davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: ALLY FINANCIAL INC. (CA)

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have Child Support with ALLY FINANCIAL INC . I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
Consumer complaint received 2019-07-10
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: Innovis (GA)

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

After Equifax lost over 140 million people 's sensitive data, I place a freeze on my credit for this bureau. Since then, I've had a very difficult time having my freeze lifted. Earlier today, I attempted to open an account in order to purchase a new XXXX at an XXXX XXXX. After calling Equifax, and confirming all of my personal information, I was told that I'd need to mail into them a copy of my driver 's license and social security card. This is unacceptable. Equifax is holding my personal data XXXX. I'm essentially unable to now purchase anything because of Equifax 's outrageous and uncalled for shutdown of my credit report.
Consumer complaint received 2019-05-01
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. (CA)

Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F&M Capital LLC (NC)

I received several voice mails from F & M Capital in the past few weeks discussing a debt they claim I owe and threatening that legal action would be taken. I have never received any written communication from them and my voice mail greeting does not state my name. Today I received a voice mail from them claiming that I had been writing bad checks and threatening me with jail time. I do not write checks and again, my voicemail greeting does not reveal my name in any way. Today they also called my father and left him the same voicemail, claiming that I wrote bad checks and could serve jail time and to have my attorney contact them. I have not contacted them or answered their calls because of the legal threats. If they intend to take me to court for some debt, they need to contact me in writing and not discuss private business through voice mail and with third parties. The number they called from this time was XXXX.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I called Capital one back in XX/XX/2019 to make arrangements for my account balance as I am XXXX and can no longer work.In addition, my husband was laid off temporarily from his jon at the XXXX due to the shutdown. There website said they have programs to help, so when I called them on XX/XX/2019 they said they would enroll me in a hardship program, and as long as I made the minimum payment every 30 days by my due date, they would report favorably to the credit bureaus. I made my payment each month before the 30 day mark and they randomly report my account past due for months it has not been. I have escalated this so many times and they say there is nothing they can do to help me and they clAim they can not find the call, even though I have given them the date many times. They refuse to honor their payment arrangement. I even tried to enroll in debt management since they refuse to honor the arrangement and they denied it saying I can not participate. At this moment they have denied all attempts I have made to pay and refuse to keep their own word to honor their arrangement. I am looking for an attorney to help me in this matter. I would like for capital one to update my credit report for reporting me late when I was not for XX/XX/2019, XX/XX/2019, and for some reason now XX/XX/XXXX and XX/XX/2019. Their corporate is no help and doesnt help, but says sorry there is nothing we can do to help you, go file bankruptcy.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third sent me a letter saying that my property insurance expired and instructing me to submit proof of insurance. They dated the letter XX/XX/XXXX, which is the actual date that my insurance policy expired and was renewed. My insurance company renews the insurance every year, and their notification specifically states that they will notify the mortgagee if they do not renew the policy. I believe that the insurance company additionally sends notification of renewal to Fifth Third every year, probably on XX/XX/XXXX when they renew it. 

My complaint is that it's inefficient and bothersome for Fifth Third to send me the same letter every year on XX/XX/XXXX, without even giving the insurance company a few days to send in the mortgagee the renewal notification. Additionally, Fifth Third knows that I've renewed the policy every year and that my insurance company can easily provide proof of renewal directly. Third, the insurance company has promised to send Fifth Third notification if I fail to keep insurance in force. Fourth, most mortgage companies have sophisticated communication systems with major insurance companies ( like mine ) and can more efficiently verify insurance by contacting the insurance company. This is often done with direct communication links and doesn't require anything out of the ordinary. Fifth, before Fifth Third became the servicer for this same mortgage, there was a different servicer who did not engage in this wasted effort. 

It is simply a waste of time and effort for everyone for Fifth Third to send the letter to me on the renewal date instead of waiting ten days or so. It wastes my time locating proof of insurance from my insurance company and sending it to Fifth Third. It wastes my insurance company 's time and energy providing the proof of insurance to me even though it was already provided. It wastes Fifth Third 's time in reviewing my proof of insurance this way even though it would be more efficient to do in another way.

Fifth Third 's servicing procedure could easily be changed to wait ten days and then see whether or not my insurance company sent notice. Alternatively Fifth Third could easily contact my insurance company or safely rely on the insurance company 's agreement to notify them if the insurance policy does not renew.

