davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Management Control, Inc. (WI)

XXXX XXXX XXXX XXXX XXXX  reported a medical bill on my credit report. 
I called this company at XXXX on XX/XX/22 at XXXX XXXX to resolve this issue. As soon as you call you automatically get placed on a hold. I was on hold for 4 minutes and never spoke to anyone and then the phone automatically hung up on me. I then called again at XXXX XXXX and again was placed on an automatic hold for 5 minutes and again their phone automatically hung up on me again without ever speaking to anyone. I called again at XXXX was on a brief hold this time and finally got through to a representative whose name is XXXX XXXX 
I then proceed to explain the reason for my call to XXXX which was to resolve the medical bill with them and asked if they could do a complete deletion once I settled the debt with them. 
XXXX told me that it was illegal to ask for a complete deletion and that they couldn't do that. 
I told him it's not illegal for me to ask and not illegal for their company to do. He then proceeded to continue to provide me with inaccurate information about the deletion I asked about. 
I told him that I am trying to resolve the issue with them but would like them to consider a complete deletion. 
He then told me that he was going to put in my file a note that said refusal to pay and hung up on me. 
His service was completely disrespectful and rude for no reason. 
I called back again at XXXX XXXX and asked to speak with a supervisor. 
I was able to speak with XXXX, a supervisor. I told her about my interaction with XXXX and how he hung up on me when I was not finished discussing the matter and how he told me that at complete deletion is illegal to ask for. 
XXXX said that the term illegal was inaccurate and that XXXX shouldn't have used that terminology. 
She stated that their company does not do complete deletions which doesn't make any sense to me because other credit collection agencies do them. 
It just seemed like XXXX didn't know what she was talking about either. 
My experience with this company was horrible. 
An agency should have better communication methods especially when they have the power over your credit report. 
It should not have taken me 3 phone calls to finally speak with someone about my account and the personal needs to be more informed and professional with their services. 
I would even like my account moved to a different creditor other than them due to their unprofessionalism and inaccurate statements about debt collection.
Consumer complaint received 2016-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Malcolm S. Gerald and Associates, Inc. (IL)

Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (DE)

Hello! 
My daughter and I have a vehicle lease. I 'm co-signer. Her payment in XX/XX/2016 was over 30 days late. We do n't dispute that. We dispute the circumstances that led to it being 30 days late and her credit and mine being damaged because of this. I will add attachment for more specific details.
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

case number XXXX pressler and pressler XXXX their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by XX/XX/XXXX, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MD)

I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (TX)

On XXXX XXXX, 2023 my Ally auto payment went 30-days past due. The next due date was XXXX XXXX, 2023 in their payment app ( XXXX ). I made the payment in full ( {$1700.00} ) including late charges, on XXXX XXXX, 2023 via their phone system. Theyve reported the payment 60-days past due, although all contact through app and text shows a due date of XX/XX/2023 ( 30-days from XX/XX/2023 payment date ). 

When contacted they said the payment doesnt need to be 60-days past due and they can mark it on the XXXX. I requested information and they were reluctant to provide, but said they would mail something between 10 business days. Looking through the contractual terms of the loan, it says clearly its a 30-days from due date reporting system. This means my payment would be marked 60-days past due on the 58th day, with a payment deducted on the 59th day. 

Reading through the federal law of the Fair Credit Reporting Act, it states A late payment can not be reported to the credit bureaus until it is at least 30 days past due. An overlooked bull wont hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. 

Any assistance will be appreciated and I would like to engage the complaint process.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To : The Office of Registered Agent for Spring Oak Capital LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have XXXX days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX PXXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

Myloan care used to be my mortgage servicer. They stopped servicing the loan in XXXX 2015 and I didnt realize that until early XXXX 2015. My payment was made thru online bill pay at XXXX to them, instead of going to the correct, new servicer which is XXXX XXXX. I 've spoken to XXXX care multiple times, sent numerous emails asking that they refund my payment because it rightfully should have been sent and received by XXXX XXXX. They have been non-responsive to emails which they were supposed to respond to within 10 business days. I filed a ticket # with them Ticket # XXXX and sent proof to them back in XXXX showing where my payment had been made to them and they said they 'd research it and give me a refund. It is XXXX and still no refund. The XXXX check was for XXXX. I have also filed a ticket with XXXX and proof of payment made from my checking account is : For XXXX XXXX {$2900.00} Reference # XXXX and old account # XXXX ( mortgage account # with myloancare ).
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I have fraudulent activity that took place with my credit account and I tried to settle it from the bank account telling them someone got into my account, I gave them the police report and fraud report and nothing has happened and now XXXX XXXX has this account like I abused the account when it was fraudulent activity there was not done by me
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I disputed an account reported by XXXX  in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Have tried to remove a security lock on my Equifax credit file but after countless hours on the phone they have not figured out why they can not unlock my credit file. They claim its a technical error but my Equifax has a lock on it and it can not be unlocked so my mortgage lenders can pull my credit for me to obtain a mortgage. 

Equifax transfers me from person to person, department to department and no one can fix my problem. Im attempting to get a mortgage and need my Equifax report to be unlocked. This is debilitating for me as a consumer. Very unprofessional staff - nobody seems to know what they are doing at Equifax.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MA)

Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (AZ)

I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

I am struggling to repay all of my loans with XXXX who is the original loan entity that disbursed my student loans. Weltman, Weinberg & Reis Co. LPA . is the entity that is the debt collector on behalf of XXXX. I have been struggling to have stable employment and currently work but still still struggle financially. I am able to do a lower payment for the following loan number XXXX, the one time lower payment I can afford is {$300.00}. Reference number XXXX For the following loans I can not provide payments until my employment is stable. 

Loan number XXXX Reference number XXXX Loan number XXXX Reference number XXXX Please do not send mail to XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX because I no longer reside at that mailing address. My current and only mailing address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. All mail should be addressed to my XXXX XXXX and not my co-signer. Please remove my co-signer since I have completed a loan payment. The loan repayment that I completed is LOAN NUMBER XXXX.