davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CO)

On XXXX XX/XX/XXXX at XXXX I had a conversation with a representative of Ally Bank to check on where my refund of the escrow account was after paying off my mortgage. According to a letter received from Ally I was supposed to receive the check after 20 business days from the date the mortgage was paid off. Twenty business days occurred on XX/XX/XXXX as of XX/XX/XXXX no money has been received. Further, I received a payout statement from XXXX effective XX/XX/XXXX stating my payout amount was {$1600.00} and my escrow amount was {$3700.00} but XXXX would not accept the payment when I attempted to pay off the mortgage because it was part of a sales package to Ally Bank and I must contact Ally Bank on XX/XX/XXXX to pay off the note. Ally was contacted on XX/XX/XXXX to pay off the mortgage but I was informed they did not have the information and the loan number was not set up yet, the earliest I could contact them was XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Bank to pay off the mortgage and was informed the payoff amount due was now {$1600.00}, no explanation was given for the increase in payoff amount. I promptly wired the necessary funds to Ally Bank. Next, I received an undated letter from Ally Bank informing me there was an additional fee for recording the mortgage transfer from XXXX, {$33.00}, as well as an additional {$10.00} charge for interest fees on the remaining mortgage. This is a deceitful and possibly fraudulent practice and the fact they prevented me from paying off the note when I first called on XX/XX/XXXX shows a sloppy business organization, further they made a business decision to acquire the mortgage from XXXX, and the filing fee is an acquisition cost which shouldn't under any circumstances be put off on their customers. The next letter I received was dated XX/XX/XXXX notifying me the note had been paid in full effective XX/XX/XXXX, which demonstrates I was serious about paying off the mortgage. The letter stated a refund check would be received in approximately 20 business days, as of XX/XX/XXXX there has been no refund check received. In my conversation with Ally Bank on XX/XX/XXXX, I was told the escrow check was cut on XX/XX/XXXX, I now have concerns this was a fabrication by the representative I spoke with. I believe they should not be allowed to keep the {$43.00} and the bank should be sanctioned for abuse of lending practices. 
Approximately 5 years ago an account was opened by Ally Bank in my name and {$5000.00} was withdrawn from my XXXX XXXX savings account without any contact with me. When I approached XXXX XXXX they were able to reacquire the money for me and forced the account to be closed. I was told the incident would be filed since I didn't know who to approach to file a formal complaint so my history with Ally Bank is not a positive one.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Security Credit Services, LLC (TX)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2022-11-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Account Systems of Omaha, LLC (CA)

I was served by certified mail, a Court Summons by NATIONAL ACCOUNT SYSTEMS OF OMAHA LLC, assignor of XXXX XXXX, in the State of Nebraska ( XXXX XXXX ). I am a resident of California ( XXXX XXXX XXXX ). The pursuit to collect an alleged debt in the amount of {$27.00}, XXXX has not been verified by the NATIONAL ACCOUNT SYSTEMS OF OMAHA , LLC. I would like to request validation. Validation of aggregated value of account, forward floor agreements, bill of sale, original documentation etc. Also, I have filed a complaint with XXXX XXXX XXXX XXXX Attorney General 's office because NATIONAL ACCOUNT SYSYTEMS OF OMAHA LLC is in violation of consumer rights.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

[ XXXX ] Your Venmo account has been suspended, because we've detected suspicious activity on Venmo your account. 
Recovery your Venmo account immediately by click link bellow : https : XXXX Please take action on your account within 48 hours to avoid permanent suspension. 

Best Regards, Venmo. Inc
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

For several years now, I have had a XXXX XXXX debt appear and disappear on my credit report which has prevented me from getting credit cards and has damaged my credit. I have received phone calls from collections agencies in the past trying to get me to claim the debt. I have also received letters from debt collection agencies trying to get me to pay the debt, sometimes at a discount. I have disputed the debt in the past and had it removed from my credit report, but it keeps coming back. 

I have never been contacted by XXXX XXXX directly about this debt and I have never been a XXXX XXXX account holder myself. When I contacted XXXX XXXX in the past they told me that they can not do anything since they already sold the debt to a collections agency. 

The most recent debt collection agency that has contacted me is McCarthy, Burgess & Wolff on XX/XX/2022. 

I tried to apply for a credit card during the last week of XXXX and was denied due to this appearing on my credit report. I have started a dispute via XXXX.
Consumer complaint received 2022-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

The loan servicing company Navient keeps trying to email me telling me that my payment is late. I thought the student loan forgiveness pause was in effect right now. Can someone please give me advice? 

XXXX XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXX Balance {$4500.00} which XXXX, XXXX and TransUnion have failed to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Consumer complaint received 2022-11-30
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. (MA)

This complaint concerns inaccurate personal information and fraudulent accounts listed on my credit reports with XXXX, XXXX and Experian. 

All three bureaus have my legal name listed incorrectly. 

All three bureaus have incorrect and/or outdated addresses listed. 

All three bureaus have numerous inquiries that are fraudulent and possible attempts to obtain credit in my name. 

All three bureaus have accounts that have incorrect information listed ( e.g., balanced owed, amount paid, etc ). 

All three bureaus have accounts that do not belong to me. 

I have notified all three bureaus in-writing of the inaccurate information, fraudulent accounts, and that I'm a victim of multiple occurrences of identity theft. 

