davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. 
The car was almost paid off my husband the veteran I was stressed out. 
I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. 
Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX  showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX 
Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft and im disputing this for the second time.I will be filing a civil lawsuit. Why hasn't this been taken care of already this is unfair. Lives are being put down to fraudulent activities being on the profile. I have look on different forums and have talk to my lawyer and you are violating the rights of the consumers that you swore to protect. I have filed a FTC report and I request that all the information be blocked from my report. Under 1681r-2 of the FCRA, I meet the exact requirements for the account listed in the FTC report to be blocked. Im attaching proof of identity id and my social. I am also attaching a notarized letter that's signed by me to let you know im disputing. This account should be blocked within 4 days of receiving this from the CFPB. This is unfair and a mistreatment of the law.
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I received an email about a problem with my XXXX acct. There was a balance that needed to be paid so I contacted the number on the email and followed instructions to set up my bank to pay. I was instructed to enter my bank acct # and was asked to perform " TESTS '' which deducted payments from my bank to two names and emails. Two amounts XXXX XXXX XXXXere sent to XXXX XXXX XXXX, XXXX, and XXXX  amounts XXXX, XXXX  to XXXX, XXXX. I was instructed to perform these transactions under the understanding I was fixing the connection to pay my bill. My bank said since " I '' made the transactions they went through and the money is gone.
Consumer complaint received 2019-10-25
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: DISCOVER BANK (IL)

On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and Discover card to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both Discover card and XXXX XXXX. Discover card and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the Discover card still appears on my credit reports. I want the discover card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
Discover card account:XXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (AL)

Ive been with my prepaid card company around three years card.com or XXXX XXXX. on there policy if i get a qulified deposit of XXXX in 30 days my mantance fees of XXXX is wavied to XXXX dollars. I recive a check from social security on the first but my check is loaded on my card 5 days every month before the first which buys me 4 or 5 days before company policy 30day mark. When ive noticed i contacted them they only refunded me XXXX twice in two defferent months. But im charged XXXX every month on the XXXX. Im getting feed up of this breach of contract but cant find a lawyer to sue for this.
Consumer complaint received 2020-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I initially had a consolidated FFEL loan through Great Lakes Education, the loan was sold to NelNet on or about XX/XX/XXXX. I was told there would be no changed to my agreed upon payment plan based on this move. My loan has been on the graduated repayment loan since the beginning of pay back and I am currently supposed to be paying XXXX a month until the loan is paid back. I have not missed paying any installment from the start of my payback period. In XX/XX/XXXX, I noticed that Nelnet had stopped the auto-deduction from my bank since XXXX. When I called Nelnet I was told that they changed my repayment plan based on info they obtained from XXXX University. The new payment plan is a lower monthly cost for an extended repayment length. At no time did I request nor authorize this change from either XXXX University  or Nelnet. Nelnet told me they did this based on info they received from XXXX University  and had placed an email in my " inbox '' on their website informing they were changing it. They refuse to return my plan to its original agreement. This is a deceptive practice and should not be allowed. I do not access NelNet 's website for any reason, as I trust the auto deduction will be carried out per agreed to by myself and the original payment plan. I did enroll in a XXXX  program at XXXX ( I have since withdrawn ), but at no time requested any loans from the university or NelNet as I have been paying for classes out of pocket to avoid adding any more debt to my existing school loan. I have also been taking courses at XXXX XXXX University  for several years prior to enrolling at XXXX and this did not happen based on those courses. I would like my original payment plan restored. They had no right to change my plan without my direct consent which they at no time received. On the phone conversation I did allow them to withdraw the amount necessary to make up for the missed payments for XXXX and XXXX however they have continued to only take the new reduced amount since XXXX.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Revenue Solutions (CA)

I have filed disputes regarding Titian revenue solutions and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even without providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person at XXXX directly. The documents they sent my address is not sufficient proof, no proof of identity it's just papers with some of my personal information nothing else. The credit bureaus and XXXX Revenue do not adhere to the laws that govern the reporting to a consumer 's credit report. None the less my participation in the class action lawsuit that XXXX  was involved in regarding their data breach that I was a victim of offers no real resolution to these issues and its unfair to the consumer.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

