davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
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 — Problem with personal statement of dispute
Company: Capital Management Services, LP (LA)

Approximately 6-8 mos ago, and several months before this, I received a call from Capital Management Services, XXXX, looking for XXXX XXXX for payment of a credit card account. This is my ex-husband. We were divorced XX/XX/XXXX. There were no mutual debts at the time of our divorce. I even informed them that I heard from a friend of his, that he died sometime in XXXX. I requested that this company please remove my phone number from their records. To date, they have not done this because I received a call, again, looking for XXXX XXXX. I am tired of being harassed by these people, who obviously do not know how to check whether a person is living or not. Can something be done about this, other than what I am doing?
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (MO)

XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. XXXX and Experian have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IN)

I am a XXXX student with a XXXX  checking account open with chase and they have been charging me a XXXX $ for well over a year when it was explained to me that the benefit of having a college account is that the service fees are waved. I reached out to chase three weeks ago and have been moved around to new people every time I inquire about solving the problem and have accomplished nothing. Chase is making it almost impossible for me to get get my money back that they have wrongly taken from me.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2016 my husband and I were moving from one city to another and we decided to stop at a XXXX store to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months some credit cards were opened using our information. A Journey Capital One was opened using my information. I discovered this in the last few months.
Consumer complaint received 2020-06-25
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. (FL)

AFTER REVIEWING MY CREDIT REPORT LAST MONTH, I REALIZED MY CREDIT WAS REPORTING INACCURATE ACCOUNTS AND INQUIRIES THAT I WAS UNAWARE OFF. THOSE ACCOUNTS ARE DUE FOR REMOVAL FOR I HAD NO IDEA WHY AND WHEN THEY WERE REPORTING INACCURATELY. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE. THEY HAVE CAUSED TREMENDOUS DAMAGE AND TARNISHED MY CREDIT FILE, IT HAS BEEN HARD TRYING TO ACQUIRE NEW CREDIT WITH THE WAY MY FILE HAS BEEN. I STRONGLY BELIEVE THAT MY PERSONAL INFORMATION HAS BEEN TAMPERED WITH AND WOULD LIKE THESE ACCOUNTS AND INQUIRIES TO BE CAREFULLY INVESTIGATED.
Consumer complaint received 2024-10-25
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. (TN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-25
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. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Windham Professionals, Inc. (TX)

I believe that Windham Professionals violated the Fair Debt Collections Practices Act when this company contacted my mother by phone on XX/XX/XXXX and spoke with her about a debt I allegedly owed before making an adequate attempt to reach me first regarding the matter. 

The original creditor has at all times had my correct address, phone number and personal email address. Both the original creditor and Windham Professionals, however, had not mailed me a letter, left me a voicemail or sent an email to my personal account prior to Windham Professionals contacting my mother ( whose phone number I had provided to the original creditor as an emergency contact ). Only after calling and speaking to my mother did Windham Professionals send me a letter in the mail concerning this alleged debt ; the letter was dated XX/XX/XXXX and was sent to my home address which the original creditor has had on file for years. As such, I believe that Windham Professionals violated the FDCPA by contacting my family member concerning an alleged debt before making a good faith effort to reach me. 

Additionally, I believe that Windham Professionals is violating the FDCPA by attempting to assess fees to which it is not legally entitled. Windham Professionals has indicated that the amount I owe is {$1800.00} and that I also owe {$410.00} in fees. The original creditor, however, unconditionally and permanently waived all fees, penalties and interest as a pandemic concession. The original creditor sent no less than three emails to me attesting to this waiver ( the emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). As such, I believe that Windham Professionals is violating the FDCPA by attempting to assess fees it has no basis in fact or law to charge me. 

Finally, I believe that Windham Professionals is violating the FDCPA by attempting to collect a debt for services that it knowsor should reasonably knowis for services that the original creditor failed to provide in full. The original creditor is a public educational institution and the alleged debt concerns fees and tuition for the XXXX XXXX semester when the pandemic hit. By state statute, the original creditor was required to provide a specific number of contact hours per credit hour, but it failed to do so when it cancelled all in person classes and moved all instruction online. The original creditor failed to ensure that students continued to receive the requisite number of contact hours of instruction ( or any instruction at all in some cases ) once classes were moved online. It is beyond belief to think that Windham Professionals has no knowledge of all the legal challenges nationwide concerning tuition and fees assessed by educational institutions during the XXXX XXXXXXXX semester. Consequently, by failing to seek legal confirmation of a questionable debt prior to seeking collection of it, Windham Professionals appears to have further violated the FDCPA.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

ALLY FINANCIAL are suppose to update and report my credit report monthly. The last time my credit report was updated was XX/XX/XXXX. XXXX until - XX/XX/XXXX, has no payment history " data unavailable ''. I initially reached out to Ally on XX/XX/XXXX online email case # XXXX, on XX/XX/XXXX case # XXXX and spoke to a live rep that day and assigned me case # XXXX. Emails are suppose to be answered within the next 2 business days. I understand that due to COVID-19 my email wouldn't be answered right away, buts it been over a month ..UNACCEPTABLE! 

