davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OH)

As of XX/XX/2022 at XXXX est. ALLY, ALLY FINANCIAL INC.has violated my consumer rights. Not only has a cease and desist letter been verified of being recieved by corporation or corporation agent via U.S postal mail service on XXXX XXXX. I requested documentation of debt validation, as well as other documentation that was never recieved. ALLY, ALLY FINANCIAL INC PROCEEDS TO VIOLATE MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES AS WELL AS TILA FULL DISCLOSURES AND MUCH MORE. ALLY STATES THAT NO PAYMENTS HAS NOT BEEN RECIEVED SINCE XXXX OF XXXX XX/XX/2022 OR XX/XX/2022. XX/XX/2022 On a recorded line spoken with an agent to help with matters and make sure account status was accurate under the COVID CARES ACT. I was told that doesnt apply to them as well as they would provide a curtesy of account ending in and paperwork would be sent via mail to me. All payments sent to ALLY ALLY FINANCIAL INC. was sent via US Postal mail service certified with tracking and return slip. I was informed during the call that no payment was recieved and the informed we take XXXX XXXX XXXX XXXX etc or bank draft. I refuse to give them access to accounts. During this dispute I stop allowing them access to my account so once my cease and desist letter came about ALLY proceeded to restrict my account access causing stress and extortion of payment. According to 18 usc 894 is in deed in violation. As well as included I never gave consent to ALLY TO FURNISH A NEGATIVE REPORT ON credit reporting agencies as they have marked derogatory comments and fraud on all account status. This has cause me so much stress all because I requested documents of contract validation of debt. 
On XX/XX/2022 ALLY ALLY FINANCIAL HAS REPOSSESSED PROPERTY OF ( CONSUMER T ) and has stated that they repossessed due to non payment. I have proof that payment in fact sent and receive they continue violated my rights according to 18 USC 891/894 extortion of credit this has hit the ultimate stress and I will hold them criminally liable for violations as well as pain and suffering it has caused. ALLY FINANCIAL INC according to 15 USC 6802 violation of sharing my personal information with third parties As well as invasion of privacy 15 USC 1692 15 USC 1681 FAIR CREDIT REPORTING ACT RIGHT TO PRIVACY 15 USC 1691 EQUAL CREDIT OPPORTUNITY ACT DISCRIMINATION 12 CFR 226.23 RIGHTS TO RESCISSION 15 USC 1692 ( e ) FALSE AND MISLEADING DECEPTIVE PRACTICES
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am disputing this account with Bank of America for the three reasons listed in the attached document. ( Account # : XXXX ). There is no account number present, just XXXX, and I do not have any documentation in my possession to cross-reference the information or verify anything that they are reporting. After each dispute, someone BOA continues to " verify '' this item, which I do not understand how, with the inaccurate and incomplete reporting, which I have further detailed in my attached letter. This company has been furnishing this account onto my credit report for quite some time, and has caused me an immense amount of stress and mental anguish, as well as financial loss. I have no idea what this account is and I can not identify it. I have requested documentation from them on numerous occasions, which was never provided to me. The company also has not responded to me in any capacity, and due to their actions, deserves immediate and permanent removal from my credit report
Consumer complaint received 2017-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XXXX XXXX,2016 are vehicle was totaled, the total payoff was {$8200.00}. On XX/XX/XXXX our regular payment came out of our account for {$350.00}, we had automatic payments set up from the beginning of the own. At the end of XX/XX/XXXX our insurance paid {$7600.00} and our GAP Insurance paid {$640.00} in XX/XX/XXXX. On XX/XX/XXXX another payment of XXXX came out of our account. Between car insurance and gap insurance the car was paid off. The loan company sent us a check for {$280.00}. The loan company owes us for two full payments that would be {$710.00}. I spoke with loan company on XX/XX/XXXX and the lady said she would put in for a 5 day request to review my dispute. I called back on XX/XX/XXXX and was told it was up for audit on XX/XX/XXXX. I called back on XX/XX/XXXX and now they are saying it is up for audit on XX/XX/XXXX and it would take another 21-30 days. To me it is simple add and subtract but they keep dragging it out.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (VA)

On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022. 

On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX  at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment. 

Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work. 

The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing. 

I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site. 

