davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Washington, DC XXXX  Ally Financial XXXX XXXX XXXX XXXX  MN XXXX  Re : Acct # XXXX  Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report inXX/XX/XXXX.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was XXXX XXXX XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XX/XX/XXXX.

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees.

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( Ally Financial ) is not a good indicator of my actual credit worthiness. I hope that ( Ally Financial ) is willing to work with me on erasing this mark from my credit reports.

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( Ally Financial ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Regards, Your Signature XXXX XXXX
Consumer complaint received 2021-04-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

The problem started in XXXX of last year, during the hardship of COVID 19 my husband lost his job and I applied for forbearance plan. Tried to catch up with mortgage payments but it was still hard, applied for Dilequency through citizens home loan and ever since nothin but a nightmare. I got approved, to add the 4 delayed payment to the end of the Morgage on the condition of me signing a notorized letter, and I sent it to citizens home loan through fax, email and mail. And then I started making my current payment on time to find out that all the payment are going into a suspended account, now I am backed up with payments I already paid and the forbearance. Called so many timers and they keep telling me there is another application I need to sign and and someone will reach out and it will get mailed but nothing happened. And whenever I call they say they reached me but I dont have any voicemails or calls. Last week they said they sent it through XXXX but refuse to provide the tracking number. It wasnt until I said Im reporting to a lawyer and Im recording that they gave me a tracking, the tracking number showed the package was sent the day and time of the call. And the threatened me to have it received and sent back and motorised writhing 6 days or my delinquency is cancelled. The money I paid didnt even go to the escrow or the taxes to the city or even my insurance. I am stuck with them and I afraid to loose my house, please help! Havent even received the letter in the first place and they told me they can even email or have me print it online.
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (CA)

I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I wanted to buy a puppy the website XXXX  ... i found a XXXX puppy i like the owner said i need to give a refundable deposit of XXXX $ to reserve the puppy, the cost of the puppy was XXXX XXXX Since this is my frist time buying a puppy i did not better. I send hik the money through XXXX to the email XXXX To XXXX XXXX and his name is XXXX XXXX. On XXXX XXXX. On XX/XX/2021, i decided i do not want the puppy and asked for the deposit back. When i did, he disappeared on me. I tried contacting the website XXXX XXXXXXXX they do not respond and the email they have keeps bouncing back. The persons email is XXXX .and the address he provided is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX United States So please let me know if you can help Me get my money back. 

Thank you
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Federal Adjustment Bureau, Inc. (OH)

I had an account reported to my credit over an issue that is still LEGALLY OPEN CASE ( XX/XX/2018 UNDISPOSED ) Case No. XXXX XXXX XXXX there was NEVER a judgement ruled over any balance, therefore this account is false and the balance is fictitious. Fabco is not even compliant with the Laws in the state of OHIO 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT ( C ) ( 3 ). I need this account removed immediately I am in contract to purchase my Home by the end of this month. 
The entire account is still in dispute in a court of Law. I will sue Fabco it this negative inaccurate account effects my closing on my home. There can not be a set balance if the XXXX County Municipal Court has NOT made any rulings. Due Process!
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (IL)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account XXXXXXXX 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 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 2019-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MA)

RE : ACCT # XXXX ==>I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear Manager ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required30 day timeframe. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-04-04
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. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-03-18
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. (NC)

In accordance with the fair Credit reporting act XXXX  account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (TX)

after reviewing an updated consumer report I have analyzed that SELF has reported a late payment of {$25.00} in which this account was to help build credit my account. This account is being furnished to a third party credit reporting agency but is violating 15 USC 1666b Timing of payments where no payment shall be deemed as late. As a result of the XXXX my finances were directly affected in which have directly affected my ability to repay, my financial reputation is being tarnished due to this account being negative. Also my rights to financial privacy and non public personal information is also affected which violates the GRAMM-LEECH AND BLILEY ACT , Fair Credit Reporting Act, Code of Federal Regulations. This financial institution is breaching its fiduciary duty 15 USC 689n
Consumer complaint received 2019-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My son discovered a fraudulent activity on his account XX/XX/2019. I am as his father listed as a signer on his account and ultimate responsible for the account. My son contacted the bank immediately and begin their process to start an investigation into the matter. We discovered during the call it was a ATM deposit in the amount of {$5200.00}. The individual ( s ) turned around and withdraw XXXX dollars cash. We thought after a 3 hour encounter with USAA representative the matter was being resolved. On XX/XX/2019 my son called to check to status and the representative stated they were still looking into the the matter. I then called and spoke we a rude lady in the " executive customer service side '', she called my son on three way and verified his account, and then went into the script that he is responsible for the money and he did it or allowed someone to get into his account. My son informed her we are 2 hours away from where it happen and he never helped or did anything to allow someone to have access to his account. At that time I asked, what is the next steps that we can take to dispute the matter as no one has contacted us since the last concern. She said, you can get a police report and then send it in, we may look at it. My son said if you may look at it that would be pointless, she then says since you refuse to make a police report you must be involved. I then said he didn't say he refused to make a police report. He is clearly stating what is the purpose if you all aren't going to look into it. The call was then disconnected. I then called back and spoke with a XXXX he says the notes are on file from my conversation with him. My son filed a police report and he is sending it in. I started looking online for similar incidents and I am finding multiple USAA student accounts are experience the very same thing and USAA is doing nothing about it beside making every person pay for the fraudulent activity. This is serious concerning and may have affected 100 's of individuals, from my hour research I have located 25 people in a 3 month frame that had experienced this. 

