davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

In the month of XX/XX/2017 with reasons for the hurricane that afflicted Florida, I was unable to work, for that reason. Immediately I contacted ALLY Financial, in search of help from them, when the Governor of Florida asked all of them the institutions with which the residents of Florida had credit accounts, loans, etc. That at least they will grant to the borrowers, three ( 3 ) months free of payments as well as also that the interest will not be increased. 
Bearing this in mind, I spoke with a man from ALLY and very cordially answered me that as they did not help me and he told me that he could not send me anything in writing, but that he was free of payments during the months of XXXX and XXXX and that the XXXX payment was to pay only {$220.00} of the {$390.00} I usually pay. 
Then in the month of XXXX I started receiving calls demanding a back payment of {$170.00} and when I called to clarify that situation, they answered me at that time that they did not have to give three months as the Governor had requested, that they were two and nothing more. 

To all the above, you can add, that for reasons of my age and health I have tried on many occasions to take into account my situation and help me in some way, to lower the interest of the loan, and have not accepted. 
And this location comes from XX/XX/2017 to which we add fees for tardies until this month.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Transunion, XXXX and XXXX all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX security clearance and jobs with the XXXX XXXX.
Consumer complaint received 2020-07-19
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (WI)

In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was Crown Asset Management, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just 24 hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 
Initial Dates for Crown Asset Mgmt : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
Crown is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at ), would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} ( {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within 48 to 72 hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MN)

his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

This is a follow-up on my complaint id XXXX filed two days ago. I received a notice today from AmEx dated XX/XX/XXXX containing the documentation from the merchant which was omitted from a letter dated XX/XX/XXXX referred to in my earlier complaint. That documentation states that the article was delivered by XXXX and gives a tracking number, XXXX. When you enter that number it states that a package weighing one pound was delivered. What was ordered were two child 's bicycles so it is clearly fraudulent. Actually no such shipments occurred. 
If one searches " XXXX XXXX  '' on XXXX a XXXX video " XXXX -Scam or legit '' shows the merchant 's website along with the items sold there including the child bike for {$99.00}. There are numerous other results in that search also stating that XXXX  is a scam. 
In addition when I try to trace the transaction on XXXX using the transaction id supplied by XXXX, it displays " Woops, there is no such transaction ''.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2020-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

In early XX/XX/XXXX I asked for assistance with a payment deferral due to wifes employment income being reduced. I was sent forms to sign and return which was done on XX/XX/XXXX. I was advised my term would be extended and payments rolled to end of the loan. My normal payments would resume XXXX XXXX. 

I called XX/XX/XXXX their HELOC dept as XX/XX/XXXX payment showed online amount due was around {$2100.00} which was not correct and would be adjusted and to be patient. I called XX/XX/XXXX and spoke with HELOC dept and told the documents were wrong I signed and I would be responsible for those payments, although documents advised otherwise and would not send me anything in writing. 

I reached out on their XXXX  page XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and was told Id get a call. I got a call from there default management group alleging to be supervisor that their still working on fixing the payment due amount and would be called the following week to pay the correct amount but could not send anything writing. Its now two weeks and no call or update. My payment online now shows next due XX/XX/XXXX and amount due {$2400.00}. 

Ive never been late and they are not helping nor letting me know whats going on. I want them to honor the documents they sent me so I can begin resuming payments. This feels like a bait and switch to cause me to default on an account that has automatic payments and has always been current prior to this mess. I can provide documents on what they had me sign.
Consumer complaint received 2020-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.
Consumer complaint received 2020-08-19
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. (OH)

This is my second request regarding fraudulent accounts on my credit report that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