At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (OH)

Accounts from Barclays, XXXX, XXXX, XXXX all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo continues to engage in unfair and illegal banking practices against their customers and small businesses. They continue to place holds on funds and overdraw your account against the funds they placed on hold and charge you a { {$35.00} } overdraft fee. Then they claim your paper deposit checks are placed on hold and only allow certain amounts of the funds to be available sometimes XXXX hours or as long as 10 days. It's a harmful cycle to consumers that they continue because they make money on the overdraft. When it comes down to deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. Have the transactions pending for days before they clear so the balance of account was never accurate When you know more funds where in the account This is an illegal practice that Wells Fargo has been doing for years and get caught and called out they just end up paying fines and it continues. I have been a customer with them for 4 years both personal and business and if I were to add everything up over the period they would likely owe me thousands of dollars in money they stole from myself and my business. Wells Fargo deserves more than being able to get a slap on wrist pay a fine and act like this never keeps occurring Someone should go to jail.
Consumer complaint received 2023-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (FL)

They let somebody deposit checks into my account which caused me to have to close my account and I was accused of fraud and I showed them proof that it wasn't me and whoever was doing it had my information and my work information and they were accepting checks through them and I was at fault and they close my account
Consumer complaint received 2023-02-16
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MD)

I am writing to inform EarlyWarningService that a p

olice report detailing unauthorized activities on my consumer report is attached herewith. The attached report clearly identifies hard inquiries, accounts, and addresses that are not associated with me. Pursuant to the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) policies, I assert my rights to accurate and verifiable information on my credit report. The inclusion of these unauthorized items on my credit report not only compromises my creditworthiness but also violates the FCRA, which mandates that consumer reporting agencies ensure the accuracy of the information they report. In accordance with CFPB policies and guidelines, I demand that EarlyWarningServices conduct an immediate and thorough investigation into the inaccuracies and discrepancies identified in the
attached police report. I expect EarlyWarningServices to adhere to the timeframes and procedures outlined by the FCRA in resolving disputes related to inaccurate information on consumer credit reports. It is imperative that EarlyWarningServices rectify these errors promptly to maintain the integrity and reliability of my credit report, as well as to comply with federal regulations governing consumer credit reporting.

Also, see attached dispute letter, drivers license, utility bill for verification purposes.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent items. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of these items or having the credit bureaus contact me about the problem. Here are the issues that bother me : XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a written request to the credit bureaus to block or remove all erroneous and fraudulent item. However, the request was never granted, and no feedback was ever provided by the agencies involved. Now, I'd like to ask for your assistance in getting rid of this item or having the credit bureaus contact me about the problem. Here is the issue that bother me : XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (NJ)

LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according  to FTC.
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (SC)

XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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
Consumer complaint received 2023-08-14
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. (PA)

this account report late payment : Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$47.00} Credit limit {$1800.00} Highest balance {$560.00} Terms - Payment history XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days Payment history guide 60 days past due as of XX/XX/XXXXXXXX XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 
Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional infoBetween XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1800.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Louisiana Recovery Services Inc. (LA)

Repeatedly has called my place of employment. Was told on several different occasions that they were not to call me at work by the managers. Lady told the manager that I owed her over a 1000 Dollas and she needed it paid today. Was very rude and aggressive toy employers and shared embarrassing information.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

MY MORGAGE WAS SOLD TO ANOTHER MORGAGE COMPANY Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX WE WERE SUPPOST TO DO BY WEEK PAYMENTS AS PER AGGREEMENT WITH OUR OLD MORGAGE COMPANY XXXX ... THE NEW MORGAGE COMPANY WILL NOT COMPLY WHITCH IS SELECT PORTFOLIO ... I HAVE PAPER WORK FROM OLD MORGAGE COMPANY .IT KNOCKS DOWN INTEREST BY PAYING BY WEEKLY ....
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax is re aging a collection account purposely causing my credit score to go down. I do not even own this account and I have disputed this with Equifax several times. Not only are they re aging they are falsely reporting.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

I fell victim to two multi-layered scam operations run by a person claiming to be from XXXX informing me that someone had been using my card which involved me making deposits for a total amount of XXXX USD from my TD account to fraudulent investment firm ( s ).
Consumer complaint received 2023-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In XXXX, I took out a private loan for {$25000.00} through Sallie Mae. After deferments and switching to Navient, my loan went up to {$41000.00}. It doubled. I have called and spoken to Navient about the unfairness and illegality of this, and have had no luck. I understand accruing interest, but doubling a private student loan after 1 year in college is illegal. Currently, my payments are up to {$450.00} a month. I have called several times to get them lowered, to which they tell me I don't qualify for lower payments. I am a XXXX in an underpaid district, who also has federal student loans. I am also a mother of XXXX. I am struggling to get by. 
According to the Navient lawsuit settlement involving private loans, I should qualify for some forgiveness, if not all. 
1. My private student loan was issued by Navient or its predecessor, Sallie Mae. 
2. My student loans must have been disbursed between XXXX and XXXX. 
3. My student loans must have been delinquent ( behind on payments ) for at least seven monthly billing cycles prior to XX/XX/XXXX. 
4. I live in New York, which is a qualifying state. 

I am extremely upset and do not know what else to do. My next step is to seek legal counsel.
Consumer complaint received 2020-03-31
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. (TN)

This account showed up on all 3 reports I have sent all the info to have it removed and XXXX  and XXXX  deleted this but equifax will not.Pls Help I have disputed and filed a police report and its still there.Can someone pls help me
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (WA)

Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.