Unfortunately, the bureaus have classified my disputes as " frivolous. '' I should not have to make multiple requests for inaccurate information to be removed from my credit report, as that is my right per the FCRA. 

Moreover, I should be able to list ALL of the inaccurate information to be removed in XXXX correspondence not having to break them up into multiple letters for fear of the bureaus classifying a long list of inaccuracies as " frivolous. '' To resolve this issue fairly, I am requesting that my correct legal name be listed on my credit report and all incorrect versions be removed. I also request that all fraudulent accounts be removed from my report. 

Thank you!
Consumer complaint received 2022-12-01
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. (FL)

I checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022, I called American Express Customer Service at XXXX to request a reallocation of credit limit from XXXX American Express personal credit card to another. Instead of processing the request as a reallocation, the customer service representative that I spoke to first processed a credit limit decrease on the first card, then required me to submit a credit limit increase request on the second card, which I later learned is not the correct process for reallocating limit between XXXX existing cards. The credit limit decrease took effect immediately, but the credit limit increase request was denied by American Express, resulting in a decrease in my overall available credit rather than a reallocation of credit as I had requested. I later spoke with a different American Express representative who confirmed that the first representative followed the incorrect process.
Consumer complaint received 2022-11-30
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: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX and XXXX are ruining my life. My report has been compromised and used illegally without consent and permission. Midland Credit Mgmt. and XXXX XXXX associates have illegally accessed my report without consent. I have the right to privacy and have never given anyone written permission to furnish these accounts. My rights have been violated and laws broken. I will contact my lawyer and sue is these derogatory marks are not removed. Midland and XXXX are not legally allowed to collect in Pennsylvania. This is identity theft and harassment as well as a violation of my rights and consumer law.
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (WI)

Called on XX/XX/29 to ask for a refund of {$6100.00} in payments made during pandemic pause. Was told 4-6 weeks. Called end of XXXX for an update, no update other that being told is was approved on XXXX and I would likely get the refund in mid to late XXXX. Called end of XXXX and was told refunds were now taking 8-10 weeks. I asked if there was anything I could do to speed up the process and was told no. On XXXX, my aidvantage account updated to show partial reinstatement of the loans, but not the total {$6000.00}. The following week, my student aid account was updated to also show the partial reinstatement. I have not seen any of the refund yet, nor is the current amount shown for the loans accurate. I am now 12 weeks out from my initial request.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint to highlight significant discrepancies, mismanagement, and potential violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX account. This complaint pertains specifically to XXXX handling of the account reporting status, including inconsistent and misleading information provided to the credit bureaus, despite XXXX own statements about the accounts status. 

XXXX. XXXX Acknowledgment of Written-Off Status On XX/XX/XXXX, XXXX, an Executive Relations representative from XXXX, confirmed via email that this account was " written off '' on XX/XX/XXXX, and transferred to Convergent. However, XXXX actions do not align with this statement. Verified information from the collection agencies shows different assignment dates that contradict XXXX 's account. Specifically : XXXX. Ongoing Reassignments to Collection Agencies Post-Write-Off Despite being written off, XXXX has continually reassigned this account to multiple collection agencies without selling the debt. This series of assignments without an official sale indicates that XXXX retains ownership of the debt and is solely responsible for the reporting. Here are the assignment details for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Present The ongoing transfer of the account to different agencies after it was written off raises questions about XXXX reporting practices and compliance with industry standards. Once an account is written off, it is customary to cease reassignments or clearly document the sale of the debt. These reassignments indicate a lack of accountability and transparency. 

3. Reporting Discrepancies Across Credit Bureaus Each credit bureau displays this account differently, further adding to the confusion. 

XXXX categorizes it as a Collection account with no indication of charge-off status.

TransUnion lists it as both Open and Collection with an active balance, even though the account has been closed. 

XXXX also lists it as a collection account, not reflecting the supposed written-off status. 


The lack of consistency across these reports is not only misleading but likely violates FCRA standards for accurate reporting. By failing to update the status to " charge-off '' as XXXX from XXXX XXXX stated, XXXX appears to be inaccurately representing the account status to the credit bureaus. 

XXXX. Non-Compliance with FCRAs Requirements for Accurate and Consistent Reporting Under the FCRA, consumer information reported to the credit bureaus must be accurate and complete. XXXX current handling of my account reporting does not meet these standards, given the contradictions between its internal communications and the credit bureau reports. This lack of transparency and proper updating misleads potential creditors about the true status of my account.
Consumer complaint received 2022-11-21
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: General Motors Financial Company, Inc. (AR)

15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.
Consumer complaint received 2022-11-30
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: AMERICAN HONDA FINANCE CORP (IL)

I was checking my credit reports with XXXX and notices my Honda Financial account is NOT on my report again!!!!! This happened last year one time and I had to contact Honda and your office and the credit reporting agencies to fix it!!! They claimed at that time that Honda had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is XXXX so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX XXXX. Amount Owed {$1000.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

I tried to get a copy of my credit file from ChexSystems and was connected to a call center in XXXX. This call center made disclosure of my SSN a requirement to gain access to my credit file with no alternative measure if I did not want to provide it. 

I explained to the woman named XXXX that I was not comfortable with disclosing SSN to someone in another country and especially since it is against the law of the United States to compel me to disclose it. 

They refused unless I provided them with my SSN so I am without my credit file. Who is responsible for holding these companies responsible for willful non-compliance of the Federal Laws. 

42 USC 408 clearly states : Whoever- ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States