davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (OH)

the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

I paid in full the amount of XXXX to Comenity bank/ XXXX  . My credit report reflects that this amount was written off. I called on XX/XX/2019 and the representative said that I would need to contact someone else, and that my account was sold. He also told me that he would mail me a letter stating that I paid in full. I am requesting that my credit report reflect that I, in good faith, paid the account in full.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I went into Bank of America XX/XX/19 to close out my checking account and leave my credit card account open. My credit card had automatic payments through the now closed checking account. Bank of America 's online banking platform did not let me add or adjust and new payment methods to my credit card due to a glitch in their system. I made a payment through their phone system manually on XX/XX/19 to satisfy that month 's payment. I contacted them again several days later to fix my online banking profile to a " credit card only '' profile which would then allow me to make payments from an external bank account. With their assistance, I updated my automatic payment instructions to be debited from my new bank account and I did exactly as I was instructed to have all automatic payments come from my new bank account. On XX/XX/19 this automatic payment was made for {$17.00}. On XX/XX/19 this payment came back return unpaid and Bank of America charged me a returned payment fee of an additional {$17.00}. I got two letters in the mail on XX/XX/19 that this payment went unpaid. After multiple phone calls on XX/XX/19 I found out that this was unpaid because the automatic payment tried to pull from my now closed Bank of America checking account instead of my new external account. Bank of America refuses to refund the return item fee because it was deemed not a bank error since I was the one who set up the payment, even though it was entirely through their instruction on how to set it up and I was reassured all future payments would come through my external account. I tried to get the issue resolved in person at a branch, through multiple phone calls to their credit card support and escalated to a supervisor and all attempts were unsuccessful. After spending hours trying to get this resolved, I closed my credit card account on XX/XX/19 by paying off the full amount including the extraneous fee as I no longer could deal with their unhelpful customer support.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

This is in regard to Ability Recovery Services phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from XXXX before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that ability recovery services has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NC)

Ally Financial received a payoff for a totaled vehicle in the amount of {$16000.00} on Monday XX/XX/2019 at XXXX XXXX. Signed for by XXXX I have repeatedly called and for some reason they will not mark the loan paid, they are telling me something along the lines of this process takes 7 days. 

This is ridiculous, they have their funds, they need to release the loan, so I may apply for a new loan and go buy a new car.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2023 I logged on my Capital one phone app to check if I had any upgrades to my current capital one credit card. a few options came up but it said on the app, " continue with application. '' So at this point I called into Capital One 's customer service to speak with an account product specialist, his name was " XXXX ''. I asked, If I continued with this new card feature will it open a second account or hit my credit report. XXXX responded to both of my questions with " No they won't it will just be the same card and number just different product. I said thanks and politely hung up the phone. I kept the screen open, and went back to finish the upgrade to my capital one credit card. It was upon finishing the account that I see it had in fact opened a new account with a different card number and different credit balance. I then return to call capital one and learned that what XXXX had told me was in fact false. I not only opened a new account when I did not want to, but it negatively impacted my credit score. I asked capital one to reverse this to which they closed my new account but said once the account was opened, they could not reverse the hit to my credit report. I am absolutely stunned that Capital One would not provide training needed to inform customers of the correct information. This is a eye opening experience. I no longer have trust with capital one and will be requesting they close my accounts and delete what data they are legally allowed to delete under both Federal and Ohio law. What I want to do is hopefully use this service provided by the CFPB to request Capital one reverse the hit to my credit score since their product specialist XXXX told me false information ( he lied to me ) about the upgrade not hitting my credit score.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My account with XXXX, XXXX XXXX & XXXX 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 60 days 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. 


XXXX, XXXX XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MO)

I received the following text message : This is Mercantile Adjustment Bureau , LLC, a professional debt collector. Please contact us regarding XXXX XXXX ref # XXXX at XXXX or visit our website : https : //portal.mercantilesolutoins.com to access your account information or make payment ( s ) online. Reply " STOP '' to stop. This came from the phone number : XXXX. 

I contacted XXXX ( XXXX XXXX is now XXXX ). I talked with someone in billing. They told me that they did not work with Mercantile Adjustment Bureau , LLC as a debt collector. Further, they told me that the XXXX number came back to them as a spam number. Finally, they double checked this information against my account, and found that the reference number was tied to a different individual. My account was totally in the clear with them. 

This is a total spam text attempting to get money.
Consumer complaint received 2023-08-17
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: WELLS FARGO & COMPANY (CA)

This is my complaint about WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2020-03-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCE CORPORATION (OH)

I took 2 predatory title loans out, both with the same company, OneMain Financial. The first loan was for approx. {$2000.00}. On my credit report, my first loan with OneMain opened XX/XX/XXXX. I paid about half ( {$1000.00} ) off, and then I needed money again, and they had been urging me to take another loan out, so I did, taking another {$1000.00} out. They had always been super nice to me, and I was good about keeping my payments on time. I took the second loan ( according to my credit report ) on XX/XX/XXXX. Looking at my credit report, they wrote the first loan off as the second loan would be a refinance since I still had an amount of XXXX still to pay. Everything was pretty good until I started to run into financial hardship, with my son being XXXX XXXX XXXX XXXX which then took money away from me in XXXX  XXXX. I suddenly could only afford basic things on my fixed social security income. That is when OneMain got really irrational, and then they started to call me multiple times a day and essentially harass me to pay back my debt. I told them multiple times that I could not make my payments anymore, and told them to repossess my car. I had a second car, so it didn't really matter. They kept on harassing me and harassing me until about XX/XX/XXXX. They would call as early as XXXX, and then as late as XXXX. They always harassed me by saying that if that I got my car repossessed ( like my wishes ) that it would destroy my credit. On the last few calls, they started to threaten legal actions ( civil lawsuit ) and that they would have the ability to garnish what little I already have. They finally stopped calling, like I said, in XX/XX/XXXX, to only find out that my account is closed apparently. I don't exactly know what this means, as they did send notification of that they were closing my account, I didn't know what they exactly did, until about a few months ago, when I looked harder at my credit reports, and OneMain closed the account with the remark " purchased by another lender ''. No other lender, or anyone, has notified me about my status. Now, I am trying to get rid of the car that has the lien on it, and I am trying to see who has the title, and my state BMV says that OneMain still has the title as a lienholder, even though my credit report says that they sold my account to another lender, and then OneMain also has closed my account clearly with them. No other lenders are showing on my credit report, only the ones that I know of. I am really confused, and when I try to access my online account with OneMain, they also say that I don't have any accounts with them. I don't know who to contact, and also I don't know how much my loan was sold for, or really anything.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (FL)

Dear XXXX XXXX XXXX, XXXX I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter. 

I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, Synchronic Bank. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation. 

Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have. 

Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved. 

Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of Synchronic Bank. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt. 

Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place. 

I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Webcollex, LLC (AZ)

I have been working out a debt settlement with CKS Financial. They have my cell phone number and email and I have been extremely responsive about my desire to work out a settlement with them. We have talked on the phone, their chat window, and email. 

I talked to them as recently as yesterday just asking to verify that they own the debt for XXXX as well as what payment methods I could pay with. 

They then decide today to start calling my place of employment. They spoke with a coworker both identifying that they are a debt collector and asking to speak with me. 

I have the screenshots from the employer saying that they are a debt collector.
Consumer complaint received 2024-08-07
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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "