davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: GLA Collection Company, Inc. (TN)

I found a company called GLA Collections on my credit report around the first of XX/XX/2022. It was for the amount of {$1000.00}. It was medical in nature. I never received any previous bills for this amount, nor any mail correspondence from this company. I first checked with my hospital and they do not have any record of a missed bill for this amount. I called GLA and they sent me a generic computerized " bill '' for the amount they say I owe. I sent back a letter from the Fair Credit Reporting Act asking GLA to send me an itemized bill from the original creditor, with my signature, and for the services rendered. I sent this letter certified mail on XX/XX/2022. GLA 's response was a duplicate generic computerized bill with only their name and the amount owed. I have had a credit repair agency working to help dispute this collections, but now a year later, GLA has still not removed it from my credit report. This is the only blemish on my credit report and is keeping me from getting needed financing for a new business.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXX XXXX XXXX XXXX  account, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
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 XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXXXXXX XXXX XXXX XXXX account, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-06
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: Bridgecrest Acceptance Corporation (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DE)

I was subject to identity theft fraud. I have had bank accounts opened in my name. Multiple apartments were applied for in my name. Unemployment from various states was applied for in my name. I am still having ongoing issues with this regarding banks and various other apartment buildings in XXXX I only now am starting to get alerts as to how many various ways my details have been used. Please remove the apartment collections it from XX/XX/XXXX. I saw certain inquiries on my report but didnt really pay much attention to them as I thought my details had been sold on to a third party. Please remove any fraudulent inquires from XXXX to XXXX. I have requested a copy of transaction records from each account and inquiry listed and have received nothing from any of them and it has been well over 30 days despite the requirements set out by the FDCPA.
Consumer complaint received 2018-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK (FL)

For 7 years I previously had two 10 year CDs with DIscover Bank ( opened XX/XX/XXXX and XX/XX/XXXX ) and received a " Welcome Letter '' and " Account Agreement Disclosure '' via XXXX several days later for each. I was fully aware of the 9 month interest penalty associated with early withdrawal. 

I opened a 3rd CD in XX/XX/XXXX. via electronic signing. I did not receive a " Welcome Letter '' nor an " Account Agreement Disclosure '' for this 3rd CD. A reprint of the welcome letter ( attached ) was requested and received about two weeks ago. 

I have withdrawn ( early ) all money from CD1 and CD2 and willingly paid the 9 month cancellation fee. I have tried to dispute the outrageous 24 month cancellation fee, {$2200.00}, for CD3 but could not. As a result I have also withdrawn ( early ) all money from CD3 and reluctantly paid the 24 month cancellation fee. 

I was not advised of the ridiculous 24 month penalty prior to opening this 3rd CD.
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

i received a text message saying your bank account ending in XXXX will be credited by manual XXXX  transfer kindly corporate with the accounts team in order to start the verification procedd reply with your name and billing address i thinking because they knew the last 4 digits of my account number the text was legit they stated i will be getting a credit from XXXX XXXX from XXXX in the amount of XXXX they requested me to do a demo transaction of XXXX  to XXXX using XXXX  they then said your account is suspended they also gave a name of XXXX XXXX address XXXX XXXX XXXX XXXX fl XXXX account XXXX routing number XXXX he insisted the only way i would receive the money back was to cooporate with them
Consumer complaint received 2021-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2022-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I have been making online payments for my mortgage since opening an account with the money source. Directly after making a payment the money source send notification confirming that a payment has been processed. Today for the first time in history with this company. I received notification in the mail stating that my payment was returned for nsf and since this has happened multiple times. I now have to send certified funds. 

I contacted the company to try and rectify this issue. And was only met with argument from the manager and customer service agent. According to him their system shows that I was notified. However when logging into their system there is no record of such notification on my side. I am attaching a copy of the letter received in both email and online. As well as a screenshot which shows all documents and communication from the money source received to date. The issue is that certified funds and wire transfers are a huge inconvenience and will cost me additional money. We are currently in an economic crisis. And the company is penalizing me for their lack of communication and poor customer service.
Consumer complaint received 2021-09-14
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. (TX)

XXXX XXXX account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account opened.
Consumer complaint received 2018-04-13
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION (PA)

