davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

I am writing due to the continual harassing actions forged against me that have only become worse after my last attempt for assistance from CFPB in this gross and premeditated matter against me.   I have always paid on or before the  XXXX  of the month as my payment history shows and am writing you on  XXXX / XXXX /  XXXX  . I always pay over the requested {$930.00}, paying {$1000.00}. each month. With that said, and because I have already written CFPB of the unwarranted harassment directed toward me, I have now received a Notice of Default letter.   First, I am not 30 days late for  XXXX  's payment. In the Notice of  Default letter, Ditech  has added the month of  XXXX  's payment.  Second, Ditech  sent the letter which includes that I have several   hundred " over paid '' dollars on my account that are listed as " unapplied funds ''.
So I have an over payment that is sitting in " unapplied funds '' of several hundred   dollars AND a Default notice for a payment that is not 30 days late ... PLUS the next month 's payment that is not due til the  XXXX  of  XXXX , next month? To add insult to injury I consistently receive monthly bills that are " ballooned '' to reflect 2 and 3 months at a time therefore the monthly statements do not equal the harassing letters sent.   Finally, I know when I pay this amount off, I feel I have no choice, .... next month, the same harassment, the same demanding letters, the same threats to pay unwarranted monies will continue ...  XXXX  as they threaten to attempt to take my home.   All this and I have consistently paid Ditech not just the monthly {$930.00} but {$1000.00}. each month ... .consistently.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WA)

XXXX / XXXX / XXXX  - submitted a request to loan servicer MOHELA via secure online message for full payment history of my account : " Please provide detailed transaction history of my account from  XXXX   XXXX ,  XXXX  to current. ''  XXXX / XXXX / XXXX  - MOHELA 's Response : Thank you for contacting MOHELA, We will provide you with an automated payment history for your loans while serviced at MOHELA. You may view the last 12 months of payments on MOHELAs website. To the left of this message, please select Payment History under the Payment Assistance heading.     To provide a complete payment history, we will need a specific reason. We apologize for any inconvenience this  may  cause.     We look forward to continuing to service your loans.
Consumer complaint received 2020-05-08
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. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: DriveTime (FL)

DriveTime from XXXX, Florida ripped me off. My car is {$8000.00}. I literally bought this car 3 weeks ago. Why does my loan say I'll pay {$25000.00} at the end of my loan. My interest was 25 percent. Like they say, " Never let a crisis go to waste. '' I am on XXXX and they refuse to assist neither did the loan company XXXX wanted to assist or change the terms. They made is so that I could not trade in my car because I had alot of negative equity. If I wanted to trade in my car at another dealership, I had to put {$10000.00} dollars down. My car was only worth {$3000.00} as a trade in. Don't go here. Drive Time XXXX used this crisis to prey on people like me. Beware.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (TX)

Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/2020. I have recently contacted Citigroup , Inc. stating that my account is in billing error. 

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I purchased an airline ticket ( XXXX ) via an online travely agency XXXX XXXX XXXX. Now due to the Covid-19, my airliine cancelled the flight. I tried for a month to approach the travel agency and the airline. But no one respeonded back to me to resolve the matter. As a result, I tried to file a dispute with my credit card company ( Citi Master Card ). After submitting all proofs on how my flight was cancelled & How the tranvel agency issued me bogus vouchers, Citi Master Card blatently denied my cliam with a response " that they need a proof of cancellation to reverse the credit ''. The travel agency issued me bogus travel vouchers that are not good. Now I have lost the money as Citi refused refund me the funds. Citi Master card is abetting this travel agency in commiting fraud. 

My flight was cancelled by the airline & the I never recieved my funds back. My Credit Card company is supporting a Fraud business to draw unauthorised funds from my account.
Consumer complaint received 2018-12-03
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. (NH)

I have been trying to get TransUnion, XXXX  and XXXX  to fix my credit report for almost a year. They have items on my report that go back to XX/XX/XXXX every time I dispute anything they temporarily freeze my account while they are investigating, I have accounts that were closed past the Florida limitations limit but they still are reporting it, I paid and closed accounts in XX/XX/XXXX and opened another dispute because they were still on my report when XXXX  XXXX updated my score it dropped 69 points. In fact every time a pay anything down my credit score drops they take items disputed off then add them back on the next month I would like them to remove all paid accounts they also have two XXXX XXXX XXXX listings but its the same account its been duplicated I have asked that the closed duplicated one be removed but it remains on my report, XXXX  on the other hand has info that is not mine so when I try to answer the question they must have the other persons info and I get kicked out so I can not even order that report
Consumer complaint received 2020-11-12
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. (FL)

I HAVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Heritage Financial Group, Inc. (IL)

I was financing a car with  Heritage Acceptance Corp  in    XXXX   XXXX  .The  company was taking money directly out of my checking accounts every two weeks. I paid on time and never missed a payment. The beginning of   XXXX   XXXX      one of their Acc ounts reps had called and said to me you do n't have that much longer to pay off your loan would you like to pay it off in full? I made arrangements of  two  payments to be taken out in  XXXX  that would calculate to {$850.00}. Now I did n't know me paying off the account in full would leave a derogatory remark on my credit report. I started looking at my credit report in   XXXX   XXXX   XXXX     and I had called and talked to the acco unt manager a nd explained to her that I have a remark of " Derogatory Less than settled amount '' she stated its nothing that she could do. So I decided to take action and have them to dispute this remark and they did n't within th e 30 period. Now they are in violation of the FCRA 623 ( a ) 3 and FDCPA Section ( 225 ILCS425/9.3 )   Attached is all the necessary paperwork you need to review this case. I had been calling them about this problem since   XXXX   XXXX   and nothing has been done until now. At this point they had time to work something out now I can no longer sit around and deal with this situation.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (FL)

I was unaware of the debt and I offered settlement as they never notified me of my right to dispute the debt in writing. When I became aware that I could dispute the debt, in which I was just offering settlement to make this go away as the person  at Capstone Credit Services,   XXXX   XXXX  was very degrading, I did just that. I sent them a request to dispute the debt via email on  XXXX   XXXX ,  2017 , and followed up with them as of  XXXX   XXXX ,    2017  to advise them they had failed to send validation to the debt however they continue to report this to my credit report. They are in essence violating the law in the fact that they are reporting an unvalidated/unverified account. I have contacted their office as recent as today and spoke with a  XXXX   XXXX  who advised me to leave her alone and find someone else to both er. ( How unprofessional! )
Consumer complaint received 2019-06-20
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. (GA)

Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with XXXX & Equifax. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX  employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!
Consumer complaint received 2020-06-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}, {$3000.00}, {$0.00}, {$28000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.
Consumer complaint received 2017-04-25
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. (FL)

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my l ast 4 ss #  on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (AZ)

On XX/XX/2021, I received a letter from XXXX XXXX Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX XXXX XXXX  Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to Equifax for further dispute. After inquiring with Equifax, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with Equifax, I received a letter from Equifax on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for XXXX years [ Exhibit B ]. 

I have never authorized XXXX XXXX to use my personal information to check my credit file. More importantly, Equifax is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and Equifax is damaging my credit history by such practices.
Consumer complaint received 2019-08-30
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: AMCOL Systems, Inc. (FL)

Amcol Systems, Inc ( XXXX XXXX ) XXXX XXXX  XXXX XXXX, SC XXXX Account # listed on demand letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX ID # XXXX After taking a look at my excellent credit score, I noticed on my XXXX account on XX/XX/XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in the state of Florida 5 Itemized breakdown of money owed and why If you continue  attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-17
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: ALLY FINANCIAL INC. (IL)

To Whom it may concern, Thank you for your response on XX/XX/2022 addressing my dispute of a credit inquiry I did not authorize on XX/XX/2022 at XXXX XXXX XXXX XXXX. Thank you for revealing your source of how you obtained my credit information. However in accordance with the law. 

15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had your permission!

The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronically or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. 


If a signed authorization electronically or physical can not be found please remove the inquiry from the main credit bureaus XXXX. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 

Best Regards,
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (AZ)

The company in question Crypto.com has allowed me to deposit funds and use funds within their application but now refuses to let me withdraw my own funds all the while keeping me in the dark about what they're doing. It's been over two weeks since my withdrawals were restricted and customer service representatives for Crypto.com refuse to answer when I'll be able to withdraw my funds. The amount in question is over {$1200.00} USD.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CT)

I have disputed this debt on two previous occasions with two separate debt collectors. Each time the cases were dropped. I sent certified letters. File complaints via CFPB. None of the debt collectors were able to provide the debt was mine from XXXX XXXX XXXX. My identity was stolen. The other collectors were XXXX XXXX and XXXX / XXXX. I will be sending a certified letter to ERC.