davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP (CA)

It was due to unfortunate circumstances with a situation that I was a cosigner on which happened between my brother and the property management company. There was a leakage in the bathroom sink that caused the bathroom floor to flood with water causing the ceiling damage to our downstairs neighbors. The property manager blamed my brother for the bathroom damage stating that when he moved in it was in great condition, hence not wanting to take on damage costs. We tried taking it to the XXXX  XXXX  XXXX  but unfortunately couldnt come up with enough evidence to overturn the damage costs. Along with the full security deposit, they ended up charging an additional {$10000.00} dollars. It was discharged in court last year when my brother filed for bankruptcy but it still shows up on my credit.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (HI)

XX/XX/2020. Logged in successfully to my Equifax account, was able to see my credit report and credit score but was not able to permanently remove the security freeze. 

Called after hours so could not speak with a representative. Tried to answer security questions but it did not work. The questions were about loans that I have never had so all I could answer was " None of the above ''. 

XX/XX/2020. Called but the phone call was terminated after approximately 7 minutes without even a chance to speak with a rep because the automated voice system started asking a quality survey and I refused to answer because I had not even exchanged a word with someone. 

Called again and asked a customer service rep to permanently remove the security freeze. She said it is not possible by phone and I must send a letter with a copy of my Social Security card and a copy of my driver 's license. 

I said that I had the PIN number to unfreeze and she said that they do not use it anymore. I said that the PIN functionality worked very well with the automated calls with XXXX and XXXX. I was able to permanently remove my security freeze with these 2 companies in just a few minutes. 

I said there is an issue with Equifax website not permitting the " unfreeze '' option when I can access all the other information in my Equifax account. She did not even acknowledge there was a problem with that. She just kept repeating the same thing, that the request has to be sent by mail. 

I asked to speak with a manager but she said that it would not make any difference and that it would not expedite my request. 

I asked if I can fax the request and she gave the number without even confirming that it would work that way. 

She said it will take 5 to 7 business days to process my request and that I will receive a notification letter in 30 days. I checked later on FTC 's website and it says that if done by phone, the unfreeze should be done within one hour and 3 business days by mail. 

I faxed my request but after reading comments on the XXXX XXXX XXXX website, I will also send my request by mail. I don't understand why I could not permanently remove the security freeze on the website or by phone when it was so easy with both XXXX  and XXXX  in just a few minutes by phone.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I am in the process of getting a house and I have found several violations on my credit report by the credit agencies. It is my understanding that I should have been contacted within 30 days of resolution to my letters that I have sent to the credit bureaus. It has been over 60 days and I have still not been contacted. The violations that I am a victim of are affecting my personal life and goals and I demand the violations be deleted from my report.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CA)

Dear Sir/Madam : I originally went to a dentist to get work done. They stated I could finance the amount it would cost. Ally Lending sent me the agreement which in essence stated that if I paid the amount in full within 6 months, there would be no interest. 

Pursuant to the original agreement, this debt was completely paid off prior to the 6 months ( From XX/XX/2021 to XX/XX/2021, and therefore, should not only have zero interest. However, Ally will not remove interest and has even charged a late fee. While the amount they claim owed is around {$150.00} and could be considered a nuisance amount, I will not pay what I do not owe. I have sent statements and letters to the company. They ignore everything. They email, mail, call, etc. for this amount. It seems they lure the customer into their 'no interest ' agreement and then they do not abide by it and attempt to get an amount afterwards they think people will not fight. 

If they do this to enough people, they will likely and have likely made millions of dollars which they are not owed. I'm an attorney, and therefore, will not be intimidated by their tactics. However, others will and this must stop. It is fraudulent and deceptive. 

Their own initial documents have an entire section on " I have an Interest Promotion ''. This was the only reason I financed this amount through Ally. I have paid everything by XX/XX/2021, before Promotion Period i.e. XX/XX/2021. 

Therefore, the current bill that Ally keeps trying to collect needs to be credited in its entirety and I have asked for written confirmation. I have also informed Ally that If any of this is reported to any credit bureau, I will immediately dispute and contact both the XXXX XXXX XXXX and the appropriate California governmental agency for fraudulently advertising there will be no interest should the debt be paid off and then proceed to charge interest and a late fee. 

I sent same letter on your above address on XX/XX/2021 giving all facts and documents but in spite of that I am still getting reminders and alerts from yAlly, but to no avail. 

The bottom line : A. Ally lures customers in with no interest loans if paid off in 6 months ; B. Even if paid off in 6 months, they accrue interest and penalties ; C. Ally goes after customer in multiple ways to try to collect a debt that is not due. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

The Best Service Company - I was told to contact this company to request proof. I have contacted them & they have provided no information. FDCPA 809b requires this to be deleted until validate. I have requested validation and they have not produced it.
Consumer complaint received 2022-03-21
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: United Revenue Corporation (TX)