Ive requested the accounting history, detailing past payments made or missed and was not provided any. 
Ive requested personal information associated with this account for identity purposes and was not provided any. 
Ive requested contracts signed with my signature and was not provided any.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and im disputing this for the second time.I will be filing a civil lawsuit. Why hasn't this been taken care of already this is unfair. Lives are being put down to fraudulent activities being on the profile. I have look on different forums and have talk to my lawyer and you are violating the rights of the consumers that you swore to protect. I have filed a FTC report and I request that all the information be blocked from my report. Under 1681r-2 of the FCRA, I meet the exact requirements for the account listed in the FTC report to be blocked. Im attaching proof of identity id and my social. I am also attaching a notarized letter that's signed by me to let you know im disputing. This account should be blocked within 4 days of receiving this from the CFPB. This is unfair and a mistreatment of the law.
Consumer complaint received 2021-06-09
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. (MI)

I have a auto loan with XXXX XXXX XXXX that was opened in XX/XX/XXXX. My account is current, my last payment made was XX/XX/XXXX of {$450.00}. On their website through the customer portal my account reads current/on time but on my credit report it shows the account, closed, in collection/ charge off as bad debt and is listed with a derogatory payment. I have disputed this through transunion and XXXX 5 times now. They did update the balance but that was all they were able to do My account is it closed or in a derogatory status or in collections I am making my payment monthly. The representative I spoke to even shared with me that yes the account is in good standing snd I make my payments on time This company is not accredited with the XXXX and is currently under investigation for signing people into loans they know they would default on. I believe my account was victim to this tortuous behavior. 

Please help
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In response to claim # XXXX Transunion has continued to violate my rights. They claim to have investigated the incorrect account for XXXX XXXX XXXX that is reporting to my consumer report and causing harm to my life. This account is reporting a different close date with XXXX, Transunion, and XXXX. I demanded that this account be deleted from my consumer report due to non-compliance with METRO2 standards for accuracy. Transunion claims to have updated this account. I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. TRANSUNION DID NOT DO A PROPER INVESTIGATION AND CONTINUES TO PARK THIS INACCURATE ACCOUNT ON MY CONSUMER REPORT.
Consumer complaint received 2020-01-27
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: Credit Technologies, Inc. (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Consumer complaint received 2019-11-14
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. (FL)

THE DISPUTED INQUIRIES WERE NOT AUTHORIZED BY ME AND I WOULD LIKE THOSE INQUIRIES TO BE REMOVED OFF MY CREDIT.
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (MD)

This was a loan for a vehicle my ex-spouse and I had shared when we were married. When we divorced in 2017, he was ordered by the court to execute the required paperwork to retitle and assume the lien on the vehicle. He did not comply, stopped making payments, and the account was closed with negative remarks. I made numerous attempts to have this remedied, but the bank refused to honor the court order, and my credit has been severely negatively affected.
Consumer complaint received 2023-01-18
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. (OH)

I am submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-
Consumer complaint received 2022-04-30
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: AmeriCollect (FL)

I have submitted multiple requests to XXXX about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone stole my identity and use my name and social security with out my consent. Got numerous credit cards in my name and mess my credit up and scores. I would like to get this fix its not fair to me someone using my name identity theft and I m held responsible for it as well.its a lot of credit cards from XXXX XXXX its like 7 cards and a student loan thats not suppose to be on there. I want it off
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX, Midland Funding was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from Midland Funding regarding my request for debt verification. Within the response from Midland Funding it provided a letter from " XXXX XXXX  '', the alleged original debtor '', that " Midland Funding, LLC. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " XXXX XXXX  '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information.

In addition to the letter from the alleged original creditor, Midland Funding LLC., also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that Midland Funding does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that Midland Funding created the letter aforementioned on their own behalf. I investigated a " XXXX XXXX  '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " XXXX XXXX XXXX  '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that Midland Funding LLC. consider this complaint and agree to the fair resolution requested.