davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Company is trying to collect a debt from me that does not belong to me. I have never lived, done business or work with the company they are trying to collect for. Any apartments that the alleged I applied to and were denied XXXX law requires all fees to be refunded. Also any and all aledged debt is included with my bankruptcy. I have contacted my attorney to file lawsuit and to have court apply sanctions against geniuses. I will also have XXXX XXXX XXXX XXXX action lawsuit as well for all the laws geniuses is violating.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Merrill lynch is saying i cashed a check with another bank and how would they know anything outside of their bank or XXXX XXXX, neither bank is suppose to discuss a situation going on with me unless i give them permission, especially if they are assuming and they are a third party that violated my constantutional rights and i am going to sue for all of this going on, thats my money and i want it, their was no other check cashed cause it was cashed with merrill lynch XXXX the check cashing place was doing janky stuff and tried to deposit a check remotely when they did not give me the amount of the check but that's between me and them and the law if something was done fraudently.Which it wasn't, The check cashing place was trying to charge me XXXX so i changed my mind and deposited the check with merrill lynch not whith them they had copies of my check and i deposited my check on the XXXX of XXXX XXXXCheck cashing or banks don't even give you that amount of money at one time anyway you have to wait 5 days, Here is the checks that they sent to me showing they did not get my money merrill has it and i want it back now, before i sue .They are liars and thieves.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I C Systems Collections for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given IC SYSTEMS COLLECTIONS yet alone XXXX XXXX. I have never opened any accounts with I C SYSTEMS COLLECTIONS or XXXX XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until I C SYSTEMS or XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and I C SYSTEMS COLLECTIONS continues to report this unauthorized account. I will file for litigation for actual damages caused andI C SYSTEMS COLLECTIONS will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. I C SYSTEMS COLLECTIONS is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC (ME)

I was recently notified that my real estate taxes are actually much higher than listed on the closing disclosure, which has caused an escrow deficiency. This resulted in too little being charged by the seller at closing and has increased my mortgage payments by over {$300.00} each month. The real estate taxes were not disclosed properly on the closing documents which means I am being charged for a portion of the seller 's real estate taxes and it made all amounts on the closing disclosure inaccurate and much lower than what I am now having to pay.
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Credit report goes down every time you apply, really! 
First bank of America send all thier junk advertisement to me in mail. Then I apply, they deny, was going to transfer balance from XXXX  cause of thier XXXX XXXX. Mostly caused by in my opinion by staff reductions.they didn't allocate my payments as I wanted, now last month they did but still not for month before. The bank spent lots of money trying to get me tp apply for thier credit card. So why deny and reduce my credit score, big old scooge for sure like XXXX XXXX! Stay away from XXXX XXXX, know first hand they are deceiving and dirty! 
Get that hard check off my record by bank of america. 

Then XXXX credit application denied by XXXX. Already have card with XXXX. 
XXXX said, get XXXX dollars from XXXX and 12 months free payment plan with XXXX  XXXX. Got denied by XXXX. So Now I put it under my XXXX  XXXX. The purchase. 
In may, I will transfer XXXX  balance to XXXX. Those applications should not bring my score down, its a gimmick by card companies and banks. Get that credit denial off my record, it was better deal, free XXXX dollars and no interest payment plan. Big business advertisement. We get punished? What's wrong with the America. Get chase credit check off my record! XXXX represenative told me go to credit bureau, ok, so I did!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XXXX, i sent letters disputing the inaccurate information they are reporting on my credit report, per 15 USC 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
all of the information is being reported inaccurately and incompletely, and i need the following tradelines deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (MD)

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

On XXXX I tried logging into my Ally Bank account. It said my password and username did not match. Which was weird to me because I have it saved in my iphone in the passwords options so I haven't changed the login information in years. I then try to reset my password and it says my account is blocked. 