Instead, Fifth Third sends me a threatening letter indicating that they will buy insurance on the property unless I provide proof of insurance immediately. This is just not a reasonable use of everyone 's resources. Also, the threatening letter is unnecessarily harsh and demanding, particularly since they don't even wait ONE day after renewal to allow time to receive proof of insurance.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

The dentist office I went to had me apply for carecredit to cover dental procedures.I was told that I was qualufied and will have enough time to pay for a balance of XXXX thousands..After a year, care credi synchronic Bank, added almost XXXX thousands dollards interests on it, now my monthly balance is too high and every month they keep.adding XXXX interest on it..I was never told that what they will do.I understand late fees, but this shady disclosures or non, I did not expect.I tried to explain it to them, they won ', t hear it and harrassing me with phone calls, reported it on my credit and damaging it.They knew that you could never have enough time to pay the full balance on time, so they can add exhorbitant interests on it.This is fraud.Please help.
Consumer complaint received 2019-07-10
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. (CA)

In XX/XX/2017, after receiving endless mail from XXXX XXXX  regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Consumer complaint received 2019-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2017, after receiving endless mail from XXXX XXXX regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.
Consumer complaint received 2018-02-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (CA)

Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no  reason. None.
Consumer complaint received 2019-07-10
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. (CA)

XXXX  score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX  ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

This apartment complex charges wrongful fees and I disputed with the manager. She tried to get me to resign my contract and when I refused I was charged all of these outrageous fees when I moved out. Then the manager would not and did not respond to any of my emails or phone calls after I moved out
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

XXXX XXXX XXXX XXXX, is trying to attempt a fraudulent debt, which XXXX XXXX XXXX XXXX, is well aware I do not owe. XXXX is claiming I owe them {$580.00}, when in fact, XXXX owes me {$980.00} for unreturned rent monies, and unreturned security deposit monies.
Consumer complaint received 2019-09-20
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX  XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello. 

I posted my resume on XXXX, which is a translation job offer website. 
On XX/XX/XXXX, I got an email from a guy named XXXX XXXX. He offered me a translation job and I accepted it. He asked me to send him a proforma invoice and I asked him {$1000.00} for the work. On XX/XX/XXXX, I got the check in my mailbox. He said his bank account mistakenly sent {$2100.00} so send him {$1100.00} back. 

On XX/XX/XXXX, I deposited the check into my checking account at Navy Federal in XXXX, FL. It was deposited instantly so I thought the check has no problem. I never thought a bank would deposit without checking if the check is true. I asked him how I can send him the surplus and he said XXXX, and I sent {$1100.00} on XXXX. On the same day, my accounts and cards were hold by navy federal. I filed a complaint to navy federal and XXXX right away. but the next day Navy emailed me as following : We have investigated your {$1100.00} debit card claim against XXXX XXXX   XXXX XXXX XXXX We found that no error occurred and we are unable to process the claim in your favor for the reason specified below : Once a funds transfer is requested and completed, the service has been rendered in full. You will need to contact the recipient for reimbursement directly. 
As of the date of this notification, your dispute claim has been closed. 

I had some amount of money on my saving account but I was told I have to pay the negative balance to have an access to my own account. So I did, because I needed the money on my saving account. 

Doesn't bankers have responsibility to check if a check is good before deposit? 
Doesn't Navy Federal have a responsibility about depositing a fake check? 
Is it even legal to hold my saving account which was irrelevant and made me pay to have an access to my account again? 
Is there anyway I can get my money back? 

Thank you so much in advance.
Consumer complaint received 2024-04-10
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. (MD)

XXXX is reporting on my credit a debt that I do not owe {$1700.00}. I never opened an account with them or XXXX  and the credit bureaus have failed to provide or remove the erroneous information from my report. 

XXXX XXXX XXXX is reporting on my credit a debt {$1700.00} that I do not owe I never opened an account with them or gave them any information and do not owe this debt. The credit bureaus have failed to provide or remove the erroneous information from my report.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA HAS BEEN NOTIFIED OF THESE ISSUES FOR YEARS AND REFUSES TO CORRECT THE PROBLEM. I HAVE REPLIED TO THEM NUMEROUS TIMES AND THEY CONTINUE TO IGNORE THE ISSUE AND DO NOTHING. THIS WAS REMOVED FROM MY CREDIT FILES AND RECORDS AND THEN THEY SOLD THE ACCOUNT AND VIOLATED NUMEROUS LAWS AND LIED THAT I NEVER DISPUTED THIS ACCOUNT. I HAVE FILED NUMEROUS COMPLAINTS AND THEY HAVE NOT BEEN HELD ACCOUNTABLE FOR THESE VIOLATIONS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND NEED TO BE REMOVED ASAP BANK OF AMERICA CEO HAS BEEN NOTIFIED OF THIS ISSUE AND STILL DFOES NOT ONE THING TO MAKE IT RIGHT
Consumer complaint received 2024-05-06
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. (CA)

Recently saw my credit report & saw unauthorized credit inquiries. XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX 2023