davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
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: ALLY FINANCIAL INC. (MO)

Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to Ally Bank an online bank that went to XXXX XXXX e located in XXXX XXXX CA. XXXX stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting 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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

i purchased 3 phone lines for my son and 2 granchildrenfor {$140.00} amonth.start auto pay XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then i cancelled because not applicable to the children and my son 's phone can not get the right internet connection because his phone is hwawei . also al three phones are ours.come XXXX, they bill me again, i call XXXX XXXX, i said why do you still charge me when i was already cancelled. she said sorry for that, maybe it is just late .so what she did was gave back the XXXX $ to my bank account. and said try to tell your bank to cancell payments .which i did.XXXX comes, i call again why is XXXX XXXX asking for payment again? she answered, sometimes it take time to upload the collection. just disregard .you are ok in my end. nothing to worry. XXXX, i got letter from XXXX XXXX saying final notice and will be sent to debt collector, past due balance of XXXX $ XXXX XXXX received letter from credit company .i call them and connected me to XXXX XXXX and said she can not check what is my balance about she need passcode .go get new pin from the store where you get internet. went to store said go call them. we can not open. XXXX XXXX talk to ariel ask me to go to store again and ask for new pin to peek on account and to talk to him when i am there .XXXX XXXX store people don't like to talk to him at first. said they were able to open but don't see anything wrong with the account. they keep me going back and forth to call XXXX XXXX and go to store. and nothing was done properly. until now credit company is bothering me with the said balance not paid but they can not explain what it is specifically. please help me resolve this matter. we have also sent letters asking for explanation but did not answer at all.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XX/XX/XXXXXXXX was never late! I have had exceptional payment history witH XX/XX/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.XX/XX/XXXXXXXX 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 2020-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original  creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2020-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Attn : XXXX MACY FRAUD / CBR DEPARTMENT XXXX XXXX Content of recently filed complaint with Ohio XXXX XXXX XXXX 

After hours and hours on the phone with citi/ macy/ XXXX  I have submitted formal complaint to the XXXX XXXX XXXX. I have ask that you remove a fraudulent account from my credit report. I have encountered nothing but resistance and unwillingness on the part of Macy and Citi. The account was originally opened in XX/XX/XXXX. I have never had a MACY/OR   BLOOMINGDALE  ACCOUNT. I DID NOT LIVE IN OHIO AND HAVE NEVER LIVED IN OHIO. I have filed disputes with all three credit bureaus and XXXX in our recorded conversation contends it is macy/ citi that continue to report the account as a charge off to my credit. This is negatively impacting my ability to secure a refinance. 

I submitted the following complaint today. XXXX  complaint number XXXX Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will receive an email with further information once your complaint is processed by the XXXX 


XXXX data breach XXXX lead to identify theft in XXXX. Someone open a fraudulent XXXX MACY /BLOOMINGDALE ACCOUNT IN MY NAME. I became aware of this when I received a collection call from MACYs. I called macy/ file fraudulent dispute with all three credit bureaus. Macy has stonewalled all attempts to remove this fraudulent account and continues to report the account as a charge off on my credit reports. During the time this account was open I was living and working in the XXXX XXXX and never visited Ohio or gave anyone permission to open this account. Every attempt to have Macy 's remove this FRAUDULENT INFORMATION has been met with passing the buck. One business says call this number who then refers the consumer to another number that either doesn't work or I am told to call a different number. I have proof that I was never in OHIO and could not possibly have perpetrated this fraudulent account. Macy agents will not transfer calls or honor requests to speak to a supervisor or say they will resolve the matter in thirty days. My initial request and notification started in  XX/XX/XXXX. 

I will be forwarding a complaint to the federal government and speaking with legal counsel to determine how I can be made whole given MACY/CITI refusal to correct this fraudulent information and to remove it immediately from my credit reports. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

Hello CFPB. 

I would like for Chase Card Services provide to both myself and you where are they getting the false allegations in regards to> Balances on accounts are high compares to credit Limits???? 
( I only owe both chase and they were way under the limit prior to the decrease limit ) Total Balances on Revolving accounts are too high???

( how an I have attached proof from XXXX> ALL XXXX BALANCES ) Payment amount above the required minimum on some chase cards is low?? 
( Have chase provide my Payments since day 1, I have paid 2x the minimum required ) Payments on credit card accounts with us are low compared to balances??? 
( With me only paying Chase, I have about $ XXXX in LOC Limits ) Number of credit cards with a balance close to the credit limit??? 
( I have attached my Credit report as proof, have chase show their evidence now ) Total Balances on Revolving Accounts?? 
( I only owe $ XXXX out of $ XXXX LOC, Less then 5 % ) Number of non installment loans compared to the time on file???? 
( I have trades since 1994 paid and paid off like clock work ) Number of inquires in credit bureau report??

( Average 3-4 to the current consumer ratio % )
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (TX)

After receiving notification Zwicker & Associates was suing me on behalf of XXXX XXXX for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with Zwicker & Associates office manager on a second call on XX/XX/XXXX at XXXX XXXX CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions Zwicker & Associates failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and Zwicker & Associates won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt Zwicker & Associates sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.
Consumer complaint received 2024-08-13
Product: Credit reporting 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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

Good evening, Since Citi arbitrarily closed my accounts while acknowledging I'd done nothing to violate the terms of service, I've been subjected to a number of fees I should not have been assessed. Attempts to address this over the phone have been met with refractory and snide customer-service representatives telling me they can not reverse the fees, which is an outright lie. I would like the following reversed : -Citi Premier late fee XXXX {$25.00} -Citi Premier Interest on the same XXXX {$2.00} -AA membership fee XX/XX/13 {$99.00} ( why am I being assessed a fee when my account is closed? ) -AA {$15.00} late fee XX/XX/13 -AA {$1.00} interest on the same XX/XX/13 I'd also like to be paid out the {$19.00} negative balance on my DoubleCash card Total = {$160.00} Thank you, XXXX XXXX
Consumer complaint received 2017-11-17
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. (CA)

This credit repository is reporting incorrect, outdated information with regards to BANKRUPTCY XXXX ref # XXXX. Item has been withdrawn last XXXX XXXX, my social nor my date of birth is not showing in relation to this item, all of which was verified by the court. Clearly, this credit repository 's information/records are outdated and the item was never investigated as my credit report shows. I kept records of my credit report from the day I disputed this item and downloaded new reports and the incorrect information still is reporting. This is a violation of FCRA.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (VA)

Complaint against- Union Home Mortgage Year to date they have collected more real estate tax than the bills I have received from City treasures bill. 

In XXXX they sent a notice stating my escrow account was short. I paid over the amount stated {$900.00}. 
Then I received a notification that my monthly payment had increased because of my escrow account. My payment was automated. So the next payment was not changed. 

They held that payment as a partial payment. I tried to go online to pay but they terminated my sign on. I called and was told I could pay by phone. The person said the payment and late fee had gone through. Later I received a letter saying it didnt go through send a check. 

The XXXX payment was on time and corrected but they took the whole payment stating my escrow account. 

They then sent me a letter saying I was in default because I had made no payment for that month. 

I contacted the treasurers office for my city. They sent me a statement laying out what my tax payments are. 

My original payment with Union Home Mortgage would have paid the whole years taxes. 

To settle up they said I owed over XXXX. I paid {$7200.00}. I still receive delinquent notices. 

I was told on one call that they had to recalculate my escrow every few months. 

As an example : my XX/XX/20 statement is after the 3rd quarter tax payment of {$1200.00} My stated escrow balance is {$2200.00} XXXX XX/XX/20 ). 

Even at the new rate I received from the treasurers office my taxes will be {$5400.00} for the year. On my latest statement from Union Home Mortgage I have paid {$11000.00}. 

I have homeowners insurance with XXXX XXXX that I pay monthly. I have a yearly flood insurance that is paid upfront yearly. It is paid. 

My complaint- they have overcharged me. If there are fees they dont state them. 

They caused my credit to drop. I have over paid them and I would like a check sent to me. Not applied to principal of the loan.
Consumer complaint received 2021-01-05
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. (LA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2020-09-24
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)

I have an identity theft issue from over 3 years ago someone is still using my name to apply for credit cards, cellphones, and car loans. I have filed an FTC and a XXXX Police report. My name is XXXX XXXX XXXX please delete any other names or variations of my name ( not my name XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX   XXXX OH XXXX. I dont not live at the following addresses and they are fraudulent please delete immediately : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 1914 XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the phone numbers they are not mine : ( 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 the following fraudulent account need to be deleted/removed : 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 This is the 2nd or 3rd time I have had to address this issue, I never received any documents or correspondence from any of these companies. I have requested a freeze on my credit as well and please opt my name out of any promotional offers!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$690.00}.

As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.