davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (TX)

on my credit it shows up as a Auto loan but it is not a auto loan it is a retail installment agreement. CFPB says A retail installment sales contract is a type of financing agreement. It is made directly between you and the auto dealer. The dealer will typically sell the contract to another lender unless the dealer is a buy-here/pay-here dealer. Traditional ... a auto loan is on my credit I never did a Auto loan it was a retail installment agreement The CFPB says what a retail installment sales contract or agreement is different from a loan. it is showing up on your consumer report as a auto loan but on the contract it states it is a retail installment contract They are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( bii ) for false and inaccurate information
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax illegally placed a fraud victim alert on my account without my permission or knowledge. They have refused to take this off even though I have jumped through hoop after hoop and answered ALL of their questions to verify my identity time and time again. My answers were read word for word from my EQUIFAX account ( I logged in prior to contacting them XXXX. They still claimed I did not provide them with the correct information. There is false. I did. I need this removed so that I can get utilities set up in my new home. I am frustrated and have also filed a complaint with. The XXXX. Waiting for a response from them as well. Equifax representatives have continued to lie, hang up the phone ( on multiple occasions ) and have flat out refused to let me speak to a supervisor time and time again. They need to be held accountable for their actions. What theyre doing to people is not ok. Please stop this. Its not right.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TN)

Credence Resource Management furnished information to XXXX and XXXX without validation. There were 2 items on XXXX for a total of {$1500.00} and one on XXXX for {$390.00}. I sent a request for validation on XX/XX/2021, but I never got a response. 30 days have passed and by law, they have defaulted. These accounts are violations of FDCPAs 15 USC 1692g. They should be removed immediately.
Consumer complaint received 2022-04-30
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: WELLS FARGO & COMPANY (TX)

In accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 : it also states A consumer reporting agency can not furnish a 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 and Purpose
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

I received a letter dated XX/XX/22 from Diaz and Associates, claiming that I owe an amount for a debt in the amount of {$630.00}. After careful review of my full credit report, I do not have an account with this entity, XXXX, nor owe said amount. All of my credit accounts are within good standing. I have no debt collection account, nor a derogatory remarks. This is a false claim for a debt that I do not owe.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Dear XXXX loan officers I am requesting a credit of the total amount payment of {$19000.00} paid to the wrong XXXX loan account # of XXXX in the website : PayGov.com on form XXXX ; The problem is that back in XX/XX/2022 when I did set up, in the site XXXX, an automatic monthly payment of {$1400.00} from my JPMorgan Chase bank account # : XXXX routing # : XXXX to be credit to my correct XXXX loan # : XXXX, instead there was a registration error in the PayGov.com on the first digit instead of the first digit " XXXX '', it was the digit " XXXX '', the remaining digits of XXXX loan number are correct except the first of " XXXX '' of the loan number ; all the payments from my chase bank went to the this wrong XXXX " XXXX ''. The monthly payment of {$1400.00} was debited from my chase account regularly on the XXXX of each month and applied to the wrong account. I was not aware of these payments not being applied to my correct sba loan # until I received this week a telephone call from the XXXX loan servicing department informing me that my monthly payments are not received. Now I am requesting an investigation of where these payments were going to? whose account were the payments applied to? and to refund all the payments for a total of {$19000.00} ( wire payments from JPMorgan chase were being taken each month on the XXXX of each month, see attached chase bank statements ) Feel free to contact me for further questions at my cell phone # : XXXX. 
Please see my bank statements with each month payment as for the record. 
Truly XXXX
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: EQUIFAX, INC. (NJ)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time.

There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and time.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and

the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate. 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time. There our a total of One hundred twenty three ( 123 ) violations. They have continued to violate my rights every and time.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NC)

I am compelled to address the concerning actions of Jefferson Capital. It has come to my attention that they have neglected to provide me with proper notice or a dunning letter, affording me the opportunity to contest or validate the purported debt. Instead, they have swiftly proceeded to list the alleged debt for collection. This conduct blatantly infringes upon my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I assertively demand the expeditious removal of the tradeline from my consumer report.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

