davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgence Legal Group, PC (IL)

The beginning of XX/XX/XXXX, I received a notice from my HR department at work that my wages were being garnished. My HR department provided 2 pages ( Citation Notice and the page with the calculation of the wage garnishment ). The total amount on the page was for XXXX. And from looking at the Citation page it looks like the citation was sent to an old address of mine. I never received any information from this creditor about this citation or any hearing dates. I moved to a new location as of XX/XX/XXXX and the citation paperwork was sent as of XX/XX/XXXX. 

I was denied " Due Process '' of the law because the creditor did not properly serve me and allow me to request any type of verification of the debt. 
What did I do to try and contact them - I reached out to an online law team to see if they could file papers on my behalf. The company filed an answer to the citation notice but I have not heard anything from the company ( and I'm assuming that I will not because again I did not receive the paper work when it was file and I probably missed the deadline date for the answer ). 

Now they have created all type of hardships for me by garnishing my wages. I spoke with the HR Dept. today and they said that now the total amount owed is XXXX. I really need help in resolving this issue with this creditor.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting
Consumer complaint received 2022-03-03
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. (DC)

I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report. Equifax did not remove all inquires requested in the report. Due to Equifax breach I would like the inquiries removed that they left ( XXXX ). XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.
Consumer complaint received 2017-06-07
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. (NY)

I paid  XXXX  (   XXXX   XXXX   XXXX   XXXX    )  a sum of money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One mon th later I received a letter from a second company which claimed that  XXXX  's (  XXXX  ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CO)

We applied for a streamlined refinance on XXXX XXXX, 2015 with Freedom Mortgage. Initially, we were told the process would take XXXX3 weeks. Since that time, we have been through several processors at Freedom Mortgage, so we never know who to contact for questions. We have been promised several closing dates ... of which all of them have come and gone with little to no explanation. They stated once that part of a delay was they were waiting on us to send a subordination agreement ... of which I had sent them XXXX times previously for their approval before having my XXXX mortgage lender sign it. Then ... when Freedom approved the subordination, I overnighted the signed document to Freedom ... only to find out several days later that they needed the subordination changed. We are fed up with this process and do n't understand the consistent delays with the complete lack of communication.
Consumer complaint received 2019-02-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (TX)

Hi there, My wife and I both enrolled a 1 % deposit bonus program in XX/XX/2018 at Ally bank. This offer was giving each customer 1 % bonus of total deposit amounts. After contact with Ally bank, I was told we both can not receive the deposit bonus because we have withdrawn some funds from our previous joint account. However, I don't accept their explanation so I would like to submit this complaint. 

My wife and I used to have a joint XXXX High Yield Certificate of Deposit ( CD ) ending in XXXX and we closed it and withdraw {$100000.00} from this account. After closing this account ending in XXXX, we opened two different Certificate of Deposit ( CD ) individually. I opened a No Penalty 11 Month CD account ending in XXXX and deposited {$100000.00}. My wife opened a 12 month CD ending with XXXX and deposited {$85000.00}. 

Ally explained to me that because I deposit {$100000.00} and withdraw {$100000.00} from the joint account XXXX, I didn't qualify for the promotion. For my wife, she deposited {$85000.00} and withdraw {$100000.00} from the joint account XXXX, she didn't qualify for the promotion either. Obviously, Ally bank mistakenly counted the closed joint account XXXX twice, make my wife and I both missed this promotion.My understand is if {$100000.00} of closing account was counted on my account, it would not be counted again on my wife 's account. So at least the {$85000.00} of my wife 's deposit should be counted as new external funds and she is supposed to receive a {$850.00} deposit bonus. 

I submit this complaint to ask Ally bank help us to fix this issue? 

Thanks XXXX
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IL)

The owner of XXXX XXXX XXXX XXXX offered a XXXX month membership for the cost of XXXX months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than XXXX months, being that the owner was in breech of contract of the XXXX month deal. I feel I was deceptively charged since owner knew he was closing gym in XXXX months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections XXXX week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX  XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I reviewed my Trans Union credit report and I have XXXX credit inquiries from XXXX XXXX XXXX that are unauthorized and fraudulent credit inquiries. I am a victim of identity theft and been a victim of identity theft for over 7 years now. I want Trans Union to remove the credit inquiries from my credit report.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

My closed XXXX XXXX account was closed and went to collections in XXXX. XXXX originally sent it to one debt collector and it was sold to another debt collector about a year later to Jefferson Capital System. Jefferson Capital keeps updating it so it stays on my credit report. This debt is way about 10 years old. I have disputed this multiple times, yet it won't come off my credit. According to the FCRA " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old '' My credit report says that it was only opened 2 years ago, but it was about 10 years ago.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted an identity theft report to Transunion # XXXX. I have been incarcerated for XXXX years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I  obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the informatio   n with the ORIGINAL CREDITOR, they must re
move said information from the consumer credit file. <P/> My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entrie
s on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
<P/>
The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
<P/>
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1   ) ( a ), you are required by federal law to verify through physica  l verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
<P/>
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the   XXXX    Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from the following account, XXXX XXXX XXXX Balance : {$10000.00}. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). This account reappeared after it was originally deleted the first time. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (NC)

Was contacted at my job about a debt. They threatened that I was being XXXX and owed over XXXX and if not paid then my wages could be garnished and that after court documents have been signed my debt would increase to XXXX but if I paid now before court documents were processed I would only owe the {$1200.00}. They said they sent out a letter to my home address in XXXX but I never received anything from Lewis, McDonnell and Associates.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (PA)

On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX  charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I called Equifax after taking 2 hours out of my day to wait on hold until an representative answered the phone, to be hung up on Not once but TWICE! So a total of 3 1/2 hours waiting on the phone XXXX/XXXX/XXXX. I had addresses that appeared on my credit report and I was calling to take care of the action. One of the addresses was XXXX XXXX XXXX, and XXXX XXXX XXXX both XXXX XXXX NC. I had the job XXXX XXXX pop up, but I 've been a employee of XXXX XXXX XXXX for years. I had a inquiry from XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. This was all concerns that I expressed with the rep who told me that he sent a message to the other team to handle the concerns, but once put on hold they would hang up on me. I was more than polite, and the both reps was as well. I 'm more upset that things are on my report that should n't be and once I had time to handle the situation almost 4 hours was waisted out of my day for nothing. The hold times are ridiculous.