davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I was served papers by a process server on XX/XX/XXXX. I was sued by Citibank in XXXX XXXX XXXX XXXX XXXX over an uncollected debt for {$5400.00}. The case number is XXXX. The complaint refers to a " My XXXX XXXX XXXX XXXX  '' branded credit card. I have never had a XXXX XXXX XXXX XXXX credit card. I experienced an identity theft situation in XXXX, and locked my credit at that time. Other companies, like XXXX, sent me queries since that time about credit cards that were attempted to be opened in my name. 
But Citibank made no effort whatsoever to contact me about this debt ; they just sued me years after the debt was fraudulently incurred by someone who stole my identity. The address listed as my address in the complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not and has never been my address. The process servers managed to figure that out but Citibank did not before they sued me.

I only recognize this address because XXXX sent me a credit report on XX/XX/XXXX, that included this erroneous address as my address as of XX/XX/XXXX. This is not true, I never lived at this address. I attempted to correct this with XXXX but I am not sure whether that was resolved. 
I have 30 days to respond to the court about this. 
If it is useful, the debt collector 's name is XXXX XXXX, # XXXX ( I believe that number refers to XXXX XXXX XXXX California debt collection license ), and the law firm is XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

I received an electronic alert that a debt collection had been included on my credit report which negatively impacted my credit score. My credit is locked due to ongoing identity threat incidents. 
The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX in the amount of {$3200.00} I have no knowledge of this company nor do I have any outstanding debt in collections. I have received no other written or electronic communication about this until it appeared on my credit report
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

XX/XX/XXXX, US DEPT OF ED/XX/XX/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 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 2024-09-24
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. (CA)

On or about XX/XX/year> I was informed by my bank that I am being denied a credit line increase on my visa because of a proprietary credit score provided by transunion, called the trans union rapid default score. The score range from 300 to 800, mine being XXXX supposedly indicates that I am likely a true name fraudster and at risk of committing criminal acts of a financial nature. additionally my bank said that transunion informed them that this was based in part upon my not having any joint accounts. 

I am not a true name fraudster, I am exactly who I present myself to be to all the financial institutions I have a relationship with, I have no intent of committing any financial crimes or other crimes, nor have I ever done so. I have an exemplary and pristine credit report with a fico 8 score near 800, a credit utilization ratio of under 6 %, absolutely no derogatory information and I have never once missed a payment. 

Transunion telling financial institutions that I am at risk for committing fraud does me serious harm and is libelous. Additionally they will not discuss this report or score with me or allow me to review what data it is based on other than what they have told my financial institution. One of those factors being my lacking a joint account constitutes credit discrimination based on marital status. 

And unlike fico or vantage scores, which reveal what factors are considered and those factors being directly related to credit-worthiness and based specifically on penalizing bad behavior of the individual being scored, this transunion rapid default score appears to be based on, at least in part, people 's marital status which has no bearing on credit worthiness. as to any other factors it's based on, the company will not say, yet it is distributing this secretive information about credit consumers and at least in my case completely erroneous information, while offering no basis for appeal, review, or counter statement to said, distributed information.
Consumer complaint received 2024-09-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Village Capital & Investment LLC (GA)

I applied for a loan modification under the VA Servicing Purchase ( VASP ) program through Village Capital & Investment LLC to make my mortgage payments more affordable and prevent foreclosure. On XX/XX/year>, I received an offer with terms that included a monthly payment of {$1400.00}, an interest rate of 2.5 %, and a XXXX term. I accepted these terms immediately upon receipt. 

However, on XX/XX/year>, the company proposed a new modification with a significantly higher monthly payment of {$2000.00} without clear justification or changes in my financial circumstances. This new proposal was issued on the same day Village Capital responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), raising concerns about potential retaliation for exercising my rights as a consumer.

The increased payment contradicts the VASP programs guidelines, which are intended to help veterans retain their homes by offering sustainable and affordable modifications. Despite multiple attempts to resolve the matter, Village Capital has delayed the processing of my originally accepted terms, causing ongoing stress and financial hardship.
Consumer complaint received 2024-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

XXXX billing : The current bill in not accurate. I canceled the contract and service in XXXX of XXXX. I paid the equipment rental fee for XXXX XXXX XXXXr. XXXX picked up the tank ( without contacting me ) in XX/XX/XXXX. I was not notified of any fees however XXXX XXXX later you sent a bill for {$290.00}. This charge is in error. When I tried to call customer service a representative tried to get me to first pay {$190.00} then he tried to get me to agree to pay {$99.00} and then tried to get me to agree to pay {$80.00}. When I ASKED TO SPEAK TO A MANAGER I WAS PUT ON HOLD FOR XXXX XXXX AND THE LINE WENT DEAD. There is no agreement between XXXX and myself for any termination fees and after over XXXX XXXX of doing business with XXXX this is how you treat your customers. XXXX needs to correct this invoice to show that it is paid in full with {$0.00} balance. I have tried requesting a response online at the XXXX website and have not received a response.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: KEYSTONE EQUIPMENT FINANCE CORP. (SC)

I bought truck XXXX XXXX  on XX/XX/year> down-payment was about XXXX $ finance company credited me for XXXX XXXX 18 month paid XXXX $ over XXXX $ paid in 18 months. Wheni request payoff amount banker says XXXX $ left. Where is my 18 months payment that paid XXXX  monthly no response. I'm disagree with them banker not even saying me interest rate once he said XXXX but impossible to pay XXXX monthly pay for laod XXXX $ for 60 months. They are lying me. I never signed that high interest rate or this kind of scheduling. Please help
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (CA)

n 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 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed from my credit report because According to 15 USC 1681. I have the right to privacy and did not give Transunion written permission to furnish these accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (NC)