I contacted all three credit bureaus : XXXX, XXXX, XXXX  and XXXX. 
XXXX  and XXXX  has been updated correctly. XXXX  has NOT!! the disputes results remain the same. I now waiting for XXXX results. Attached I have proof.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

As XX/XX/2020 My Insurance and Chase Bank as been paid in full on Chase Auto loan # XXXX. As of today I have been trying to refinance my current auto loan for a lower rate, but turn down 2x on XX/XX/2020 and XX/XX/2020 from my CU. Reason why, my score dropped over 100pts and open past due Chase Auto loan. I need this matter taken cared ASAP.
Consumer complaint received 2019-12-08
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: EQUIFAX, INC. (CO)

Equifax, is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Consumer complaint received 2024-10-25
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (OR)

XXXX : Graduated XXXX XXXX XXXX XXXX. 

XXXX XXXX : Consolidated my loans. Total financed : {$120000.00}. Terms : Level payments, 30 years, 3.5 %. First servicer was XXXX XXXX. I started making monthly payments for the amount due. Made at least the required payment. No missed payments. 

XXXX : Loans were transferred to ACS. I continued to make monthly payments, and monthly excess payments. No missed payments. I noted that my ACS principal balance did not appear to be declining according to my own schedule ( even assuming no excess payments were applied to the principal ). Over the years, I requested the amortization schedule and other information from ACS many times, but they did not comply. 

XX/XX/XXXX : Loans were transferred from ACS to XXXX. As of XX/XX/XXXX, ACS showed my principal balance to be $ XXXX.This value in itself was not correct. This can be proven by plugging the initial loan terms into an amortization calculator. Assuming no extra payments ( ever ), my balance should have been about {$81000.00}. In addition, according to a policy I was aware of, my extra payments were not being applied to the principal. They were used to advance my due date. As of XX/XX/XXXX, my due date had been advanced by my extra payments to XX/XX/XXXX. That's 17 months of monthly payments. Because ACS had calculated my monthly payment as {$640.00}, this totals {$10000.00} that was not applied to my account before it was transferred to XXXX. 

By my calculation, based on records that I have, the amount that should have been transferred from ACS to XXXX should have been around {$70000.00}. Not {$94000.00}. 

It is well known and broadly reported that ACS mishandled student loan accounts including mis-calculating and mis-applying payments, and that when they were forced to transfer their accounts to other servicers errors like the ones I am reporting did occur. 

To fix this, I would like my opening balance with XXXX to be corrected. 

I have tried to get XXXX to address this, but they say to contact ACS. I can't contact ACS because they are out of business.
Consumer complaint received 2019-11-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (AZ)

the company Ally financial repossessed my car. They gave me a set number of days to pay of the overdue balance and get my car back. the total amount due was approx {$1200.00}. 
i paid them {$750.00} and was to pay off the balance with them after they confirmed that i should pay the balance off the upcoming friday. they confirmed the vehicles location and that i could go get it then. they confirmed the car was at the tow yard. 

on the repayment day, Ally through their towing company had already SOLD my car even when they asked me for the {$750.00} payment. the car had been sold few days into the repossession by the towing company at about 1/3 the fair market value rate. 

ally is now demanding {$5600.00} even after all my deposit and monthly payments i had made for 2 and half years on the car. the loan total was {$11000.00}. the {$750.00} payment that i made they did not even include it in the final tally. they lied that the car was at the tow yard when in fact they had already sold the car for a throwaway price. 

they sold my XXXX  XXXX XXXX XXXX  for 1/4 -1/3 the current fair market value at time of repossession. 

these people stole my payment and used the tow company to sell the car cheap quickly to a friend for a low price then still demand XXXX $ from me and take me and my cosigner to collections. they are criminals why accept a payment after they had already sold the car and lie to me that the car was at the tow yard. they have then come up with this figure and reported it to my credit.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

The Debt company, AWA told me that I owed that {$150.00} to XXXX XXXX XXXX which I never owed because I never signed the auto insurance contract. And after I sent the letters to the AWA requesting why they think I owed such amount three weeks ago, they never respond and report directly to the credit reporting agency and my credit score is down XXXX points already. I don't think I can even apply for normal apartment with that score right now.