In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( XX/XX/XXXX ).
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022 I received a notification from my XXXX Credit Report that I have a new auto loan through CAPITAL ONE AUTO FINAN. On XX/XX/2022 I sent CAPITAL ONE AUTO FINAN a debt validation letter in which in that letter I gave CAPITAL ONE AUTO FINAN 30 days to reply or validate the debt. In which they never did, it's XX/XX/2022 and they still haven't replied. On XX/XX/2022 I received another notification on XXXX XXXX stating that a change has been found with CAPITAL ONE AUTO FINAN account in which it stated that it was a late payment. Keep in mind that I received another notification from XXXX XXXX on XX/XX/2022 in which it states that I have paid off 15 % of my auto loan. Now in XXXX, XXXX, and XXXX it wasn't reporting anything then all of a sudden on XX/XX/2022 CAPITAL ONE AUTO FINAN started reporting falsely. In the Fair Debt Collection Practices 15 U.S.C. 1692 ( g ) ( b ) Disputed Debts says if the consumer notifies the debt collector in writing within the 30 day period described in this subsection ( a ) debt or portion of therefore, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or, any disputed portion therefore until the debt collector obtains verification of the debt or a copy of a judgement, or the name of the original creditor and address. See XXXX XXXX XXXX XXXX XXXX. Now I thought that this was what was going on in XXXX, XXXX, XXXX. Now all of a sudden CAPITAL ONE AUTO FINAN on XX/XX/XXXX, started reporting on my Credit Report without them validating the debt. It's a violation for a Financial Institution to falsely report on my Credit Report knowing that it contains a billing error. This is also violation of XXXX5 U.S.C. 6821 ( a ) # 2. How is it that these Corporations can do this and knowing know that they are reporting falsely? In my XXXX Credit Report in my account details it states in the remarks Dispute resolved; reported it by grantor. Now I don't know why CAPITAL ONE AUTO FINAN would falsely report this however this is defamation to my character and it's a violation of my rights as a Natural living human being and a consumer.
Consumer complaint received 2024-02-06
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: MOHELA (NY)

I received a letter from Mohela on XX/XX/XXXX stating Congratulations! The Biden-Harris Administration has forgiven some or all of your federal student loan ( s ) with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 
I have called Mohela several times enquiring about the timeframe it would take for this to come off my credit report and I was told that it could take up to 3 months. I have checked my report every month sense receiving this letter with no change. Customer service with Mohela can not tell me any date and keeps giving me the runaround transferring me to different departments but no answers are given. It has been 6 months and I feel that is ample time to have this issue resolved and my credit report should be updated to reflect the loan has been forgiven.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (DE)

XX/XX/XXXX is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.
Consumer complaint received 2021-12-06
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. (SC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I have a Court Order, dated XX/XX/21, appointing me Guardianship of Estate & Person for my brother, XXXX, who has been determined, by XXXX XXXX, to be XXXX of XXXX XXXX XXXX XXXX. In my role as Guardian, I applied to the Social Security Administration to be " Direct Payee '' for my brother 's Social Security and Supplemental Security Benefits. On XX/XX/21, the SSA officially established me as my brother 's Direct Payee. My next move was to apply for XXXX for my brother to supplement his care. However, XXXX requires me to list my brother 's financial status, which includes the bank account where his SSA & SSI benefits have been being deposited. I contacted the SSA, and while they gave me a Bank name, BBVA ( now PNC ), and Account Number where the funds are being deposited, they told me that it is my responsibility to contact the bank and ascertain the balance, etc ...., in the account. On XX/XX/21, I visited the local PNC bank, told them of my situation and provided a copy of the Court Order and SSA letter appointing me as Direct Payee. The lady that I spoke with did locate the account. However, the address associated with the account is incorrect. She said that all correspondence from PNC Legal would be by mail. When I reiterated that the address was incorrect, she said, " well once the correspondence is returned due to an invalid address, that they would use the address on the SSA letter ''. Go figure? When I asked when can I expect to hear back from PNC Legal, she replied cynically, " there's no way to know when you'll hear from them. I visited the PNC branch again on XX/XX/21, with no results.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXDOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Due to title 15 usc 1605 when i got approved for the finance charge i put down XXXX $ and that wasn't even needed. According to the law the car is paid off the moment i get accepted due to " FINANCE CHARGE '' law so i DEMAND this debt gets off my credit report.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AL)

Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least 5 different amounts owed and they report it every 1-6 months.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I sold goods on XXXX and put my money in PayPal, but PayPal stole my money without my permission. I have the formal invoice of purchase PayPal - negative {$10000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$10000.00} Transaction ID XXXX Seller info Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-05-26
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. (CA)

I have a credit card with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2022-06-11
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. (PA)

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions