davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (PA)

My account with SELF/XXXX XXXX XXXXas never late! I have had exceptional payment history witH SELF/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 XX/XX/year>2022 to XX/XX/year>2022 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. 

SELF/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
Consumer complaint received 2023-08-01
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)

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 U.S.C 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, HAS VIOLATED MY RIGHTS. 

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 in accurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (PA)

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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 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
Consumer complaint received 2024-06-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC (PA)

VALOR REFERENCE NUMBER ; XXXX. To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapte
Consumer complaint received 2024-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (OH)

I had some procedures done as part of turning XXXX so my insurance covers those completely. When the hospital sent the bill into the insurance more than 90 days late they did not pay. I was told by the hospital that the charge was no longer and I went about my business. XXXX  months later I get a call from paragon revenue service about a bill hitting my credit repot at the same time I was trying to buy a house. I explained and sent copies of no longer owing but they just said call the hospital and get your money back but you will pay to get this removed. At this point I lost my chance at a house and my credit is tanking because of it. All my credit cards have dropped limits and raised my rates because of this. Need this taken care of asap
Consumer complaint received 2024-06-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Slovin & Associates Co., LPA (OH)

I was sued by Slovin and Associates for an old auto loan debt. After a year in court, they won a summary judgement against me in the amount of XXXX and agreed in writing to a payment schedule of XXXX per month until the debt was paid off. I made my first payment before the due date and received a letter threatening to proceed with a wage garnishment.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (GA)

Well, on checr, my background my information wasn't updated I had a XXXX  DL but now I have a XXXX  DL # and is not suspended I need that to be updated please
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TriVerity, Inc. (OH)

XXXX XXXX XXXX sold my past debt to TriVerity collection agency. This company by law has no legal standing to contact me in any way... phone, mail, or otherwise. Any violation of this will lead to Civil litigation. I have never entered into any legally binding contract with TriVerity. If in question, Triverity must show the original contract, with my signature binding our agreement. They are not allowed to report their illegal position on my credit bureau, This will be Triverity acting in fraud... imposing as the Original Creditor!
Consumer complaint received 2024-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. PARAGON REVENUE GROUP failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. PARAGON REV  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (TX)

Hello, I currently have a total of [ XXXX ] unauthorized HARD INQUIRIES that are affecting my credit score and my every day livelihood. 

I arrived at a car dealership located in XXXX, Texas and spoke with their finance manager about a XXXX XXXX XXXXXXXX XXXX XXXX Well at first I wasn't able to get approved for no car loan but after a XXXX hour waiting period I was approved with a company in California named ; Westlake Financial Services. I'm pretty sure you all know their history with consumers who possess bad credit. Anyway at the time I was there at the dealership waiting to get the keys and drive off a happy pre-owned car owner ; little did I know XXXX XXXX in XXXX, Texas used my social security number multiple times without my consent nor my permission while I was their present to all these different auto finance entities, therefore causing bad credit worthiness for me. I can't get anything in my name without a cosigner at XXXX XXXX XXXX XXXX I am so embarrassed typing you all this but I need someone's help and assistance to get back on my feet. 


I received the keys to the XXXX XXXX XXXX in XXXX. 

Inflation is so high. The interest rate on the vehicle takes almost all of my {$720.00} payment each XXXX of the month, I can't even get the current principal on the vehicle to decrease. It's so hard on me right now. 

I tried to refinance the vehicle with Westlake Financial Services and they say ; " No. We don't and can't refinance the vehicle. " That XXXX 

I just feel stuck and cursed with all of these hard inquiries on my credit report file. 


Thank you for whatever you all ; someone, anybody that can bless me
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (AZ)

They are claiming that they can collect a debt for {$710.00} for a utility company thats not mine. Ive never heard of the utility company. When asked them for proof that this was my debt they wont send me anything and will update the debt as derogatory on my credit report. They are also lying about the dates, since they keep updating derogatory to hurt my credit report.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (TX)

In XX/XX/year> we received an already signed contract in the mail for new energy utility services. The signed contract included a forged signature that was not remotely close to mine and it included signed name, date, and email ( which was also not mine ). 

The agreement agreed to an extended service contract with a new energy provider that I had never heard of and did not request. I had been happy using XXXX XXXX XXXX for years previously. 

I thought it was bogus, but in XX/XX/year> my energy account was turned off from XXXX XXXX and transitioned to XXXX XXXX. 