Chase increased my XXXX several times over the last 9 months without notification and without cause. My rate rose from 20.74 % to 25.24 %. I paid off my account upon discovery several days ago. Had I been notified prior about the increases, I wouldve taken the opportunity to pay off the amount at the lower rates. When I called into Chase, both an agent and supervisor stated I shouldve received notification and put me on lengthy holds to find the dates of any notifications. They were unable to find any. Ive also reached out to Chase via XXXX XXXX, and was told Id receive notifications about any changes to my account. I was never notified.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-30
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several inaccurate accounts reporting in my credit reports which I have been disputing since XX/XX/XXXX but, to date, I have yet to receive one response from the credit bureaus. Per the FCRA, if the credit bureaus take longer than 30 days to respond or fail to respond to a dispute, they are to remove the information from a credit report. The credit bureaus have failed to respond to my disputes, they have failed to investigate the accounts, they have failed to fix the incorrect issues, and they have failed the law. Now, regarding the issues in my reports that I have been working on resolving, there are 6 DEPT OF EDXXXX accounts reporting 90 and 120 day late payments on my reports but, no 30 or 60 day late payments. Look at the attached reports, account # XXXX .... was reporting on-time in XX/XX/XXXX in the payment history and 90 days past due in XX/XX/XXXX. How can an account become 90 days past due in only 30 days? It can't this is an obvious mistake, one that the credit bureaus failed to fix over the course of the last 7 months. Same issue with account # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ...., # XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX. is reporting an on-time payment on XX/XX/XXXX and a 90 day late payment on XX/XX/XXXX and a 120 day late payment on XX/XX/XXXX. How did this account become 90 days past due in a period of only 30 days? Its an impossibility! There are also issues with a collection from XXXX XXXX # XXXX reporting on my reports, I have requested that the collection agency provide documentation proving my liability in this debt ( per FDCPA ) but, they have failed to respond with any documents and the credit bureaus continue to report this erroneous information. XXXX XXXX XXXX XXXX  # XXXX .... agreed to defer payments due to COVID but, continued to report late payments in my credit reports, XXXX # XXXX .... agreed to defer my payments and reduce them due to COVID but, also continued to report the late payments and actually charged off the debt- this was not part of our agreement. Look at the payment history, I continued to make reduced payments but, XXXX and XXXX XXXX reported incorrect information. XXXX XXXX XXXX # XXXX .... is an account I don't even remember opening so I requested a copy of the original contract on the account ( per section 609 of the FCRA ) but, no response again. As you can tell, I've been doing this for a while and working on resolving these blatantly incorrect issues. I am asking that you remove this incorrect information from my credit reports and hold the credit bureaus accountable for violating the law.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America they locked my account because someone hacked my account on XXXX I contacted them they sent a new card I called to activate they said I had to verify my identity through NV XXXX  and I did now unemployment is saying its up to BOA to open and they dont no when Im in the process of getting evicted if I dont get access to this money
Consumer complaint received 2022-04-30
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. (KY)

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

Since XX/XX/XXXX, Navient Corporation has stopped sending monthly billing statements for three ( 3 ) student loans that my step-son received in XXXX. There are three ( 3 ) loans involved - I am the Co-signer of one ( 1 ) of the loans, and my wife is the Co-signer of the other two ( 2 ). 

We had been receiving billing statements up until XX/XX/XXXX. When we did not receive a billing statement the following month ( XXXX ), we called them on XX/XX/XXXX. The customer service reps ( XXXX XXXX XXXX ) we talked to said the company is not allowed to send billing statements now because of a " pending law suit ''. However, they would be able to take a payment over the phone - which we did by EBT. 

Each of the following months - XXXX, XXXX, & XXXX we failed to receive a monthly billing statement and again called the company ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Each time we were able to talk with the same person ( XXXX ) and given the same answer as in XXXX. We also made a payment on each of the accounts by EBT for each of those months. 

We did not receive a billing statement again in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we called again requesting a status of the account and a billing statement. This time we talked with a person by the name of 'XXXX ' who told us the same story as in previous months that they aren't sending billing statements. We also asked what the current interest rates were on the loans ; the current Unpaid Principal ; and Unpaid Interest & Fees. 'XXXX  ' said that information wasn't available. 

The bottom line is that the loan servicing company ( Navient ) is failing to provide billing statements - either automatically or when requested to either the borrower ( my step-son ) or the Co-signers ( myself and my wife ).
Consumer complaint received 2023-03-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (NY)

Complaint against Ally Bank XXXX around XX/XX/2023 I worked at setting up several accounts at Ally Bank via their website. ( There ended up being XXXX. ) They wanted additional documentation, which I sent in. The accounts were set up by Wednesday, XX/XX/XXXX. I transferred a total of {$15.00}, XXXX into these accounts from my local checking account. 

When I got up Thursday morning, XX/XX/XXXX, I found in my in-box 5 e-mails from Ally saying the accounts were closed. I tried calling the XXXX phone number to see what this was aboutI believed Id been hacked. Unhelpful person said Id have to call their Account Division after XXXX XXXX. I did so, even though it meant being late for work. 

Person there said Ally had decided to close the accounts. I said Wheres my money? as it had not been transferred back to my local checking account. The person was again most unhelpful, and when I asked about speaking to her supervisor, she basically told me I could leave a voice-mail, but dont hold my breath waiting for someone to get back to me. Ive called them a total of 3 times, plus leaving the voice-mail. They have been nasty and not helpful. 

As of this writing on XX/XX/XXXX, Ally still has not returned my money to me. I believe at this point that they have stolen my money. They need to send it back to my local account immediately. I also believe for the major inconvenience and aggravation they have caused me, they should be heavily fined. This is not how a customer should be treated. I want my money back. I want nothing further to do with them. I just want my money back.
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: Experian Information Solutions Inc. (NY)

Experian is incorrectly reporting In accurate information on my credit report that's causing me serious issues. They are Saying that I'm late on payments for a car that I currently finance ( XXXX XXXXXXXX XXXX ) that is not true at all. They are saying I have a open derogatory with XXXX web bank and they are also saying I owe for credit cards that's been paid off years ago ( XXXX XXXX and XXXX XXXX All these things are saying that it's current but it's really not. The next thing that im gon na file is a lawsuit in court next.