report something different the next. Please see attached proof and pay special attention to the dates GM is reporting!!!!
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, Equifax, and XXXX XXXX. Thank you!
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TX)

XX/XX/2021 XXXX XXXX  - A man called claiming to be from CBE Group ( phone number XXXX ). He had my name, address, and the last four digits of my social security number. He asked me to confirm that I was [ my name ] whose SSN last 4 digits was # # # # and I said yes. He was the 2nd person to call in 2 days claiming to be from CBE. He told me he was attempting to collect a debt of XXXX {$900.00} from XXXX. I told him I had never had a XXXX account and he told me he was going to transfer me to the fraud department. After three attempts, someone answered and said he was with the fraud department and how could he help me. I told him he should know because the guy just transferred me to him. He said he didn't know but he could help me anyway. I hung up. 

I called XXXX and they confirmed that I did not have a debt and that that number they called from wasn't one of theirs nor was it one of the numbers from which their contracted 3rd party collections agencies called. 

I called CBE 's main number and spoke to someone who collects for XXXX and she confirmed that my number was not associated with any number they had for collections.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance. 

The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank. 

12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (CA)

There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Good afternoon, I need the below accounts reviewed immediately as they have been paid on time and the XXXX account does not belong to me. Please adjust my credit profile immediately as its causing me harm. 

XXXX XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX XXXX XXXX NEVER PAID LATE- PLEASE ADJUST XXXX USA- XXXX NEVER PAID LATE- PLEASE ADJUST SANTANDER CONSUMER USA- XXXX UNVERIFIED ACCOUNT-FRAUDLENT -NOT MINE Kind Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc. (NC)

I received a bill from the doctors that I didn't agree with the amount because it seemed extremely high and like it might not have been my bill and requested a detailed bill from the doctors office. The hospital never complied after 2 request. On XX/XX/2019, I received a collection bill from Health Care Receivables Group and immediately requested a debt validation on XX/XX/2019 of the debt because I still believed there was an error. Healthcare  Receivables Group never validated the debt within 30 days, even though I submitted my request within days of receiving the initial notification. They continued after this moment to call me numerous times a day and leaving voicemails regarding this debt. on XX/XX/2019, I finally answered and told them to stop calling me and that I had asked for validation months ago and never received it and they immediately slapped this collection account on my credit report at that point on XX/XX/2019. I am currently under contract for a house an their unfair collection practices have cause me tremendous XXXX and XXXX, not to mention could cause me to loose my earnest deposit and due diligence.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I was denied Public Service Loan Forgiveness after making my 10 years of payments and told I didn't qualify because I was on the wrong payment plan. I was never offered any payment plan options. I have applied for the new Temporary Public Service Loan Forgiveness months ago but have been given no decision either way. Fed Loan, XXXX and others have been awful to deal with, giving me wrong information and terrible service.
Consumer complaint received 2021-11-16
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

After numerous attempts to try and delete these fraudulent accounts from my credit reports I still haven't received verification of these accounts that aren't mine, the credit bureaus and the company who has added these fraudulent accounts have refused to investigate under my Fair Credit Reporting Act. The collection agency and the accounts are as follows : FIRST POINT COLL RESOURCES INC. 
ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX
Consumer complaint received 2021-02-10
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. (WA)

I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This bank needs to stop denying legitimate claims my claim were part of a full blown investigation last year theres no reason I should be hearing that mt claim was denied at all one thing you cant do is approve all of my of my claims besides the one in the amount of XXXX claim number XXXX account name XXXX XXXX you guys know I never received my card this how all of this ended up happening not to mention it was compromised more then once thanks to Bank of America XXXX strip card in also told that none of my faxs are not going through but they are going through on my end iv even sent them through different fax machines as well as faxed over 20 documents to be attached to my claims numerous of times iv also had representatives ignore my request transactions have been skipped just FIX MY ACCOUNT PLEASE LOOK INTO THIS BANK THIS BECAUSE WHAT THEY ARE DOING IS IS NOT OK I NEED MY MONEY NOW PLEASE!!
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (NH)

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and Americollect, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and XXXX. I disputed with each bureau. XXXX  immediately removed it from my credit report but XXXX denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. XXXX admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WY)

My wife and I have been unable to get an annual credit report from Equifax for almost two years. We have both established " myEquifax '' accounts with user names and passwords. Our requests at XXXX are refused. When we attempt to log in to our " myEquifax '' accounts we get statements and error has occurred. A toll free number is given : ( XXXX ) XXXX. This number leads to a series of questions before routing to an agent. Most of the questions get cut off before completion. Most responses are interrupted with a verbal statement " I didn't understand that. '' If one persists and gets past voice mail XXXX, you are informed " ... all agents are currently assisting other customers. Please continue to hold. '' Eventually the call drops. 

Does Equifax intend to comply with federal law regarding annual free credit reports or not? Will the government enforce the law?
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

I applied to and was approved for a credit card with FIFTH THIRD BANK Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2021-02-15
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: AFNI INC. (WI)

On XX/XX/2020, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. ANFNI did not verify this collection and there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send me a bill and say it belongs to me. AFNI also doesn't have a signature or contract agreement for this bill. Furthermore, according to FCRA, AFNI has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-17
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: WELLS FARGO & COMPANY (IL)

Of the 3 major credit reporting agencies, XXXX  is the only one that continues to report late/trailing Wells Fargo mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had Wells Fargo provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXXXXXX Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I purchased a vehicle from XXXX XXXX on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to XXXX and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and XXXX advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.