I was given no notice from XXXX XXXX that my account had been cancelled, but when calling XXXX XXXX to ask about why my account was being terminated, they stated XXXX XXXX contacted them with the signed agreement and cancelled my account because I had signed up for their services instead. 

Late XX/XX/year>, we received a bill from XXXX XXXX with first month 's utilities ( my memory of this is faded but I believe it was for ~ {$160.00} ). 

I contact XXXX XXXX to dispute the contract, bill, and cancel services to return XXXX XXXX as my energy utilities provider. 

XXXX XXXX stated because the account would be terminated earlier than the contract it would incur a cancellation fee. I explained to them that I never signed up for their services or utilities or made any sort of agreement. They understood and referred me to an account management supervisor who I unfortunately did not write their name down. 

The account manager on the phone understood the concern and stated they would cancel the account. 

I never received another piece of mail or information from XXXX XXXX. My energy utilities were restored to XXXX XXXX in XX/XX/year>. 

I was notified via my credit report that Trident Asset Management was seeking collections for {$390.00} on behalf of XXXX XXXX.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2024 I deposited a check in the amount of {$1600.00} made out to my Landlord. My Landlord does not have a bank account so we went to my local Chase Branch. We were both there to endorse the check and provide identification. It was explained to me that the check or the funds may be on hold for up to 10 days. My Landlord and I were in agreement that would be fine. Well, XX/XX/2024 the bank made the funds available and they were posted to my account. When, I went to withdraw the funds from my account it would not allow me to. I went inside to speak with someone at the branch. They explained to me that a restriction was placed on my account but she reassured me that it wasnt a problem. After trying to remove the restriction she had to call another department. At that time I was told that until my landlord is verified through the phone database that is used by Chase, they could not remove the restriction and allow me to withdraw any funds. My Landlord physically came into the bank and signed the check. They are going to verify him again. I informed them that my Landlord uses Prepaid phone services so its almost impossible to find him in the database. I attempted to provide them with his number but they refused. I requested them to return the check to my Landlord but they stated they can not do that. They would continue to try and verify my Landlord by phone but they would keep the check. Chase closed my account. Why? I dont know. So, the date is currently XX/XX/2024 and no resolution. Ive been to the branch dozens of times and spoke with a personal banker. He escalated the matter twice. I returned to the branch to check status and now he is on leave for 30 days for maternity leave.
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (UT)

I have a debt I owe XXXX XXXX even though I cancelled last year and the still continued to call and charge me until I told my bank to block them. Now they have sent a debt collector to harass me XXXX Aldous & Associates ). Not only have they been extremely rude ex : hanging up on me, but when I asked if they could put me down under currently being disputed I was informed that I was and that it would not affect my credit while it was being disputed. Now I have been told that it will if I dont pay soon it will which is the exact opposite of what I was told before, and then I was hung up on by ( Bill ) saying he didnt want to argue with me even though I never got hostile and was only concerned because clearly I was lied to. Every time I call them they love to make a bad day worse.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (TN)

I called after the product that I requested failed to arrive and they lied to me and stated that the vendor asked that a hold be placed on my account. The vendor unequivocally denies that this happened. The company then refused to deal with me if I recorded the call for my protection. I had no choice but to lose all privacy and protections and now feel extremely taken advantage of.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX my XXXX XXXX XXXX XXXXXXXX was involved in a total loss. I made my XX/XX/XXXX payment as usual. Between then and XX/XX/XXXX I was working with my insurance company and the bank to resolve the total loss and get payment for the vehicle. On XX/XX/XXXX my insurance company made a XXXXXXXX XXXX payment to which XXXXXXXX XXXX  was applied towards XXXX monthly payments and XXXX was applied towards the principle. During this time I received several emails and phone calls reminding me to make payments, that my loan was in collections and that they would report to my credit. I could not talk to anyone because any number I called. Rough me to collections which had no info for me. After XX/XX/XXXX my account was still in collections. I called and finally spoke to someone asking why my account was in collections still after a payment. They told me the insurance payment was applied to XXXX and XXXX and that I still owed XXXX even though the XXXX payment wasnt due yet. When I asked what happened to the XXXX payment I made from my own bank account they said they didnt have an answer for me. 
I have also asked for info to help submit my gap insurance claim so that the bank could Get paid for the rest of the principal and have had no help with that.