davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Legal Group, PC (IL)

XXXX XXXX XXXX served me for a debt from XXXX bank from 2004. I understsnd i had a balance but i was charged almost {$4000.00} in fraudulent charges from a kiosk cellphone place ( XXXX ). It was a few months later that i realized about these fraudulent charges. I called XXXX bank to inform them and they told me that it was to late to file a claim. Now 16 years later i was served because they are trying to collect over {$22000.00} that i owe. I spoke to Resurgence Legal Group , PC and explained the situation. They filed a dispute for me. Days later they called me back and told me that the bank had validated these charges and sent me paperwork on XX/XX/XXXX. I explained that i have not received anything and they continued to ask how i would like to pay the balance. Today is XX/XX/XXXX and i still have not received any kind of papers validating/verifying these transactions.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I was in the process of selling my home and discovered that PORTFOLLIO RECOVERY SERVICE has placed a lien on my home for a debt that I do not owe, I called ( XXXX ext ( XXXX ) I spoke with Ms. XXXX, she advise me that the information she has on file was discharged under my bankruptcy in 2013 and she did not see anything else with my name on it for the amount of this Lien. I asked how can this company just file inaccurate information and cause tremendous harm, and damage to a persons life without being sure of the debt. she stated that they do make mistakes from time to time. I have requested along with my title company that PORTFOLLIO RECOVERY SERIVICE remove this negative information or for them to please send the proper paper work to show that this is NOT my debt.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.
Consumer complaint received 2020-11-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (NJ)

I bought my XXXX XXXX off the lease at the end of XX/XX/2020. I financed it through the ford dealership, they used XXXX  XXXX. XXXX XXXX did not send the money to Ford until mid XXXX causing a payment to exceed 30 days in the amount of {$370.00}. I am arguing that the late payment on my credit report is not due to me being late on a payment but is due to the ford dealership not sending in my payoff amount to ford on time. I called ford and they spoke to the dealership to have them send in the payment and paperwork but I would like that late payment removed from my report. 

Thank You
Consumer complaint received 2020-11-30
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: Credit Plus Inc (TN)

On XXXX. XXXX, XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (CO)

The company listed as " Monarch Recovery Management '', phone number XXXX, has been constantly calling me on a daily basis. I have no debts owed and they are trying to aggressively get me to pay money that I do not owe by constantly harassing me. 

I have contacted the company numerous times to stop calling me and they confirm each time that they will cease all calls to my number. They just keep calling multiple times a day and have ignored my requests to cease their harassment. 

This has been ongoing for several months and it is terrible.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CO)

I currently have an auto loan with XXXX XXXX. I was financially strained by COVID 19 and utilized the forbearance option with Flagship. Although I was in forbearance, they still reported my XXXX payment as late. This caused my score to drop 48 points. I have spent the last 2 months trying to have someone reverse the derogatory remark from XX/XX/2020 but it has been to no avail. They have done nothing but give me the run-around. Today I tried once more, reminding them of the Cares Act and how it is illegal to report delinquency when the loan was in forbearance. However, they continued to give me the run around, repeating the same message, to go back to the credit bureaus and request that they remove it. I have spent countless hours on hold with this company, being passed from agent to agent with zero success. A friend suggested I reach out to the CFPB to handle it once and for all.
Consumer complaint received 2017-12-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Credit Resolution, Incorporated (TX)

XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-11-17
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. (CA)

I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

I prepaid entire lease in full as he brought the car. 
When lease ended in XX/XX/XXXX, I tried to return it to the dealership But the dealership, XXXX XXXX GM went out of business I went to several dealerships,, XXXX XXXX, XXXX and XXXX XXXX and no one would take car. 
I called gm and they said try XXXX XXXX GM I went to XXXX XXXX, gave them the car, they didnt give me a receipt and they had nothing for me to sign. I asked who does he need to pay, and the dealer said, they didnt now and that GM would send a bill and for to wait for it In XX/XX/XXXX I received bill from GM and paid bill. 
A month or two after a {$80.00} bill came and he immediately paid. 
In XXXX I ran my credit and it shows late payments. 
No notice of past due amounts were sent, no phone calls were made and for no reason I was marked late. 
After he paid he got another bill on XXXX stating {$35.00} more is due ( see bill in folder )
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-09-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

I am a victim of identity theft. 
Due to Goldsman Sach USA last response to my complaint ; " Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA ( the Bank ), received the above referenced complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. We appreciate the opportunity to address the issues raised by XXXX XXXX XXXX ( Mr. XXXX or the Customer ) and the CFPB. Mr. XXXX complaint alleges that a personal loan ( the Loan ) was opened with the Bank on XX/XX/XXXX without his authorization or knowledge. The Bank conducted an investigation into Mr. XXXX complaint and determined he remains liable for the Loan. According to our records and investigation, the Bank successfully verified the Customers personal and account information with our procedures during the Loans application and origination. Additionally, the nine ( 9 ) successful payments made towards the Loan came from the same external account that the Loan funds were disbursed to. The Bank has verified that this external account was owned by the Customer. Given the payments to the Loan, as well as the Banks confirmation of the information provided at the Loans application and the consistency of which this information ties to the information independently provided by the Customer, the Bank has determined that the Customer remains responsible for the Loan. A response to this complaint was sent directly to the Customer. Based on the above details, we kindly request this complaint be closed. '' I have received my XXXX XXXX account with XXXX Bank statements used to open the account for the loan was in deed FRADULANT. Under The Fair Credit Act. I request that Goldmans Sachs Bank USA send confirmed authentic copies of the information used to open the fraudulent account in my name. This includes, Emails, Bank Statements uses to apply for the loan, Payment history for the account and any other information regarding the fraudulent account. I have my XXXX XXXX Copy of banking history I would like to validate Goldmans Sachs USA information. Under The Fair Credit Act, and my rights that I am exercising under this act, you are required by law to send all information on the fraudulent account to support your claim.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed some unauthorized inquiries on my credit report and i immediately contacted the credit bureaus with the proper information to get the inquiries with no consent removed ASAP. I followed all of their rules but they are still reporting on my credit profile. How is that possible? 15 united States Code 1681c-XXXX is suppose to protect us against this type of stuff. Please help.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and NAVY FCU with no successful resolution. XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ) and I was never 60 days late ( XX/XX/2018 )
Consumer complaint received 2020-09-01
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: NAVY FEDERAL CREDIT UNION (TX)

I have a loan with NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX   I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-12-11
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. (IA)

XX/XX/2020 I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX disputing two alleged accounts they say I owe. I do not agree I owe. Amounts of {$930.00} & {$1100.00}. Giving 10 business days to XXXX to receive my letter would give XXXX 30 days or approximately XX/XX/XXXX to reply with verification or validation of debt. I have received no response from XXXX validating debt it has been 80 days but they continue to falsely report to credit bureaus & Experian refuses to remove a debt XXXX did not validate to alleged account holder within 30 days. So theres a very easy solution. Experian simply ask XXXX to provide proof of a debt validation letter they sent me within 30 days after I disputed these debts. My dispute letter to XXXX on XX/XX/2020 clearly displayed my name, the two accounts in disagreement, and my full return address, yet XXXX  provided me with nothing to prove the alleged debt.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (KY)

My credit report shows that I have a charge off on this account of {$370.00} for a XXXX XXXX XXXX credit card that I never had, I have sent a letter certified to this company disputing these charges and have not heard back, Below is the information reported on my credit report from the 3 credit bureaus and they are as follows : XXXX : 1. XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, High Balance {$370.00}, payment status-Legally paid in full for less than the full balance XXXX : XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, Account Status ; Closed, PAYMENT STATUS ; BAD DEBT & PLACE FOR COLLECTION AND SKIP, Comments : SETTLEMENT ACCEPT ON THIS ACCOUNT. PAID CHARGE OFF XXXX : XXXX XXXX XXXX, DATE OPENED : XXXX/XXXX/XXXX, HIGH BALANCE : {$180.00}, ACCOUNT STATUS : CLOSED
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NY)

I spoke with a representative on more than 2 occasions filed a dispute by letting them know I never authorized any one to run my credit. They submitted a dispute but some how it came back verified and the credit reporting agency never removed the inquiry
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (LA)

I did not authorize any of these inquiries XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2021-10-19
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: DISCOVER BANK (SC)

Consumer Financial Protection Bureau : I wish to dispute any and all association with Discover Card credit account tied to my credit score. At no time have I ever had an account with Discover Card, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history.

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with Discover Card was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a Discover  Card, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted Discover Card dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only Discover Card associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a Discover Card with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the Discover Card. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. Discover is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established. 

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to Discovers refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I was with Nationstar XXXX Mr. Cooper before they sold my mortgage to XXXX. I applied for loan modification in XXXX with Mr. Cooper and never completed it or gave a decision. Just said it was with underwriters. XX/XX/XXXX they sold loan to XXXX, I called on XXXX to XXXX and they have none of the paperwork. So obviously I have to probably start all over again. I had forebearance and now Im so far behind. Though Ive been trying to get modification since XXXX. First they said I couldnt but because of Covid they said in XXXX to put in for modification. Yet they sat on it! I dont want to lose my home! I am too old!