davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX, I tried to purchase a XXXX XXXX XXXX Premium from XXXX XXXX XXXX in XXXX. A few days to the start of the first monthly payment in XX/XX/XXXX, I discovered that the purchase contract and the warranty contain significant material misrepresentation. Knowing that the mileage largely determines the price and the value of the car, XXXX, the finance department staff, reduced the mileage of the car from XXXX, XXXX miles to XXXX. XXXX miles. Then he inflated the price from the listed price of {$13.00}, XXXX to {$17.00}, XXXX. I informed Ally Financial about it by phone and in writing. They advised me to contact the dealer and work with them to fix the errors. 

When I contacted the dealer, they first apologized for it and promised to fix the errors and send me a new contract for me to sign. I waited for the new contract but it never came. I, visited the dealership 3 times to get the new contract but they did not commit themselves to doing it. So, I returned the car to the dealership. I updated Ally every step of the way and they told me they had made a note on my account. Ally later closed my account and I filed a dispute with my bank for my {$2000.00} down payment from the dealership, which was later refunded. 
However, for some reason, Ally reopened the account to make it look like I had financed a car with them and I am not making payments. I filed a dispute with XXXX and the account was closed. Again, Ally opened the account. This time around, claiming I owe {$16.00}, XXXX trying to make it look like a case of repossession but it is not because I was the one who returned the car and the keys to the dealership and requested my down payment, which was paid and the account was closed. 
This bad-faith behavior by Ally Financial has significantly jeopardized my XXXX XXXX and overall credit health. In fact, the last time they reopened the account, my score dropped by XXXX points. Clearly, this is not doing good business. I believe I deserve a compensation from this dishonest behavior by Ally Financial. I need your help with stopping Ally from continuing to use my information to report negative information on my credit report when they know very well that I do not owe them. Thank you.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a XXXX  record that is reporting inaccurately. I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXX XXXX XXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the XXXX XXXX from a Chapter XXXX XXXX on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the XXXX  Record information is verified and obtained through a XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with XXXX XXXX  accuracy. According to the XXXX Credit Report XXXX all information must be reported with XXXX XXXX accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within XXXX  days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a XXXX XXXX  remains on the credit file and that the records are obtained through a XXXX XXXX vendor, XXXX. According to my XXXX Report from XXXX there is no XXXX  reported in section XXXX  of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a XXXX  but Equifax is violating my rights as the information must be reported XXXX XXXX accurately and they are continuing to report this on my credit file. I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX XXXX  payments and Equifax refuses to correct this late payment status on my credit report.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

15 U.S.C 1681 section 602 A. 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IA)

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have received a large volume of calls, which I have refused to answer due to the stressful nature of my situation, and to being either asleep or working during. As I didn't answer them, I don't expect them to know my schedule, but they have repeatedly violated ftc guidelines for maximum number of calls in a 7 day period m, and have tried to conceal this fact by using private numbers, and/ spoofing to get me to answer. Due to the nature of their tactics, I am unable to ascertain whether the malfactor is bank of America, XXXX, or both. I dont believe it'd be difficult to find out which one has been using these tactics. Regardless, one or both of these corporations has blatantly ignored federal guidelines.
Consumer complaint received 2024-01-12
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)

Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including transunion, XXXX have shared my private source data information with out permissions or consent
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (DC)

On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX - XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (KY)

I was scammed out of {$1500.00} from a impersonator stating they were Chief of police and I had a outstanding warrant for my arrest. I sent this through Chime and i have reported this through the federal trade commission. My Report number : XXXX. Chime bank stated they can not help. This was all the money I had and I need assistance please
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

I was laid off due to the pandemic and called Discover Bank to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called Discover and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Idaho Housing And Finance Association (WA)

Hello, I submitted my mortgage twice after it being sold to a new provider, and it was rejected with funds in the account. I checked because I copy the routing and account number directly to not make mistakes, and they were correct. I resubmitted a third time with no changes and it processed. HomeLoanServ charged me two NSF fees. They have now sent me a letter stating my payment was late, and which will reflect on my credit, though they stated there would be no late fees when contacted, and they will not remove the NSF fees.
Consumer complaint received 2024-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I am writing to bring to your attention a matter of great concern regarding unjust collections reported under my name to all three credit reporting agencies. This situation has adversely affected my credit standing, and I believe I have been unfairly reported. 

