davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NY)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Ally Financial Inc was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed Pursuant to 15 USC 1692d ( 4 ) they then state they are going to repossess the vehicle in which they clearly have no intrest in and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX UCC11 Lien search was conducted Name dose n't come up with a lien.
Consumer complaint received 2019-08-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I went into XXXX XXXX today to check my credit report and noticed I had a debt from Debt Recovery Solutions for {$150.00} from my understanding this debt came from a pay day loan. I have never ever used a payday for money especially for a {$150.00} I have an husband and family members I could have gotten a {$150.00} from. I had this problem once before someone had use my information for cell phones and cable company. I am pretty my information was used but it wasn't me and this need to be removed off my credit report.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I disputed this account over a year ago and this was not investigated throughly. I was not late in this account and I paid this as agreed and this was never updated
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (UT)

At the time I accrued this original debt, I was also receiving other medical bills for the same health issue. Unfortunately, this one fell to the wayside and I forgot it existed. I havent heard from the original healthcare provider in months, so I wasnt aware my bill was about to be sent to collectors. Upon receiving a bill from the collection agency, I attempted to set up a payment plan that I could afford and would take 4 months to pay off. The agency refuses to accept this, despite the fact I cant afford to pay more and am making an earnest effort to pay the bill. What are my options?
Consumer complaint received 2023-09-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation (TX)

ON OR ABOUT THE DATE OF XXXX XXXX XXXX XXXX WHO REPRESENTS WORLD FINANCE CONTACTED MY EMPLOYER AND RELATIVE AND DISCLOSED MY PERSONAL INFORMATION WITH BOTH PARTIES STATING SHE WAS CALLING FROM WORLD FINANCE AND I HAD A PERSONAL LOAN WITH THEM AND SHE NEEDS TO SPEAK WITH ME. WHEN THE LINE WAS TRANSFERRED TO MY DESK I STATED, 'THIS IS XXXX XXXX XXXX XXXX THEN STATED, 'OH THAT MUST BE YOUR OTHER NAME '' I THEN HELD THE PHONE BECAUSE I CAN NOT TAKE PERSONAL CALLS AT WORK AND COULDNT TALK BECAUSE MY COWORKERS DESK IS LESS THAN TWO FEET AWAY FROM MINE. AND SHE THEN PROCEEDED TO SAY " HELLO, HELLO, OH DONT WORRY I'LL KEEP CALLING ''. I THEN HUNG UP THE PHONE AND LATER CALLED XXXX XXXX AND STATED HOW UNPROFESSIONAL SHE HANDLED THE SITUATION AND WHY DID SHE DISCLOSE NOT ONLY TO MY SISTER BUT MY EMPLOYER MY PERSONAL BUSINESS AND HER RESPONSE WAS " WELL SHE ASKED ". SHE DIDNT KNOW MY SISTER WAS ON BREAK WITH ME AND MY SISTER STATED EXACTLY WHAT SHE TOLD HER WHEN SHE CALLED AND XXXX THEN WENT SILENT ON THE CALL. I THEN FILED A COMPLAINT WITH THE CORPORATE OFFICE AND THEY STATED THEY WOULD GIVE ME CALL BUT I HAVE YET TO HEAR ANYTHING FROM THEM.
Consumer complaint received 2023-08-30
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited two checks at the Bank of America ATM at University and XXXX XXXX, FL XXXX and only one check was credited. A {$5000.00} check from XXXX XXXX did not register and I could not retrieve the check.
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TN)

Bread Financial, formerly referred to as Comenity Bank or Comenity Capital Bank, closed my JCrew store credit card account without providing any advance notice either in writing or electronically via email. My account was fully up-to-date, with no outstanding payments due. Due to this, my credit score was negatively impacted, which adversely affected my financial standing. 

On XX/XX/2023, I contacted Customer Care at XXXX to seek assistance regarding the unexpected closure of my account. The bank 's automated system stated they were unable to reopen the account and immediately terminated the call.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible 1. American Express ( XX/XX/2022 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (NY)

The account name is XXXX XXXX XXXX XXXX. I had a name change and have not changed my name with the bank. 

