davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC. (NY)

I had a dispute with Ally Financial  in XXXX regarding a consumer auto lease. The amounts were not collectible since they were not properly due and at this point, the limitations period for collections has long expired. Unknown to me, back in XXXX Ally filed Form 1099C with Internal Revenue alleging that I was responsible for forgiveness of indebtedness income, when in fact, the amounts were not reportable since they did not involve principal sums as required under Treas Reg 1.6050P-1 ( d ). When Ally filed with IRS, they failed to send a copy to me. I first became aware of the false filing in early XX/XX/XXXX and at that point, I sent Ally a letter requesting that they withdraw the filing. They ignored me.
Consumer complaint received 2020-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (DC)

I have received daily phone calls from a company called USI Solutions , Inc. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to XXXX. I do not owe a debt to XXXX and have no memory of ever having an outstanding debt with XXXX. 

I sent a letter to USI Solutions informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from USI Solutions has  attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # USI Solutions assigned to me was XXXX, and they stated that the original account from XXXX was XXXX.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I am receiving debt collection letters from Resurgent Capital Services L. P. trying to collect a debt that I do not owe. Someone used my information to open an account with XXXX XXXX, XXXX. XXXX XXXX has turned the account over to LVNV Funding LLC who in turn have apparently turned the information over to Resurgent Capital Services. I have written them and advised them that the debt is not mine but they refuse to take measures to remove the information from my credit report. I want the information removed from my credit report. It is adversely affecting my credit.
Consumer complaint received 2023-02-08
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. (MS)

Notice intent to sue due to defamation of my character publication of information inaccurate negative items on my consumer report. I have been Identified by state denied credit. Remarks negative impacting my reputation, Publish information is Demonstably False and Credit Bearues are at fault. 

Notice Intent to sue due to Violation of my rights 15 U.S. Code 1681s ( 2 ) ( b ) Failing the requiment to delete inaccurate reporting after reinvestigation, which XXXX designated with private cause of Action. 

Account : Open Sky XXXX XXXX : XXXX XXXX - XX/XX/XXXX Experian XXXX Credit XX/XX/XXXX Credit XXXX Bank XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX phone numer : XXXX Phone Number : XXXX Job I dont not work for and never have been associate with : XXXX XXXX XXXX XXXX  bussiness address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. ()

My grievance is with PHH Mortgage ; they are responsible for servicing my mortgage. As such, they are supposed to provide me with monthly statements, year-end tax documents, escrow analysis statements and other information related to my mortgage. Unfortunately, their website, https : //www.mortgagequestions.com/ is not configured properly and can not be accessed from overseas. I am on a temporary work assignment and providing essential services overseas, but I still need to access information about my mortgage in the USA. 

Unfortunately this issue has been unresolved for over 6 months. I have called them several times to try to get this issue resolved, but their IT team has not been able to make their website accessible. They also will not mail documents overseas. Currently PHH Mortgage is completely unable to provide me with mortgage statements via any delivery method.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (CA)

I am having problems with Payday prepaid mastercharge illegally blocking my account. I won a case to have my boyfriend reassess for in home supportive services. I got back pay for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and part of XXXX. I got about XXXX XXXX in 15 supplemental pay checks FROM THE STATE OF CALIFORNIA. Couple of weeks later I withdrew XXXX on one day and XXXX another day. and bought a XXXX truck. XX/XX/XXXX. XX/XX/XXXX My credit card is declined. After spending an hour on hold I was told there was a discrepancy with my address and they asked me to provide proof. Understandable. Our place burned down XX/XX/18 and I used a friends address for mail while we were unsettled. XXXX XXXX XXXX XXXX XXXX. We subsequently rented a place XXXX XXXX XXXX XXXX. I did not change my address with PayPal prepaid master charge. In XXXX I asked for a replacement debit card for my online PayPal using the XXXX address. They asked and I provided them with an explanation. Then they refused to give me access to my money. XXXX XXXX ( XXXX ) demanded I explain the source of my XXXX cash deposit. If she is so XXXX  she can not tell the difference between direct deposits from the STATE OF CALIFORNIA and cash deposits she should not be working in a bank. The she ilegally asked me to justify my cash withdrawals. I withdrew XXXX one day and XXXX XXXX   a few days later ( I would give you dates but I can not access my online account ) I bought aXXXX truck. They demanded proof of how I spent my money before they would release my funds. I called you ( CFPB ) and was told legally they did not have a right to ask that and that I should look at the company policy. I did. Company policy says I can withdraw {$4900.00} a day. I was within company policy. I had to. provide a copy of the pink slip and Ca. DMV correspondence. This is extortion. I had to provide information I had no legal obligation to provide to get access to my funds. I wasted hours of my time on this. MY CIVIL RIGHT WERE TRAMPLED ON. I do not have to provide an explanation of how I spend my money to use it. XX/XX/XXXX I get access to my account. Yesterday I go to use my debit card and it its blocked again. I emailed XXXX XXXX to ask why my account was blocked again. She emailed me back saying I should call the customer service line and explain my spending. I went to XXXX XXXX and paid a vet bill. I do not have to justify my spending to access my money. I want my money and want monetary damages. I have spent hours on this unnecessarily. I have endured stress. THIS IS AN INFRINGEMENT ON MY CIVIL RIGHTS I SHOULD NOT NHAVE TO EXPLAIN MY SPENDING TO HAVE ACCESS TO MY MONEY.
Consumer complaint received 2019-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLIANT CREDIT UNION (CA)

