davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC (NJ)

Myself and my husband signed up for a debt settlement program through freedom debt relief, and was assigned to the Law Offices of Robert S. Gitmeid & Assoc. who were providing the services. I have paid in approximately $ XXXX since XXXX and have been contacted on 2 different occasions asking for an extra payment to cover a great settlement offer that they received for me. After the latest call asking for an extra payment on XX/XX/2024. I became curious as to the status of my account, as I had never logged in before. I was able to access my account online and immediately noticed that my account balance was at XXXX. That seemed very strange to me, as I know Ive paid in a lot of money. I wasnt aware exactly how much at the time, until I started calculating everything. Thats when I noticed the extremely high fees that I was being charged. Even before the accounts are even paid off. On one of the accounts that I calculated XXXX ), I was actually going to end up paying more then what I initially owed, between the settlement and their fees. The whole point of doing this program is to save money and get out of debt and I feel like Im being taken advantage of. Especially in my situation, where my husband is a XXXX vet who is no longer able to work and we are working with 1 income. I asked to cancel the program and be refunded, but was immediately told that they dont refund ANYONE and that I actually still owe them money, {$800.00} something dollars to be exact. This is very scary that companies like this can just take advantage of people in desperate need of help. I ask that someone please look into this matter, thank you.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Not a complaint its a plea for loyalty for loyalty. I have been with XXXX for almost 30 years. i have a charge i made that is a JOINT bill and i have to take someone to court to get it paid and me paid. I have paid what i can. i am asking for the interest to be WAIVED for 3 months until i can get the money based on my good record. I know as of the writing of this no interest has been assessed but it will be shortly. PLEASE consider this based on my excellent record and excellent long term payment history with Citi. Card ends in XXXX Just 3 months. I have written in to Exec customer service with no response.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I have been on hold with Ally for over two hours. I was hung up on four times after waiting over 30 minutes each time. They want you to call in to get help but I can not go through this any more. I was told Ally would help me with some sort of payment assistance. I can not stay on any calls because I keep getting hung up on and then the new rep doesn't know what the first rep was doing and I get put on hold and then hung up on consistently. I am very disappointed in Ally Financial. The rep for the CFPB complaints told me about this supposed relief program but you can't get a hold of ANYONE because you keep getting disconnected. The rep for ALLY that handles the CFPB complaints was certainly condescending and didn't offer much by way of who EXACTLY I could reach and did not offer any extension that I could call. I have tried for TWO hours to make arrangements so that I could catch up my account. I believe the rep for the complaints lied to appease the CFPB and does not really care about whether you can keep your car. I do not believe they want you to get through and do not care if you actualy speak with someone. I am going to speak with the Attorney General 's Office in Virginia and let them know that Ally should be considered a predatory lender and not be allowed to offer loans in the state of Virginia. They should be considered predatory and on the same level as check cashing and installment loan places.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I received alerts on my credit of a collection of accounts that supposedly I owe and it was open on XX/XX/2023 I call to find out what company it was and they said it was XXXX I never had a XXXX account I just wanted this off my credit
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-03-06
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. (CA)

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

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 2023-03-03
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: Experian Information Solutions Inc. (PA)

The credit reporting agencies continue to report incorrect information on my consumer report. The addresses, the names, the phone numbers, and the personal statements are NOT accurate. I have been a victim of identity theft, I have submitted the report, and the CRA 's will NOT remove the information and will NOT report the correct information. I am submitting a copy of Affidavit, current drivers license, and a copy of the misrepresented information that Experian has on my report. It is a PURE disgrace for lenders and creditors to depend on the agencies, yet their information isn't factual. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that the CRA 's have reported inaccurate information. This inaccurate information is unfair to me because I was never notified when the inaccurate information was furnished, and I was never notified that they were going to report this incorrect information. This grave error has undermined my confidence in the CRA 's procedures.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (OH)

Consumer adjustment company has never sent to me any correspondence ( written or phone calls ) regarding the alleged debt that showed up on my XXXX  credit report on XX/XX/2020. I sent a dispute to the credit bureau on that day online and mailed a certified letter to Consumer Adjustment company on the same date requesting validation of the debt and the right to collect for alleged debt. The letter was delivered and signed for on XX/XX/2020. The alleged debt was then added to my XXXX  credit report on XX/XX/2020. This company is in violation of the FDCPA the debt was not validated within 5 days of the initial contact which was the entry onto my XXXX  credit report, because there was no other communication emailed or mailed to me. There also has been no documentation to validate the debt since the receipt of the certified letter but continued collection efforts on part of Consumer Adjustment Company. After submitting this complaint my next step will to be to file a formal complaint with the Consumer Financial Protection Board.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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


XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX XXXXXXXX -Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ), on XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. These accounts are not reporting 100 % accurate so it is deemed INACCURATE. Please delete this account immediately. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2024 - This inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 - his inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 Total of XXXX inquiries on my credit reports
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/23, I mailed a letter to TransUnion requesting an investigation into a negative mark on my credit report from XXXX XXXX XXXX XXXX XXXX  ( see Exhibit B ). 

In my letter I requested that TransUnion provide evidence that proves the accuracy and completeness of this XXXX mark ( Exhibit B ). 

Here is the excerpt ( see Exhibit B ) : -- -- -- -- -- -- -- " Please provide Payoff disclosure, Interest rate disclosure, Balance history, Payment history, and Credit insurance. 

Im also requesting that you guys send me some kind of proof of this item like a note, contract, or a document from the creditor bearing my signature. 

I read that federal law requires your investigation to be completed within 30 days and Im also requesting a description of the procedure you used to complete the investigation within 15 days following its conclusion. 

Please investigate and make all corrections immediately. I have included a copy of my drivers license and social security card to prove my identity and address. " -- -- -- -- -- -- -- TransUnion 's response did not include any evidence and I still believe this XXXX mark to be incomplete or inaccurate. 

Specifically, I believe the following information is incorrect : 1. Date opened 2. Loan type 3. Balance 4. Payment received 5. Last payment made 6. High balance 7. Original charge-off 8. Credit limit 9. Past due 10. Pay status 11. Date closed 12. Responsibility ( I don't think this is my INDIVIDUAL account ) I think the delinquency status reported in inaccurate too but I can't even address that part until TransUnion shows me where this data is coming from.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> PORTFOLIO RECOVERY Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
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. (SC)

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX & XXXX XX/XX/XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion should not be reporting that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Consulting Services, Inc. (VA)

To Whom it May Concern : On XX/XX/XXXX Credit Consulting Services sent various documents that I requested as they pertain to a debt that is in collections from XXXX XXXX in XXXX, California for {$240.00}. I requested these documents because I do not understand why the said amount is being charged to me from Credit Consulting Services and XXXX XXXX. This charge currently stands at {$260.00} on my credit report and that includes interest being charged by Credit Consulting Services. The documents that were sent to me on XX/XX/XXXX still do not explain the balance due. They show charges, payments, and balances of various amounts. For example, one document shows a proration amount of {$330.00}. Others show proration rates of {$240.00} and {$290.00} respectively. I was never sent a bill that is itemized and includes details of what I am specifically being charged for. This schema repeats in other miscellaneous documents that were sent in the packet. Again, is not clear what that charge that is in collections specifically represents or addresses. As such, I have communicated with Credit Consulting three times requesting a document that itemizes what the {$240.00} is specifically for. As of XX/XX/XXXX, Credit Consulting said that XXXX XXXX had 3 days to send them the requested documents. However, on XX/XX/XXXX I received a call from Credit Consulting stating that they would not send me the information, that they didn't have to send that information to me, and that they didnt have my address. I asked the person on the for assistance in understanding all of this and they noted that they hadn't looked at the documents themselves. This has been audio recorded by Credit Consulting. After every attempt to obtain the itemized bill the collector hung up on me. I am also disputing the fact that they did not have my address because it is clearly printed on all of the documents that they have sent to my address thus far. At this point, a charge has been in collections for over 6 months and I have put forth every effort to obtain a final and itemized bill in order to address the charges, yet I am being refused this information. It is now impacting my XXXX credit report. 

Also important, there is a document in the original packet of information that was sent that includes a copy of the move-in/move-out documents that are related to the charges from XXXX XXXX. I am being accused of leaving the apartment in a condition that is different from when I moved in. One that is damaging. The document that I received is mostly illegible but it supposedly substantiates that claim. And the final page of the form has my name filled in in the signature field. That is not my signature. 

Due to the fact that Credit Consulting is refusing to provide documentation that itemizes and rationalizes the charges I am lost as to where to go next.