I have several medical bills that do not belong to me, they are reporting on my credit report but with a birth date of XX/XX/79 and my birth date is XX/XX/79. I reached out to the reporting agency United Revenue Corp and hospitals in regards to these accounts. The have been giving me the run around in regards.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act ; this creditor, XXXX XXXX XXXX along with Capital One has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....
Consumer complaint received 2020-02-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XXXX  Dispute RESULTS. It denies my information informing me to CONTACT USAA. I have been doing this with USAA for 2 years now ( since XX/XX/2018 ) to NO AVAIL. Reliving only destroys my heath more. I will NOT KEEP RELIVING WITH USAA ANY LONGER ** ONCE WAS ENOUGH. This also says my request was based on MATERIAL MISREPUTATION or You knowingly OBTAINED POSSESSION OF GOODS. I need to find out what information USAA   provided to prove it AN UNTRUTHFUL RETAILATION because I filed for Ideninity Theft after NO RESOLVE OF UNAUTHORIZED CHARGES beginning XX/XX/2018. FTC ID Theft case XXXX. FTC says GRANTOR ( USAA ) by statues Must NOT REPORT ID THEFT to destroy innocent peoples lives. USAA MUST HAVE SLADERED MY NAME TO RETAILATE. USAA IS MUCH TOO HOSTILE TO MAKE SAFE CONTACT and I am set up with CFPB with CONSTANT CONTACT. USAA has had tons of contact ( *Safely through CFPB. ) XXXX, please contact CFPB to veiw the history of current contact. USAA IS NOT HONEST. XXXX, please send me WHAT I AM BEING ACCUSED OF CLEARLY AND SPECIFICALLY. My reputation has been spotless for XXXX   years UNTIL USAAXX/XX/XXXX.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MI XXXX XXXX To whom it may concern : It appears that the cooperation between us, HSBC and XXXX has deteriorated to the extent that I have no choice, but to continue try and prove that by their mistakes and unwillingness to get this problem resolved. I will continue to address this the best I can, and present evidence I have available to me. This is a continuation of a complaint, case # XXXX. 
I am, again, requesting a complete and in depth audit of the entire year, XX/XX/XXXX, of my mortgage account with HSBC ; loan # XXXX. HSBC mortgage statement, dated XX/XX/XXXX, shows a payment was received, automatic deduction, from my credit union, on XX/XX/XXXX, credit union statements will be provided upon receiving a new case number. Please note HSBC statement Principal balance is the same for XX/XX/XXXX, and XX/XX/XXXX, and shows no activity on XX/XX/XXXX. HSBC statement XX/XX/XXXX, also shows {$800.00} being billed as escrow, and was disbursed, but no credit to principal or escrow, meaning, somewhere along the line, HSBC made a miscalculation as the cause of this problem. My investigation goes back into XX/XX/XXXX. If you calculate the amount {$1100.00}, then subtract the {$800.00} from escrow, the sum is {$390.00}. That is very close to the amount left accounted for according to the spreadsheets, I provided XX/XX/XXXX, of {$390.00}, in my favor, but that still leaves the question, what happened to the {$850.00}, that HSBC statement dated XX/XX/XXXX, was on hand. 
Since the trust and integrity of HSBC and XXXX has deteriorated to almost zero, because of trying to deceive and hide the truth and other things. I am submitting my remedy. 
Turn over the title to my home, free and clear, absolutely no attachments, pay {$150000.00}, by certified check, for all the number of times HSBC has breeched the foreclosure agreement of XX/XX/XXXX, and broke the original contract signed XX/XX/XXXX. Admit to wrong doing to the public through the media, and other agencies. This has caused a lot of undue stress, frustration and extra expenses, when there could have been a very easy way to remedy the problem. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Privacy — 
Company: AMERICAN EXPRESS COMPANY (MT)

I requested a credit line increase after my credit line was cut by {$10000.00}. I was instructed to upload VERY sensitive financial information to the American Express XXXX site. I uploaded those documents on XXXX XXXX. I called on XXXX XXXX and the representative told me the documents had been lost due to a " technical error '' and I was instructed to upload again. I was also instructed to call the company in XXXX hours to confirm the receipt of the documents. I re-uploaded the documents on XXXX XXXX and called back in on XXXX XXXX and American Express could still not confirm if any of the VERY sensitive information had been received. They refused to let me talk to anyone in the underwriting department to verify that my VERY sensitive information was with the right people.
Consumer complaint received 2021-08-23
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: DISCOVER BANK (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I was notified by Equifax Credit Corp. that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to Equifax showing the bill had been paid. I also contacted XXXX XXXX on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to Equifax Credit Corp.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (PA)

See attached letter dated XX/XX/XXXX to XXXX XXXX, Wells Fargo Bank, regarding a problem with a home equity loan that I had obtained in XX/XX/XXXX. 

Wells Fargo responded to me via letter on XX/XX/XXXX. Attached. 

I was not satisfied with Wells Fargo 's response because due to their error and confusing documents, I ended up paying an additional {$15000.00} to pay off my loan with interest. I contacted the person who responded to my letter and he was unable to resolve my concerns. 

XX/XX/XXXX, I received a phone call from XXXX XXXX of the Wells Fargo Home Equity Department. During our conversation, she admitted that the process was complex and confusing and that there were only a handful of equity experts like herself in the US. At that time, the maturity date of the loan was XX/XX/XXXX. If the entire balance was not paid off by this date, the fixed rate would expire and I would have to pay the prime rate. She also offered me a new rate to consider, which she said she " ... wasn't supposed to do. '' XX/XX/XXXX, I called Wells Fargo ; spoke to XXXX to ask for loan payoff balance. I also asked about the process to release lien from my home. She said I would have to pay a {$400.00} penalty and $ XXXX county fee for an early release because the account will not close until XX/XX/XXXX. She told me these terms are explained somewhere in my original loan agreement. I paid off the balance and subsequently discovered I over-paid by {$200.00}. 

XX/XX/XXXX, Wells Fargo finally debits my account with the {$200.00} over-payment.