davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
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: Experian Information Solutions Inc. (TX)

ILLEGAL REPORTING. 

XXXX  Report : XXXX XXXXXXXX Collection {$2300.00} Experian Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$2300.00} XXXX Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} I initially disputed the debt and requested validation of a debt becuase I know that the debt should not be on credit report, yet it keeps being reported. Despite sending them multiple letters, plus proof from the court that this is not a valid debt they are reporting, theyc ontinue to report it and refuse to pull this account off my credit report. 

I am now escalating this complaint higher because they are continuing to allow illegal reporting of a debt that the courts have determined is not valid. 

I am not responsible for the account/collection that is showing up on my credit report. I have never done business with this company. They lied and said I had. Then they sued me and didn't show up to court. I showed up. The judge ruled in my favor because of this. 

I have repeatedly asked them to delete this account immediately, as keeping this there violates my rights and allows this company to post and claim I owe them money when I do not. This is a problem because the credit bureaus are assisting them with violating the law by not removing this faulty debt that does not belong to me.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

Ally financial is reporting that they repossessed my vehicle and that it was involved in an accident. It was neither of those things. It was refinanced with XXXX XXXX. It was never repossessed. I have always been in possession of the vehicle. Still own it.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Consumer complaint received 2021-09-21
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: ALLY FINANCIAL INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial , Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I have the JetBlue mastercard through Barclay 's and enrolled in autopay that normally goes through on the XXXX or XXXX of the month. On XX/XX/XXXX, I was reviewing my bank account to ensure all direct payments were made and sufficient balance remained, no transfer to Barclaycard was evident. 

I logged into my online jetblue/barclay portal on XX/XX/XXXX and found that I had a {$29.00} late payment fee charged. I immediately paid the full balance as of the last statement cycle. I then called Barclay 's and after a long time on hold, was told the problem was on their and and that the late fee would be removed ( it was ). 

I don't think anything else until XX/XX/XXXX when I find that my bank account has now had 2 withdrawals for the full balance, causing my balance to fall too low to cover needed payments. I called Barclay 's and was told they best they could do was send a check within 7 business days. Upon speaking with a manager, I was told he would try to expedited this delivery time, but that ACH would not be an option. 

Will update with actual time money was not in my account.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Collection Corporation (WI)

In XX/XX/2021, while attempting to lease a new car, I found out XXXX XXXXXXXX XXXX collection attorneys filed a delinquent account to my credit report. Due to the filing, my credit scores dropped. This prevented me from being able to lease a car and raised interest rates to purchase to a level I could not afford. 
While I did receive services from XXXX XXXX, they were paid in full. Insurance paid the bulk of the bills, and the remainder was paid out-of-pocket. I made a request for the verification of the debt and received a letter with a patient history attached. Upon review of the history, it was clear my account was double-billed for services, specifically teeth cleaning and an exam. I paid out-of-pocket for the cleaning and exam, but it was covered by my insurance. XXXX XXXX also billed my insurance company and it was paid out in full. Due to the double-billing, I overpaid for services that were provided. I did write to XXXX XXXX XXXX attorneys with my findings and have been awaiting a response. I have called, but they claim to have not received a response from XXXX XXXXXXXX XXXX office. 
This collections account on my credit report has been a hindrance.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On Thursday I went into the Chase Bank XXXX location and ask to speak with a manager. The manager than came out and I introduced myself to him he ask me my issue I explained to him that I didnt want to discuss my issue in the middle of the bank so I ask if he had a better location to sit down and hear my concern and issue so he directed me to a cubicle and we sat I said Im mad as XXXX excuse my XXXX he replied and said I dont tolerate that language I explained to him that I wasnt directly XXXX  at him Im just a lil frustrated because I dont know whats going on with my account and my money he begin to attempt to look into my problem he ask me for the checks and Id I only had my passport. He begun to explain the polices about why checks have holds and I explained to him that I was given a date that my funds were suppose to be available of XX/XX/2022 then on that day a hold was put on my the checks until XX/XX/XXXX which seemed to be odd to me. I also explained to him that I had been on the phone with representatives and the advised me to come into a local branch So I came into this branch to get clarity the branch manager got a XXXX XXXXXXXX  with me and said did you hear what I said and I replied no because the policy he was explaining to me didnt make any sense to what was in fact going on in my current situation so I replied Im just mad as XXXX that I have to even go through this and the branch manager closed up my passport and handed me back my checks and passport and told me that he could no longer help me I asked why and he said because I keep XXXX I replied what did I say XXXX XXXX XXXX Im not directing anything towards you he still wasnt trying to hear anything I was trying to say he got up we both had words back and forth with each other I had both my phones in my hand I ended up dropping one of my phones because I had to many things in my hand and as I went down to pick up my phone the branch manager XXXX at me. So my reaction was to XXXX him back he started yelling at me he to get out the bank so I complied and left and he called the police on meXXXX Since this incident all my accounts have been closed. I was stuck in XXXX on XXXX XXXX  I havent been able to eat I have XXXX kids not have I been able to pay my bills all an inconvenience because a man decided to XXXX at a woman for needing clarity with her account. Which the branch manager admitted to the The XXXX police Department who was called out. I talked to XXXX XXXX XXXX XXXX Report # XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