After I started my dispute with Equifax, They locked me out of all credit monitoring services. I can not monitor my account for for changes or fraudulent activity or important changes. I have provided multiple government identification documents and financial information to prove my identity.
Consumer complaint received 2018-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I entered into a loan modification agreement with Huntington Bank. I met the qualifications of the loan modification payments and made my new payments on time XXXX, XXXX, and XXXX of 2021. Instructions as of the initial agreement said if I made payment prior to XX/XX/2021 that I would receive a modified loan agreement with the new payment. Huntington never sent me the new loan agreement. XX/XX/2021 I inquired as to where the new agreement was and was told the flex modification department was behind and to continue making the agreed upon payments. I have made the payments since XXXX of 2021 that were part of the loan modification every month that I was instructed to do in the amount of {$1400.00} and Huntington has repeatedly reported me as 120 or more late which is not accurate. I submitted the modification letter and the inaccurate late payments have not been removed from my credit report. When I call to make a payment numerous customer care agents at Huntington fail to see my modification agreement and tell me it does not exist until they take a while to look into my account and then they see it. Then they accept my payment.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (WA)

I recieved a collection of {$450.00} on my credit report for a delinquent account from XXXX XXXX that is not mine. I had no knowledge of and no contract for this account. I disputed the account but the company verified it as accurate even though i have never signed or spoken to anyone at the company.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired or removed. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get discarded immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-19
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 (NY)

On XX/XX/XXXX an agreement was reached with Jefferson Capital to settle a debt, for a XXXX account. They promised if i paid the amount agreed of {$160.00}, they would remove the XXXX account from my credit. In the course of a year, I contacted them several times and everytime they would say to send the credit companies the satisfactory letter except I would wait months and no letter. I kept contacting the credit agency and they kept referring me back to Jefferson Capital. This back and forth went on for a while. 

I recently contacted Jefferson Capital in XXXX of XXXX upset and got them to agree to send me the satisfactory letter electronically since a whole year had gone by and I never received it by mail. I sent it to all 3 credit agency as instructed but they still would not remove the XXXX account. 

I called back Jefferson Capital back and now they told me to send the letter to XXXX. For a whole year I have been bounced back and forth! 

Jefferson Capital were the ones who promised to remove the XXXX account from my credit report. 

I am requesting that they please honor their agreement and remove that account as they promised from my credit. I kept my end of the agreement and paid them.
Consumer complaint received 2018-03-29
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: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 My account was hacked both from my debit card and XXXX transactions. 

I received an alert from my Bank of America account inquiring if I made the transactions I called them immediately to report the transactions were not made by me. 

Once the Representative answered the phone and immediately my debit card was shut down and my account was placed on hold. I was told in regards to the XXXX transactions I would have to speak with someone in that office. 
After being on hold for over 2 hours someone finally came to the phone and took my complaint and I was told an investigation would take place. The XXXX transactions was to someone I have never heard of and the amount I have never sent such an amount to anyone
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

I have to credit agencies trying to collect on the same old medical debt, debt that should have been covered by either XXXX XXXX XXXX XXXX, XXXX, or Financial Aid. 

I have verified that XXXX XXXX XXXX XXXX has a right to the debt but for 5 years every 3 months they remove the debt from my credit and then open new accounts and report it as new ( most recently as XX/XX/XXXX ) - every time I make progress repairing my life after being XXXX  they tank my progress anywhere from 50-100 points. 

Phoenix Financial is trying to fraudulently collect the exact same debt and I have verified with the hospital that the have no right to the debt. 

I have been writing the credit bureas and collection agencies by certified mail for 3 years, As soon as I win a dispute and everything is removed then they once again report it again as new and I have to start the process over. I have sent in the actual dates of service provided directly from XXXX XXXX XXXX XXXX showing incorrect date and repetitive reporting of the same debt but again if they remove if they put it back on and once again tank my progress. 

I have not made a single lat payment on since XXXX - and nothing that I should be repsonsible has gone unpaid, however, because of this cycle none of that is helping me. 

On XX/XX/XXXX I was XXXX  and almost XXXX, without getting the assistance I was promised, I ended up homeless and almost died  10 months later of XXXX. It took all that to get help. Some how 95 % was covered and paid through the coverage I qualified for, but some slipped through the cracks. I had to restart my entire life after losing everything and I should not still be paying for the mistakes of others that directly relate to an XXXX XXXX, I was forced to start over at XXXX years old and I don't have the money to fight this process or hire and expensive lawyer but I also should be punished continually, fraudulently and illegally for people that want to inaccurately and repetitively report items against you falsely.