So then I called Ally and they tried resetting it and it didn't work. Then they tried to give me a newpassword it still did not work. I have no access to my accounts at all. They transfered me to a technical associate and they still don't know what's going on. Usually I wouldn't worry as much but I just paid all of my bills so i don't know if there's enough in my checking. Secondly, I am abroad and will be until XXXX XXXX so not having access to my money is a big issue because I only took out XXXX in cash.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NY)

We sent an additional {$4100.00} in payments since XX/XX/29 and our trying to figure out a way to work out this balance since we believed we were already doing that. We sent two payments on XX/XX/29 for {$2100.00} and {$1000.00} we also sent an additional {$1000.00} on XXXX. We want to stay in our home we have never stopped paying and have been trying to get caught up. the papers they say they previously sent i did not receive. I have contacted loss mitigation by phone and email. We had a person contact us with his extension and that is who we have called and emailed. We have not gotten a response
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bepensa Capital, Inc. (TX)

I purchased a XXXX XXXX XXXX used vehicle for {$15000.00} from XXXX XXXX XXXX it was transferred to Finbe USA I made my payment on time, never missed a payment from XX/XX/XXXX to XX/XX/XXXX of {$540.00} which included {$6000.00} cashier check that wasn't apply to total payment. XXXX XXXX contact me XX/XX/XXXX XXXX XXXX from XXXX Texas phone number XXXX or XXXX threatening calls and demand a payment of {$590.00} which I pay {$300.00} instead also he threatened to come to me house because of 6 days late without no grace period. I never missed any payments but I don't see any of balance not going down this company apply the incorrect total of {$13000.00} balance to account instead of {$4400.00}. I made a Total of 38 payment to account which {$6000.00} wasn't apply to the number of payment please review or investigation with this company or I will proceed on court or lawsuit against company. Also I will presume a lawyer to investigate.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CreditNinja Lending, LLC (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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 purposes
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (WA)

Upstart is a huge scam for low income people, I got the loan to pay off my bills and whenever I missed a payment because I lost my job they wouldnt pause it and kept charging me interest and sent it to collections and didnt understand my situation its so predatory
Consumer complaint received 2023-07-13
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BROCKELBANK INC (OH)

I spoke to customer service about the non stop phone calls. 
Harassment, I received the threatening calls intimidating calls from a law official to resolve a matter. I asked him that I told him that I was in hardship I ask for deferment I needed time. I need it away out of this unfortunate the font on my credit of student loans help.
Consumer complaint received 2023-08-29
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-19
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Unable to transfer rewards points to partners ( airlines, hotels ) on Capital One website as advertised. Attempts lead to error message and direction to call customer service, which confirms issue has been ongoing for multiple months. No expected resolution date provided. The ability to transfer rewards to specific partners was the main reason I even considered opening this credit card. 

Error message reads : " Looks like we don't have the necessary contact info to complete a security step. Give us a call and we'll get you back on track '' Checking my profile, there is no information missing. Phone, email, address, etc. are all entered correctly.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (LA)

During Covid 19 i made several attempts to contact Equaint financial services about a time share i was involved in with ex-husband i tried to work out payments and to remove me from the timeshare loan so that it would not affect my credit during covid 19. During this time they would never take my calls and when i finally did get in touch with them in XX/XX/XXXX they told me they would not work with me or help in anyway and that they are foreclosing it and hung up. I have court letter stating that the ex - husband take full responsibility for the account. This has made it impossible for me to get a mortgage to get my own house, i have been stuck at renting a rundown place cause it has ruined my credit that i tried to fix but they didn't want to take my call or work with me on getting it fixed and caught up. I have fixed all my other accounts except this one. You can verify my issues with them and many others by reading the complaints on the XXXX  profile for Equaint financial services. 

You should already have my divorce papers.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account NumberXXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).
Consumer complaint received 2024-04-19
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. (SC)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX 51 US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NJ)

XXXX XXXX XXXX XXXX credit card was handled Genesis and switched to Concora in XXXX. I did not have a problem with Genesis, but Concora insisted that I needed to pay hundreds more a month than the Genesis payment I had been paying. I continued to pay XXXX a month and despite that, Concora dinged my credit as not having paid for XXXX, XXXX, and XXXX. In addition, despite that I had been paying, I just was notified last night by m y checking account, XXXX XXXXXXXX, that the company tried to withdraw a lump sum of XXXX that I did not approve. I had to block Concora from my account with a supervisor -- who could see that I had been paying monthly and that this was outside of my monthly payments -- so this couldn't happen again. Now, the onus is on me, and I have to mail payments so they don't have my account information- and I fear that because they can't get access to my account that they'll continue to ding my credit because they don't have their way. This is predatory and bullying : They hurt my credit for three months and don't report that I'm actually paying when I am, and then XXXX right into my account for an amount that's FIVE TIMES the auto debit that I'm currently paying already. It is criminal. And now I'm becoming one of those old people who reports things and writes letters, but honestly, these kinds of practices hurt regular people who are trying to do the right thing and make a living who don't have a lot of money.
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account Number : XXXX.