davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting to my credit! 
Account # XXXX  are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.
Consumer complaint received 2023-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

I noted a collection on my credit report that was not mine from Transworld Systems that noted it was for a {$310.00} debt for XXXX XXXX. I can not find any information on this power company other than that it has been sold. Transworld Systems has an online message board to enter issues to them but I have not heard a response. I have not lived in Texas nor ever had a reason to set up utilities in Texas which is where this company appears to have been in business. I have had several other fraudulent utility collections for power accounts in Texas despite a fraud alert on my credit report. The validation of my identity is not taking place. I have entered disputes with XXXX and XXXX with no results so far.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

upon checking my credit report it was brung to my attention i have a account with XXXX upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
Consumer complaint received 2023-12-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (MD)

On there webpage and app I'm unable to make payments. For about two months all they say is that they are upgrading the website. I requested address to mail in check and they tell me it will take too long. 

My only option to make payment is to call there customer support line. Should be other options to make payment. Sometimes it is a long process to get a hold of customer support.
Consumer complaint received 2023-08-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX of this year I called Ally and asked them to close my CD account number XXXX and mail me the check for {$51.00}. XXXX. I have never received the money. 

On XX/XX/XXXX, since I still hadnt received the money, I asked that the amount be deposited into my checking account number XXXX. Instead, that account was closed and that {$4000.00} balance was mailed to me. 

I have still not received the CD amount after five customer service calls. Ally claims two checks were mailed to me but have not provided proof. They claim the first was returned to them and the second lost mysteriously in the mail. That is impossible to believe ; I have received many dozens of correspondences by mail from them over the XXXX years Ive had an Ally account including a statement last week. 

W/e XX/XX/23 I made my XXXX call to customer service and asked for a supervisor. When I asked that the alleged second check be cancelled and the amount deposited into my checking account they had mistakenly closed, I was told by this supervisor that I would have to fill out a Lost Check Affidavit which includes this language : I also understand that the Bank has the right under the Uniform Commercial Code to require me to wait 90 days from the date of the original check before it issues me a replacement check. I obviously will not agree to that. 

I suspect this is Allys coordinated attempt to delay returning my money to me. But even if it is only systemic incompetence on Allys part, this is willful bad faith and has deprived me of seven weeks of interest payments with no progress toward receiving payment. 

Can you help me collect the money due to me for over 2 months? Thank you. 

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00}
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (OH)

A man named XXXX called my company and said he was with XXXX XXXX XXXX and was trying to collect a debt on behalf of XXXX XXXX ( an advertising agency we use ). He said our company owed {$680.00}. I told him I would look into the matter and call him back. He told me to call him at XXXX. After finding that all invoices had been paid and all checks had cleared, I got suspicious and XXXX  the phone number. I saw that others had reported it as spam and even mentioned a XXXX calling them. 

I then XXXX XXXX XXXX XXXX and called the phone number listed on their website. I was told they do handle XXXX XXXX 's accounts and put me in touch with a representative named XXXX. She said our only balance with XXXX XXXX is {$190.00} and that it is still current. I asked if a XXXX worked for them and she told me there was a XXXX there but she didn't know why he would have contacted me about a past due balance. 

I do not feel that XXXX XXXX XXXX has done anything wrong, but that someone is using their business name to get credit card information.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to file a formal complaint against American Express regarding their lowest rate guarantee policy, which has led to a significant financial loss on my part. On XXXX, I made a reservation through Amex Travel for a hotel stay ( see Amex.pdf ), relying on their lowest rate guarantee policy. This policy states that customers are eligible for a price match if they find a lower rate on an external website for the same hotel, same dates of travel, room type, and number of adults and children. This policy was confirmed by XXXX official Amex sources, as evidenced by the attached documents labeled " LRG_TravelAgent, '' " XXXX, '' and '' XXXX. '' Subsequently, I found a lower rate for the exact same hotel, same dates of travel, room type, and number of adults and children on external website ( see LR_external ) However, when I approached the Amex XXXX team to request a price match, they declined, citing a cancellation term discrepancy that was not mentioned in any of the aforementioned trusted sources. Furthermore, the external website offers a free cancellation policy, which is more favorable than Amex 's nonrefundable policy. This discrepancy in cancellation terms was not communicated tome prior to making the reservation through Amex, and it has resulted in a financial loss for me. I am requesting the CFPB involvement to urge Amex XXXX to rectify this situation and honor their lowest rate guarantee policy as stated on their website. Their failure to do so not only affects me but also demonstrates a disregard for customer satisfaction and fair business practices. Attached to this complaint are copies of all relevant documents, including confirmation of my reservation with Amex XXXX, evidence of the lower rate found on the external website, and communications with Amex XXXX regarding the price match request. I appreciate your attention to this matter and look forward to a prompt resolution
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I received an email from Capital One about a new card upgrade. They hit my credit, dropped it XXXX points, and I was sent the same card I already had. I had a XXXX balance with a line of credit for {$5000.00}. They did a hard pull as an existing account holder, to then send me the same card with a line of credit for {$1000.00}. Why would anyone want to do that?
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (CO)