The debt in question is related to medical attention provided to my son, XXXX XXXX XXXX, on XX/XX/XXXX. As evidenced by the attached letter issued by XXXX XXXX under account number XXXX, a payment request of {$980.00} was made, which was specifically intended for payment assistance and was duly approved. This fact should have prevented the debt from being forwarded to a collections agency, as clearly indicated by the accompanying documentation. 

What is most distressing is that the collection reporting began impacting my credit history in XX/XX/XXXX, a staggering 16 months after the medical attention was administered. This temporal discrepancy is highly irregular and raises serious questions about the integrity of the process followed by the collections agency, MBA Law. 

As of the date of this letter, I have not received any additional documentation from MBA Law supporting the inclusion of this debt on my credit history. I possess no signed contract, payment agreement, or any other document that validly demonstrates an outstanding debt for medical services. 

I kindly request your immediate intervention to investigate this matter and advocate for a fair and accurate review of my credit situation. Additionally, I urge you to contact MBA Law and request the necessary documentation to substantiate the validity of the debt in question. 

Attached to this letter, you will find copies of the payment assistance approval letter issued by XXXX XXXX and any other relevant documents pertaining to this matter.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

My problem is wuth American express. my problem is best described in the email I sent to the top officers of the company and the follow up email Dear 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 ( Chief XXXX XXXX, XXXX XXXX XXXX ) SEE BELOW letter Follow up note I am disappointed that you did not respond to my email of XX/XX/XXXX ( See below email ). You can disagree with my belief I was misled, but being ignored is a greater disservice to a loyal customer. 
XXXX XXXX XXXX XXXX note I have been a loyal American express card holder for over XXXX years in XXXX format or another. As a card holder starting out in the business world holder and as a business owner and president of a legal recruiting company. In fact, over the course of my career I have placed lawyers at American express. I was a gold card holder for many years but as my needs changed I became a green card holder. Most recently, I paid for a cruise on the XXXX line on XXXX XXXX in the amount of {$7500.00}. Prior to making the payment I called Amex because I was concerned about travel interruption insurance and the agent assured me that it was in place. I also believe these calls are recorded so there should be proof the event exists. To make a long story short I contacted covid and had to cancel my trip. Believing I was covered, I got the appropriate documentation from my physician to forward to Amex. To my utter surprise I was informed I wasn't covered. As a business person I have survived by being very cautious about details, and given all the possibilities in the current world environment I never would have left myself exposed. 
Needless to say, this experience has been very disappointing, and I plan to cancel my card after this. 

XXXX XXXX
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX chase held check, restricted account, verified check with employer, unrestricted account but held deposit. XX/XX/XXXX deposit released, bank manager verified check with employer. Later on same day restricted account again. Said employee at company stated fraud. Manager verified check for a XXXX time, fraud department still kept restriction. Filed complaints last week of XXXX with CPFb, and FDIC, contacted by executive office from chase who stated employee at company claimed fraud but they had not spoken to the owner of the company. They could not tell me who. Owner stated on XX/XX/XXXX chase has never contacted him except for XX/XX/XXXX during initial verification. If chase is calling the number on the check they are speaking with the receptionist who does not handle any accounting within the company. XXXX closed account. Chase representatives stated I would receive a cashier check, then stated my employer will receive the funds, Representative now states on XX/XX/XXXX neither myself or employer received anything, XX/XX/XXXX that chase will keep funds for a year before releasing funds to the state. Neither myself or employer will receive funds.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX I received a letter to collect from Midland Credit Management Inc. I sent two validation letters to the company. Where they did not give proper documentation. While I was Disputing this information they have been reporting it, without validating it. Completely disregarding my rights under Fair Credit Reporting Act ( ERCA ) 15 US.C $ 1681s-2. 

This company has not given the proper documentation of the right to collect this debt in my state. They could not provide me a California License Number. And as you can see in letters. They stated its pending. 

This company also did not provide me an itemized breakdown of the proper fees and interest, and how it got to this alleged debt. They gave me two months of statements ( one from XXXX XXXX- XXXX XXXX where balance was only at {$500.00} ) and ( Second from XXXX XXXX- XXXX XXXX were the balance was now {$890.00} ).
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Amount : {$25000.00}
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.