The atm did not dispense the funds bank is not honoring the claim.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (CT)

I disputed this information early XXXX XXXX XXXX XXXX and with FoORTIVA. XXXX XXXX  never responded. Forgive responded stating this debt was no longer theirs. I responded with a debt validation and verification letter due to the fact I do not owe this debt and do nit have this account. Upon my credit report the information listed is very inaccurate, inconsistent, incomplete, not true and not whole. They are not filling the laws if FCRA or FDCPA nor is this compliant with metro 2 style formatting. This is account does not belong to me and they did not provide me with sufficient information proving so. This is also very inconsistent by looking at the 3b report. They are doing what they want and violating my rights. They have consistently and continuously lied and reported false inaccurate information please remove from my report ASAP
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yield Solutions Group, LLC (GA)

I refinanced my auto loan with Refijet. As going through the number with the loan officer initially, I was told that there would be a {$490.00} prepaid finance charge which was to pay the accumulated interest with my previous lender ( XXXX bank ). However, when logging into my online account two weeks later, it appears the total loan principal includes the {$490.00} fee, which obviously isnt right and should not be included in there. I then called the loan officer to get clarifications on this. What I was told this time was not the same as before. He said the {$490.00} was a fee from Rjfijet and needs to be included in the principal amount. I was surprised about the different answers on the same amount from the same person. I tried to further dispute this but was told again that was the finance charge. 

The loan application itself clearly outlines the {$490.00} as XXXX XXXX XXXX, but the loan officer denied what he previously communicated with me regarding that amount. 

Therefore, my total principal amount is now {$490.00} higher than it should be which would result more interest I would have to pay, and this is not right in any comprehensible way. 

Also, I was told they would charge {$10.00} which was the amount to open an account for me, but my online banking only shows {$5.00} be deposited into my account.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UMPQUA HOLDINGS CORPORATION (MD)

I used to live in XXXX So I came to XXXX because my family needed me and we need money because my sibling is sick, I needed to cash a check so I thought of a bank and put a call through to Umpqua bank and ask the representative if I could open an account and I'll be able to do a mobile deposit and also have access to online banking, the representative told me yes and that I could easily set up and account online, so I went to the website to set up an account, and I provided everything that was requested got to a point opening deposit of {$25.00} was requested I thought I could use the check to pay but I couldn't so I talked to a neighbor and requested to borrow {$25.00} and I'll pay back the next day since I have a check in hand, so XXXX gave me access to take {$25.00}, and my account was successfully opened, my account number is XXXX and I was able to create an online access and have full access to my account, I will also attach prove to this complaint, so I download the app took a clear picture of my check and submitted, Umpqua sent me an email that it has been submitted and will be processed on the next business day, so today the check was processed, and it cleared successfully, few hours after I got the email that my check was successfully processed, I tried to log in and I couldn't, I thought I was hacked then I decided to call Umpqua and they confirmed they deleted my online access and I'll have to wait XXXX hours for them to see what's wrong, No I don't have to wait XXXX hours, I need access to m Money, I want to log into my account, I want to be a belt to withdraw my money at the ATM, I need access to my account. we need money for my sick sibling, it's either you provide your services to me or you don't, Umpqua does not have the right to hold my money I don't owe loan, I don't owe debt and the check wasn't illegal, I'll attach a copy of my check too, everything I did was legal! The check was a legit check that went through successfully! i didn't provide the requirements my account would not have been opened, I want full access to my account, if I take out my money and you feel you want to close the account, Umpqua can go ahead and to close it after I take my account back to XXXX balance!, my details was verified and that's why i was able to open an account, why open an account for me only to keep my money?? i want to have full access to my internet/online banking and transfer my money i want the account closed, according to the account agreement i have right to close my account. Customer service are rude and mannerless, which i read all the complaints on XXXX before opening an account .i have every right to my money .... the check deposited into the account is legit and they confirmed it wasn't a fraudulent check.there was no fraudulent activity on my account.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My identity has been stolen from hackers that XXXXNew Rez continue to put on me where they are now committing fraud by applying for loans against home or home loans in my name. I am getting messages like attached to email inbox that I did not do anything to trigger. I am homeless living in a homeless shelter. No job. I have no income to even qualify for a loan. In no way, shape, or form do I have any plan to apply in the near, present, and far future, for any type of loan. This is fraud being committed where if loans actually go through can be traced to where funds go and will not lead to me since I'm penniless and do not even have a debit account for anything to get deposited to. Please do not allow this fraud to be committed on me or the institution that has already done so much to me that i now have to now worry about fraudulent loans being allowed to be taken out in my name at New Rez now as well.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ION XX/XX/XXXX  I RECIEVED AN EMAIL FROM PRE-PAID BANK OF AMERICA CONFIRMING THAT I AUTHORIZED A PIN CODE CHANGE TO MY EDD DEBIT CARD. IT HAS BEEN OVER 14 MONTHS SINCE I HAVE SEEN OR USED MY BANK OF AMERICA EDD CARD. I ASKED BANK OF AMERICA EDD *WHY WOULD BANK OF AMERICA PUT XXXX ON A CARD THAT HAS NOT BEEN USED IN OVER 14 MONTHS *HOW WAS THE CARD AUTHORIZED TO MOVE OVER XXXX TO A XXXX XXXX ACCOUNT THAT DOES NOT MATCH MY NAME NOR ADDRESS * BANK OF AMERICA DID NOT RESPOND TO ANY OF MY QUESTIONS. I NEVER RECIEVED ANY COMMUNICATION REGARDING THE STATUS OF MY CLAIM SO I CALLED BANK OF AMERICA ON XX/XX/XXXX  TO CHECK THE STATUS OF MY CLAIM AND I WAS INFORMED THAT MY CLAIM WAS DENIED... 
* THEY HAVE NOT PROVIDED ME WITH ANY REASON OR HOW ARE THEY CONVINCED THESE ARE MY CHARGES THAT I MADE. 

