davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

I've received your letter claiming you have validated ( or verified ) the above reference number, but the problem is you didn't provide the documentation that proves I owe you anything. Where is the contract between your company and me? Where is the full accounting because I can't just take your word for it that I owe some company I've never contracted with, some made up number? Where is your license and bond? In fact, from what you sent, I can see that you are trying to collect for something that is outside the statute of limitations for my state ( if that is the case ). 
You also haven't proved you have any right to be on my credit report because I know for a fact I've never contracted with you nor consented to you being able to make any communication on my credit reports. You're violating the FDCPA by continuing collection activity and you're violating the FCRA by furnishing information and verifying invalidated information, disputed information, erroneous information, when no access to my credit reports has ever been granted to you. 
Please remove your debt off of my credit reports until you can provide some proof that I actually owe you. You haven't done that yet and, by law, you are to cease collection activity immediately. I reject your hearsay as being validation or verification. I reject the bills you sent as being validation because they are not. I reject any of your claims of validation or verification because you haven't proved anything. 
Act Immediately.
Consumer complaint received 2019-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (OR)

Halsted Financial Services XXXX XXXX XXXX XXXX IL XXXX has been repeatedly robocalling me for over a month. It is a scam to attempt to get people to call back. When you answer the phone it is silent for 10 seconds then disconnects the call every time. This is unacceptable and a scam. This company should not be calling my phone multiple times a day from different spoofed numbers and then hanging up when I answer. 
When I finally called back the representative at first refused to give me the name of their company or their mailing address. I requested to speak with a supervisor and was placed on hold. 5 seconds later the representative disconnected the call. 
I called back and demanded a supervisor who finally gave me their company name and address, but had no explanation for the spoofed robocalls and in fact denied that their company even uses robocalls. This is a blatant lie and misrepresentation by this company. There is no other explanation for the frequency of the calls and the fact that every single time you answer it hangs up. 
This company is obviously not following the fair debt collection practices act in the letter of the law or the spirit. They did not even provide me with the mini Miranda stating that this is an attempt to collect a debt. This is unacceptable behavior and the company needs to be held accountable.

How many people has this happened to who do not know what is allowed under the law? This can not be allowed to continue.

Thank you for your time.
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NJ)

During the year 2017 my husband was XXXXXXXX XXXX XXXXXXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as PaidChargoff on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXXXXXX XXXX XXXX XXXX  Can you please help me remove these charge off accounts?
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

My son and I had a joint loan financed through Ally Financial Acct # XXXX for a XXXX XXXX XXXX. My son was involved in an accident in XXXX of XXXX. We informed Ally Financial and stated that the insurance would pay and settle the account so Ally provided an extension, ( see Attached letter ). Based on the next letter, My son 's insurance paid for most of the balance, and we received a letter on XX/XX/XXXX stating that clam settlement did not pay the entire amount. ( see attached letter ). We called our gap insurance company who stated that they paid the balance of the insurance that was not paid. We spoke with Ally insurance and told them it was paid, after further back and forth conversation Ally said they would look into it. We then received a letter from Ally indicating that they received the funds and it was misapplied and apologized for the error. On XX/XX/XXXX, we have been harass by Ally indicting that our account has not been paid, In addition Ally, has now reported it to the credit bureau a negative account and our credit scores dropped significantly by 30 points. I am furious about that as I am unable to obtain new credit. I want my credit score reversed back and I want to be compensated due to the stress it has caused me. I worked hard to get my scores up.
Consumer complaint received 2019-12-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: GMFS, LLC (TX)

Based on the credit reports for XXXX XXXX XXXX from XX/XX/XXXX, the mortgage company GMFS has reported our FHA loan as two different entries creating the appearance of two past due mortgages and double negative impact on our credit scores and worthiness. 

Furthermore, monthly status reports made for each align with other questionable and possibly fraudulent events concerning non-compliance with HUD policies that we have taken several steps to address with this company including a complaint to the CFPB on XX/XX/XXXX and my latest report of disaster fraud to the National Center for Disaster Fraud on XX/XX/XXXX. 

All three of our credit reports show two mortgage accounts opening in XX/XX/XXXX, with one for GMFS , LLC ( Acct. no. XXXX ) and the other with some combination of XXXX XXXX XXXX ( XXXX ) and GMFS ( Acct. no. XXXX ) including " XXXX/GMFS '' ( XXXX  ), " XXXX/GMFS, LLC '' ( XXXX ), or " GMFS SVCD BY XXXX XXXX XXXX  '' ( XXXX  ). However, the payment history status on all three reports for Acct. XXXX covers XX/XX/XXXX to XX/XX/XXXX while Acct. XXXX only covers XX/XX/XXXX to the PFS pay-off in XX/XX/XXXX. 

All three reports also indicate Acct. XXXX was closed, transferred, or sold in XX/XX/XXXX. However, we were told XXXX just has a new sub-servicing company, XXXX, to replace its previous company, XXXX. As we do not believe a change in sub-servicing companies by a mortgage company requires reporting a new credit account to reporting agencies, we are concerned that such an error was yet another move in the attempt to cover up the non-compliance matters involved in improperly keeping funds to which the mortgage company is not legally entitled. 