On XX/XX/2023 I was notified by my business bank where I cashed a final escrow check for {$310.00} that they were deducting this amount from my account. I was paid the money at first but then notified that XXXX XXXX XXXX  did not honor it and that the amount paid was being deducted back from my account which did occur. I have called and emailed numerous times and was told a new check would be issued after I sent my bank statement showing the deduction did occur. They will not respond, and I have never been paid the {$310.00} that I was due upon closing out the mortgage with Fay servicing. 
Everyone blames a different department, and nothing gets down. Now that I have paid off m mortgage I get ignored and they hope that I go away and that they won't have to fulfill this small obligation. Worst customer service that I have ever dealt with as the pretend to want to help but never honor their word an obligation. When I was paying them 10 's of thousands of dollars a year they were responsive!!!
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (OH)

They called me XX/XX/XXXX said I owed debt, I requested a letter with details about it, ways to pay, 30 day notice, said they would, never received it, they never said name of XXXX, figured it out, called requested email w/debt details, XX/XX/XXXX, never received email and they've already reported to credit bureaus XXXX  XXXX `` Revco Solutions '' .
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I'm the XXXX of a non-profit XXXX media company that produces educational films. XXXX of our donors let me know of their intent to send a $ XXXX contribution to help promoting our current project.They has made grants to us before, but this time they wanted to send the money thru a well-known donor advisor group. On XX/XX/XXXX that organisation, rather than send us a check, let me know they preferred to wire the money direct to our bank account here in XXXX, so I provided them the direct deposit routing number and our checking account number. 

A couple days later I got a call from the XXXX XXXX asking if we received the moneywhen I let them know that we did NOT receive the deposit, they asked me to confirm our bank information and reminded me that I had sent additional emails asking themto instead wire the money to a Wells Fargo bank in XXXX XXXX they did. 

I never wrote any such emails bot have we ever has an accoutre with XXXX XXXX the hacker / thief is, somehow used my email address to provide the XXXX XXXX XXXX with the Wells Fargo bank address, along with that its routing number & the number for a fraudulent account they successfully set up at Wells Fargo using our business name. The XXXX XXXX XXXX is aware of what happenedthey 've sent me their email correspondence with the thief along with the Wells Fargo bank 's wire transfer routing number and the fraudulent account number that was set up. 

Of course Ive contacted Wells Fargo about this and apparently theyre looking into it but they could not seem to answer my question as to how the account was set up or whether they verified the information given by the fraudulent party.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BETHPAGE FEDERAL CREDIT UNION (CT)

In accordance to the Fair Credit Reporting Act, This creditor has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (OH)

I dont know where to begin they wont soeak to me since im not the administrator of the estate im a heir who lives in the home and havent been properly address other then my sister who changed all letters sent to the home and stands to inherit and I get nothing and I want to save my home!!! I cant get no help I dont know what to do I had a attorney and they havent helped me at all!!! I lost everything to a fire on the property and the insurance check was also distributed to the adminstrator and those were my things!!! I dont wan na be homeless can someone help
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXI XXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$410.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
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. (OH)

I noticed multiple unauthorized inquiries on my report. 
According to the FCRA ( Fair Credit Reporting Act ) legally these unauthorized & unverified items MUST be removed. All of the inquiries are unauthorized & unverified. I also NEVER gave you guys my written or oral consent to report any of this information on my report.
Consumer complaint received 2024-04-12
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)

I am writing to express my continued frustration to follow up regarding the presence of fraudulent items on my account, despite my previous attempts to address this issue. This letter serves as my second formal complaint regarding the matter.

Despite my previous correspondence and efforts to rectify this situation, the fraudulent items remain unresolved. I have taken all necessary steps outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation.

I urge you to escalate this issue internally and allocate the necessary resources to conduct a thorough investigation into these fraudulent activities. Additionally, I request regular updates on the progress of resolving this issue and expect transparency regarding any findings or resolutions reached.

Failure to address this matter promptly and effectively will leave me with no choice but to explore alternative courses of action, including seeking assistance from relevant consumer protection agencies and legal counsel. With this, I am asking for your assisstance to remove these fraud items in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BalanceXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TN)

XXXX Customer service representative was very rude. I explained that I had a pending Business Amazon Account and it wrong bottom on Amazon of a credit card. There was no sympathy from XXXX. XXXX and XXXX understood and filed a dispute. I have experience the same with Chase card in the past and said I would never get another card. I did not need the card accident in error hitting the wrong card because I already have a Chase XXXX card. I wanted to report to the Consumer Finance Bureau of my horrible experience of the misunderstanding from XXXX. I am still waiting on the pending approval from Amazon Business Card although I hit wrong button for the Chase card that was denied and caused my credit score to decrease XXXX points. I want my XXXX points back on my credit report due to the card was hit by button in error. 

Amazon, Chase or XXXX was not able to help me.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3700.00}. Please remove this account immediately.