I have been a consumer client of American Express since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

American Express is violating my consumer rights by reporting inaccurate data on my XXXX and XXXX consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to American Express in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and XXXX American Express if reporting my late for those two months. 

I have sent over the statements to American Express as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and American Express fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXXXXXX XXXX  statements to this complaint. Thank you and have a good day!
Consumer complaint received 2021-01-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (FL)

I have been paying this loan for 9 months and still owe more than I borrowed which was only {$300.00}, this is outrageous. Also, I called to payoff the moan and the wouldnt take my final payment over the phone, only the interest payment and I told then I moved out of state. This is a horrible practice, are they trying to charge more money with this final payment process? They said I would have to go in for final payment or western union only and western union charges fees. I asked to speak with a district manager and one never called back and it's been weeks!
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have never had and credit or service through portfolio recovery. They are reporting on my credit report and I have never done any business with them. They also have an open date of 2017 which is incorrect because I have had no business with this company.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  reported 30 day late payments to Transunion, on both XXXX and XX/XX/XXXX This was a used automobile loan. My daughter was in a bad accident on XX/XX/XXXX, the car was a total loss. My XXXX payment was due on the XXXX, and I made the payment on XX/XX/XXXX. I reversed the payment the next day, because I was under the impression that the insurance company would be paying the car off before the payment would be 30 days late, as they told me they would, then I would pay the small balance due. I didnt want to pay more than I had to because the banks never payout as fast as they expect me to pay them. However, either my insurance did not send the check to XXXX to pay off the car when they said they would, or XXXX did not process it, until XX/XX/XXXX. XXXX did not even attempt to contact me to let me know they hadnt received the payment, until I received a 30 day late notice through the mail. Upon receiving the late notice, I immediately called and they told me I needed to make a payment of {$360.00}, in order to be current for both XXXX and XXXX. I made the payment over the phone and it was taken out of my bank on XX/XX/XXXX. I have attached a redacted screen shot of my XXXX XXXX  account for the month of XXXX, which shows the payment. My math tells me XXXX payment ( XX/XX/XXXX ) was only 22 days past the due date ( XX/XX/XXXX ). I have also uploaded a photo of the XXXX payment coupons, showing my due date was the XXXX of each month. By the way, XXXX demanded more money than I owed, so they owed me money. I did not receive the overpayment check from them for over 4 weeks. Perhaps you can ask XXXX where I should send the invoice for their late payment fee.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I tried to login to my account a about 10 days ago and was not able to even though I was providing the correct information. I called the CS to requeat help in changing the password and the cs verified me by sending a text code and changed the password. After which I was able to login. So I logged in and added a bill pay and made a {$1000.00} payment. The next day I logged in and the system could not find me neither the login nor password were correct. I called BMO bank and askwd the reason they told me to go to the branch. I went to the branch and found out that my account was frozen and that a check that I had written before that bounced. The representative at the branch noted my account that I was at the branch and told me that itvwas all she could do. I called BMO and a XXXX lady took over the call and explained to me that my account was frozen. I verified that it was me changing the password and adding the bill pay and asked her what she was investigating if it was all me. She had no answer for me amd when I helloed in the ohone she purposely stayed silent. I called tje second time on XX/XX/year> to fin out when my funds were going to be available as I was operating business she started dodging my question and arguing with me as if I was not allowing her to answer which was her tactic to encite resentment amd anger without further crraborating on the reasons. The password was changed theough fulll verification by cs of BMO nad is documented wirhin their system and there is no need to freeze the account other than her perosnal hatred to my race. It is obvious she is using tactics ro incite and provoke resentement and anger instead of proffesionally explaining the reason or problem. I explained to her that I went to the branch, she answered that there was no need or such request for me to go to the branch even though the first agent that helped me instricted me to go to the branch. I ask her if I verified that it was all me what she was investigating she replied that that was what the draud department for. Basically arguing and showing hatred that she was not there to resolve the problem but to make it as comolicated as sheed deemed necessary. I am not a XXXX hear kid and fully feel and understans that her attitude and treatment towards me is hostile and dicriminative. I am not sure why but is obvious and she doesnt let anybody else handle the sitiation she has a not that only her can solve the issue.