In following the payment history as reported by GMFS and its sub-servicers, many items after XX/XX/XXXX do not align with the facts that : ( 1 ) we had a loss of income financial hardship beginning XX/XX/XXXX causing the first 30 day Past Due in XX/XX/XXXX ; ( 2 ) then had the flood disaster on XX/XX/XXXX after which we agreed to two different three-month disaster forbearances from XX/XX/XXXX to XX/XX/XXXX ; and ( 3 ) ultimately made our initial application for a homeowner assistance program to avoid foreclosure on XX/XX/XXXX. Given much of the confusion that was created for this application process by GMFS, XXXX, and XXXX, it is concerning to see that they reported no data for 10 months and 180 days Past Due for 5 months for the time between XX/XX/XXXX and XX/XX/XXXX during which we were told the application for the loss mitigation process had to be delayed or restarted. We also do not understand how XXXX begins servicing with 3 months of no data reported and then 180 days past due through the PFS in XX/XX/XXXX. 

As we have now learned how the servicing of FHA loans should have occurred, we also see how not reporting data and misrepresenting a change in sub-servicer on our credit report would allow the mortgage company more time to exploit our situation and muddle the HUD review process for compliance.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I had to call there number, which takes me XXXX XXXX ( which is not disclosed ) and give them my personal information including social security number. So now my personal information is in the XXXX, XXXX? 

Then they say they cant verify me, in writing? All I wanted was to have an account listed as opened by XXXX, but even their notes say its been closed since XXXX- 14 years ago! 

Now my personal information is probably being sold to XXXX. 

What a business
Consumer complaint received 2023-06-12
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: LJ Ross Associates (IL)

these accounts are FRAUD ... ...XXXX XXXX XXXX LJ Ross Associates 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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. (TN)

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, XXXX XXXX has reported late payments on my credit report for these months. I thoroughly explained to XXXX XXXX that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to XXXX XXXX, XXXX, Equifax and XXXX explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX  monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of XXXX XXXX, XXXX, Equifax and XXXX. They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account XXXX : XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Account Name : XXXX XXXX XXXX  Account # : XXXX has violated my rights. Account Name : XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 15 USC 1681 Section 602 A. 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 1681c. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnace any information relating to look at summer to any consumer reporting agency if the person knows or has a reasonable cause I believe that information is inaccurate.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (GA)

Ive had noted identify theft in the previous years. This particular account in question has previously been flagged and reported & removed. It has since been but back on my credit ( Im assuming because another company bought the debt ). I have reported yet again to all 3 beauties providing the only documentation that I have, such as drivers license, home lease etc. XXXX deleted the debt but XXXX still states that it is my debt. I spoke to the creditor before it ended up back on my credit report and they requested for my to travel during a pandemic from the state of GA were I reside, to XXXX ( where the fraudulent account Was created ) & file a police report. I am a XXXX  & I am a hard working. I can not risk running state to state & possibly catching Covid, just for a police report. Please help!
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

We applied for a credit card with Barclays bank after recieving the mailer that promoted the rewards etc for the Luxury black card with Barclays bank. We opened the account and we used it twice and paid the balance off. The card cost {$450.00} annually and the way we justified this expense was the great benifits that the card offered. We had it open for several months and then Barclays sent us a notice they closed the account. We asked for the {$450.00} back and the rewards we had built up. We were told from multiple customer service and credit card management employees of Barclays that we would not get any of the {$450.00} back or the rewards.

They offered no reason and no solution.

We basically were robbed of {$490.00} in a matter of several months.

Please help us resolve this.

If others are being robbed the Barclays should be stopped from doing this.
Consumer complaint received 2023-06-14
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. (SC)

I am sending this complaint in response to a notification on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report are incorrect. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (AL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$1300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This complaint is directed to Transunion credit bureau. I have followed their process to remove XXXX hard inquiries that I didn't do. I sent a letter on XX/XX/XXXX regarding these XXXX inquiries : XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX I didn't receive any information moving forward. So I called multiple times between XXXX XXXX. On the last call on XX/XX/XXXX at XXXX EST I was on the phone with the rep name as XXXX XXXX he refused to give me his last name and his employee id #. The call lasted XXXX mins of XXXX being aggressive on the call about the removal of the inquiries. I stated to him several times I've sent letters which he confirmed they received and nothing was done about the inquiries. He confirmed what I had believed at the beginning that they were going to give me the run around and never fix the problem. 

In result I would like for Transunion to provide physical documentation proving that these inquiries was " me ''. When documentation isn't presented those XXXX inquiries need to be removed from my credit report immediately.
Consumer complaint received 2020-05-19
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: Home Loan Center, Inc. (CA)

XXXX XXXX ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor LendingTree indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by LendingTree ) including XXXX last few weeks, but nobody, except XXXX, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I paid my balance off in full in the amount of {$5000.00} which was XXXX days before the due date. The following month on XX/XX/XXXX they charged me {$93.00} in interest on a balance that was just paid off. I called customer support on Saturday XX/XX/XXXX once in notice it to tell them that I already paid the balance in full and the customer support rep in XXXX was rude and adamant that the charge must be paid. I hung up and the called the local branch in XXXX NY XXXX minutes before closing but no one answered and I was switched to the XXXX customer service number where I would be put back on with the same reps from XXXX. I am Disputing the interest charge since the balance was paid in full. This is not fair to do to clients.
Consumer complaint received 2023-06-14
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)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX ... Balance : {$39000.00}