Police report filled : City of XXXX, # XXXX
Consumer complaint received 2023-03-18
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. (CA)

XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / 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 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 2021-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I am repairing my credit. I checked my credit on XX/XX/2021 and discovered this company on my credit file. I have no knowledge whatsoever on this company or the debt. I have not received any type of notification on this.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 my burrow defense case has been approved and both loans STUDENT LOANS TOTALING {$14000.00} DEBT AND BOTH ACCOUNTS NEED TO REMOVED FROM MY CREDIT FILES AS THEY HAVE BEEN DISCHARGED. PLEASE CONTACT ME DIRECTLY IG YOU NEED EMAIL CONFIRMATION. PLEASE CONTACT FEDERAL STUDENT AID. AND REMOVE DEBT.
Consumer complaint received 2019-04-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have these two collection accounts on my credit report from a company call portfolio recov assoc which i have never done business with. It appears those two accounts are original from two XXXX XXXX credit cards that i had more then seven ( 7 ) years ago and those accounts were charged off. Now, portfolio recov assoc started reporting both them on my credit on XX/XX/2018, one with the balance of {$2400.00} and the other {$1000.00}, they also appear on my credit as derogatory marks. The balances they are reporting are also incorrect.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (DC)

Regarding complaint numberXXXX. The company did not address the main issue : How can you lower the credit limit for all of the reasons you give and then, after the promotional period is over ; raise the credit limit back up again because on payment was made? The referenced complaint pointed out that you raised the credit limit in the past when the income was lower than it is when you decided to lower it. Your letter raising it says after making " payments '', I only made one payment. 

The credit limit was lowered after I initiated a transaction that would have qualified for the no fee " pay-it '' promotion. That is why the credit limit was lowered and that is why, once the promotion expired ; you raised it back up.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

On XX/XX/XXXX, I applied for a Pay As You Earn Loan/Teacher Sloan Forgiveness and was approved ; therefore, my payment on my account was {$0.00}. I was told that my loan would be forgiven if I worked for a Title I school for 5 years in CA. In XX/XX/XXXX Dept. Of Ed/Nelnet reported to the credit reporting agencies I was 130 days past due, which is inaccurate. I called them and they said that my loan expired and so they sent my information to the credit bureaus without notifying me that it needed to be renewed. It is unlawful to report false information to the credit bureaus. They never contacted me and when I spoke with them on the phone, the CSR confirmed that my payments should be at {$0.00} for the loan I have.
Consumer complaint received 2018-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have a HELOC mortgage with Webster Bank my payments are due on the XXXX of each month. XX/XX/XXXX fell on a Sunday I called XXXX Bank and spoke to a representative she had informed me that because XX/XX/XXXX fell on a Sunday the payment was not actually due until the following business day which would be XX/XX/XXXX and she also informed me that the two day grace period is extended to XX/XX/XXXX, so on XX/XX/XXXX I called and made a payment so that I was not late. I was informed that I was not going to be late. On the following month, XX/XX/XXXX I  called on XX/XX/XXXX again because XX/XX/XXXX was a Sunday non-business day, to make another payment. I informed the representative I would like to make a payment but I will be using a new account number for payment because my old account had been compromised so it has been closed. She said OK she took my new account number and I made a payment so that I am not late. I was informed by the representative again that payment will not be late for XX/XX/XXXX because it is extended till XX/XX/XXXX because XX/XX/XXXX was a non-business day. Well lo and behold I received two late charges for XX/XX/XXXX and XX/XX/XXXX because I was misinformed by the representatives on the phone. I called to question the late charges and was told the information the representative told me was incorrect. I also was told that because of insufficient funds my XX/XX/XXXX payment was not processed. I was told that somewhere in the shuffle of account numbers they used my old account number which had been closed to make the XX/XX/XXXX payment and that they were sorry for that mistake. XX/XX/XXXX payment was made by Webster using my new account number and I was assessed another late fee because of their mistake. So there are a total of three late payments for XX/XX/XXXX and XX/XX/XXXX. I feel as if I was misled and misinformed by Webster Bank, therefore these charges should be reversed because they are not my fault
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (MA)

I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX  XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.