THE EMAIL REGARDING MY PIN CHANGED WAS SENT ON THE XXXX  OF XX/XX/XXXX  HOWEVER I DIDENT ACTUALLY CHECK MY EMAIL UNTILL THAT NIGHT OF XX/XX/. AND THE FRAUD CHARGES HAD ALREADY HAPPEN. I HAVE FILLED A CLAIM WITH BANK OF AMERICA AND WOULD LIKE TO PURSUE INVESTIGATION INTO WHO PLACED THESE CHARGES. MAYBE A IP ADDRESS OR VIDEO FOOTAGE FROM XXXX XXXX XXXX MIGHT HELP FIND WHO HAS DONE THIS TO ME THE FOLLOWING CHARGES WERE UNAUTHORIZED AND FRADULENT CHARGES XX/XX/XXXX  XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX  XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX  XXXX {$150.00} XX/XX/XXXX  XXXX {$270.00} XX/XX/XXXX  XXXX {$220.00} XX/XX/XXXX  XXXX {$130.00} XX/XX/2023 XXXX {$200.00} XX/XX/2023 XXXX {$280.00} XX/XX/20XXXX XXXXBILL PAYMENT {$860.00} ACCOUNT ENDING IN XXXX FRAUDULENT TRANSACTIONS 11 TOTAL FRAUDULENT CHARGES {$13000.00} XXXX XXXX  TRANSFER PRE PAID BANK OF AMERICA CLAIM NUMBER XXXX have reached out to bank of america pre paid and filled a claim and recieved confirmation of claim on XX/XX/.
Consumer complaint received 2021-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

I called a customer service representative about my four loans with Navient, and the representative could only give me partial information about them, but not all of the information that I needed to mangage my loans. About a week later another representative called me being very rude and was trying to bully me and disparage me by saying that I was refusing to pay my student loans. I told her that I was not refusing to pay my loans, but I handed our financial information to a financial advisor who was looking at the totality of our financial situation to come up with a plan to manage our overall debts. She kept repeating that instead of paying our bill, we hired an advisor.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXXXXXX
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/2023 XXXX