Somebody tried to open a loan with my information at XXXX XXXX XXXX. XXXX sent a hard inquiriy to the credit bureaus that i did not create. I filed a police report with the XXXX police department ( Police Pepartment Notice Distribution Number XXXX ). I immediately and easily put a fraud alert on my credit files with all 3 bureaus, and easily froze my credit with XXXX and XXXX. However, Experian has been a problem with every step of this : First, I was not able to urgently freeze my credit with Experian for many important days. The automated phone system would not let me do it, and it would simply direct me to the experian website, which has continuously not let me log in or reset my password, and has given a " we are experienceing technical difficulties '' message for days. I have taken screenshots and screen video of this message, trying to login from XXXX computers, pc computers, and at both my office, home, and XXXX  's house. I still can not log in, and can not get through to any human being on the phone, as the automated system says it can not put me through to an agent. 
After wasting days and filing a complaint about not being able to freeze my credit, suddenly, the phone system says it was able to freeze my credit. HOWEVER : THE PHONE SYSTEM SAID I WOULD BE SENT A PIN # TO UNFREEZE MY CREDIT IN THE FUTURE, AND I NEVER GOT IT. THEN THE AUTOMATED PHONE SYSTEM SAID IT WOULD GIVE ME A CONFIRMATION NUMBER OF THE FREEZE, AND HUNG UP ON ME. I still can not log on to the experian website to fix any of this, and there is no support. ALSO AS A RESULT OF NOT BEING ABLE TO LOG IN TO MY EXPERIAN ACCOUNT< OR EVEN CREATE ANOTHER ACCOUNT OR ANYTHING ONLINE FOR THAT MATTER, I CAN NOT DISPUTE ANYTHING ON MY CREDIT REPORT< INCLUDING THE HARD INQUIRY SENT BY XXXX XXXX XXXX THAT WAS FRADULENT. 
I have a credit score that is essentially perfect, and have for years, and I will be proctecting my rights, which are clearly being violated, to the fullest extent allowable by law.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (IA)

The contractual date began in XXXX of 2018. It was approximately XXXX months later, I noticed there were additional fees being applied. I called and wrote Ally on a consistent basis. Working to resolve the discrepancies. Honestly, there are so many I had and/or have a hard time keeping up with them. 

I have come up with a minimum of {$48.00} in the number of overpayments. 

In reviewing the amounts today, the number is adding a {$690.00} amount. 

Additionally, there were fees and charges made to my personal checking account in excess of {$300.00} not recovered! 

Beware of Ally they also close personal accounts with no explanation.
Consumer complaint received 2019-07-31
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: NAVY FEDERAL CREDIT UNION (AL)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2024-08-03
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. (NC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2019-07-31
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. (SC)

I demanded Equifax verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed ..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (WA)

XX/XX/year> I needed to move for a new work opportunity. Most property management companies wanted access to a credit report and I granted it. Because I hadn't checked my report myself lately, I requested a copy. After receiving it XX/XX/year> I was dismayed to discover a collection record report had been added to my credit report with all three major reporting agencies. A company called Transworld System Inc had purchased a " seriously past due account assigned to attorney, collection agency, or credit grantor 's public collection department '' from XXXX XXXX XXXX XXXX. I popped XXXX XXXX XXXX XXXX into my search engine and discovered that they're an electric service utility with headquarters in Texas. 
Upon calling their listed phone number the representative for the utility notified me that they couldn't help me without an account number, ( which I didn't have since I haven't ever lived within any of their service areas or had an account with them ) drivers license, or SS #. I opted to give the rep my drivers license #. After a few seconds the representative wanted to know my SS # at which point I assumed that they either didn't have any records with my name or were fishing. 
XXXX I followed up with filing an email dispute to XXXX after failing the security questions etc. of both XXXX and XXXX. 
XX/XX/year> Made time to break from studying for a career test, unloading/unpacking, and the general mayhem of moving to a new area to start a new job, I checked the status to find that XXXX had no record of me filing the dispute. Which prompted me to call all three credit reporting agencies and file a fraud/identity theft report with the FTC and XXXX. This was a full 8 hour day of call waiting resubmitting and submitting two more disputes, filling out an FTC report and then uploading it per XXXX request. 
I believe that Transworld System Inc. is making a false claim hoping for payment for a purchased debt investment that they know doesn't have any connection to me. This conclusion is due to a : The debt was accrued at a company that has no record of me or my name. b : The multiple complaints I found in a 2 minute search of their name and complaints against them are consistent with them regularly practicing that tactic as part of their financial gains practices.
Consumer complaint received 2024-06-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and 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.
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to formally request the removal of the collection entry on my credit report associated with Account Number- XXXXXXXXXXXXXXXXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of collection : XX/XX/year>, Amount- {$820.00} Creditor : COLUMBIA DEBT RECOVERY, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  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 those account 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. 

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
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has the worst website and should not be allowed to have the same rights as XXXX and XXXX. The Transunion website has not worked for over a week. Customer service is horrible with long wait times and poor response. 

I received an email from XXXX XXXX  about a hacker attempt. I was told to freeze my credit and place a fraud alert. 

I was successful with XXXX and XXXX. Transunion should be held found guilty of contributing to fraud from hackers. 

Please try to log in to Transunion and please help innocent consumers.