XXXX emailed me adverse action letter denying the application stating that they are unable to verify my identity based on the information provided. When they contacted me in an attempt to verify identity, they asked for last four of social security number, address, current employer and phone number. During application process I also uploaded my bank statement and 2 pay stubs. No other attempts to verify my identity were made. Their customer service stated that the information that I have provided does not match consumer report, but would not share what exactly did not match. I pulled up my credit report and offered them to send verification for the information on my credit report that they found not matching. They declined to release what exact information was not matching or accept any other forms of identity. I also asked if adverse action letter listed a correct reason for declining the application and they said that it did. XXXX is treating me unfairly and not providing true information on the reasons for declining the application.
Consumer complaint received 2020-09-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On or about XX/XX/2020, I called to make a payment and as I said hello, the representative ( XXXX ) said, " XXXX XXXX, '' on an open line. I'm not sure if I was interrupting her or what exactly was the issue ; however, but this is a clear violation of the FDCPA. I am behind on my account and was calling to make a payment she did give me the phone number to call but didn't give me the account number so I had to call back. When I called back I encountered, XXXX who had a defensive demeanor, he refused to provide his full name and the previous representative 's name. I can't recall if she provided it, or if I forgot because of the opening of the call. After I explained that I would be making a complaint he gave me his name and offered to transfer me and provided his name as XXXX then he gave me a Manager/Supervisor : XXXX. I spoke with XXXX and he went over my account explained that I should not fall more than 3 months behind but didn't give any information as to what would happen if I did. I currently work for the XXXX XXXX and have been since XXXX, I was receiving unemployment and that has stopped they are aware of my situation. I was placed on a 3 month hardship but it ended, I do not recall receiving a reminder that my moratorium would be ending and to begin making payments again. I do believe I'm being charged for late fees. I've had other problems with this creditor. I wanted to make this complaint to go on record about the abuse. The manager stated he would coach her ; however that doesn't resolve breaking the law.
Consumer complaint received 2022-08-11
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: CITIBANK, N.A. (AZ)

I received a product I did not order, it was a phone system. I contacted the company, they refused to budge, so I disputed it with the credit card company Citi bank and they would not budge. So I cancelled the credit card company, cancelled the bank account and filed a dispute with the credit card companies that determine credit rating. Everyone has said I need to pay. Why should I have to pay for something I did not order or want. My credit card rating went from XXXX down to XXXX. It really does not affect me as I have all the credit I need and do not carry anything over as I pay everything off each month. However if I am treated this way, how many others are also being treated as I have been, being ignored on the facts presented.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I put in withdrawal to get money from my XXXX XXXX 401K retirement account. I filled out the paperwork and XXXX XXXX stated the money should be in my Chase checking account within 2-3 business days. When 5 days passed and I did not see the money in the account, I contacted XXXX XXXX and they stated the money had been send via ACH to Chase on XX/XX/XXXX. They stated that I needed to contact Chase because they had the confirmation detail that stated the money was accepted by Chase. When I contacted Chase they stated the money was never send over. We then later realized that the account number on the XXXX XXXX from was missing a digit therefore, Chase went ahead and credited the ACH for {$2800.00} into the incorrect account number despite the Payee information provided. Such as my name, SS Number etc. When we realized what happened, XXXX XXXX submitted a recall request and was unsuccessful because the Owner of the incorrect account withdrew the money out of the account and put the account into nonsufficient funds. XXXX XXXX 's supervisor and I contacted Chase together and let them know that we were trying to recall the money and we were unsuccessful. Chase then asked XXXX XXXX to fill - Reclamation form electronically again. XXXX XXXX did and again, the recall request was again unsuccessful due to nonsufficient funds in the receiving account. XXXX XXXX contacted me and I then contacted Chase again to follow up and speak to someone. Today, XX/XX/XXXX, after over a month of trying to get this resolved, contacting supervisors, Fraud department, ACH departments, etc., they are stating they are sorry but they are under no obligation to verify any account information to ensure they correct account is credited when they receive a ACH and there is absolutely nothing they can or will do. Please help, I find it totally bazaar that Chase hold no responsibility for depositing money in a incorrect account when none of the ACH details ( such as my name, etc. ) match the receiving account. I attached all the document I have. Thank you!
Consumer complaint received 2021-03-29
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. (FL)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Made a purchase on XX/XX/2020 for {$28.00} on a XXXX website for electric bike on sale. Too good to be true. Order confirmed, shipped and delivered all on the same day. Tracking no. provided by the XXXX company was manual.Never got the delivery for electric bike. 
The credit card company asked me for physical proof. I send me them the photocopy of email transaction.I m told by the credit card company to send the details about returning the merchandise, what am I suppose to return. 
I have been denied the refund. Please do the needful. Thankyou
Consumer complaint received 2017-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This collection agency keeps adding this Fraudulent collection account to my XXXX credit report after XXXX keeps deleting the account I spoke to the collection agency and the only thing they have is a copy of an electronic contract with my name and a supposedly signature which is also an electronic signature not an actual signature or a photo ID which an electronic contract is not an actual proof that a debt belongs to a person they also keep adding the account to my credit and keeps getting deleted
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam. 

They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam. 

I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX  has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.
Consumer complaint received 2023-01-10
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-05-23
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: Franklin Collection Service, Inc. (TX)

I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except XXXX is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

1. GM FINANCIAL I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244