davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collins Asset Group, LLC (VA)

I was late on an account from XX/XX/XXXX to XX/XX/XXXX with XXXX. I subsequently made the three missed payments and have been up to date and current since then. However, I received a collections letter from XXXX XXXX XXXX XXXX with the amount for the XXXX loan on or around XX/XX/XXXX. XXXX XXXX XXXX XXXX has reported this as a collection account on my credit report. I have spoken to them several times, On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account but to keep making payments to XXXX. I spoke with XXXX on XX/XX/XXXX and XX/XX/XXXX. They advised me that they own the account and did not know who XXXX XXXX XXXX XXXX was. I never received an opportunity to validate this debt with XXXX XXXX XXXX XXXX. They refused to provide me a copy of the original validation letter on XX/XX/XXXX. I have disputed this account with all three credit bureau 's but they did not remove this account. Attached is proof i have been making payments to XXXX and not XXXX XXXX XXXX , XXXX. XXXX did move to a new computer system in late XXXX, I am not sure if this affected my loan and caused errors, it is very disturbing.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Harvard Collections, LLC (NC)

after checking my credit report on credit karma on XX/XX/XXXX an amount of {$2700.00} was placed on all 3 credit reports from Harvard collection on XX/XX/XXXX regarding an overpayment of benefits from the Illinois Department of Human Services. I contacted Harvard collection agency to dispute the collect. I was told that it was an overpayment of benefits from XX/XX/XXXX to XX/XX/XXXX. I was a single mom of 3 and any benefits obtained were in compliance with the departments rules and guidelines existing at the time of issuance. In the past 30+ years I have never received any documentation or court orders signed by a judge regarding this matter. What applicable statutes are they working under. I have contacted an attorney regarding this collection. The attorney contacted Harvard collection and has sent an appeal to them on XX/XX/XXXX. In return I have received via mail a document starting Hearing Scheduled Letter for XX/XX/XXXX @ XXXX via phone call. There is no court order just an appeal number listed that my attorney has responded to. This is the first time I have ever heard of this collection. Why now why this moment 30+ years later.
Consumer complaint received 2017-06-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have submitted all the paperwork requested in XX/XX/XXXXand XX/XX/XXXX. I resubmitted all this paperwork after I learned by accident that Carrington had rescheduled the foreclosure of my home of 29 years.
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This process started with XXXX XXXX XXXX and my loan was transferred to Carrington in XXXX. This never ending submission of forms have been going on for 5-6 years while I live in fear and XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2021-01-31
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. (GA)

On XX/XX/XXXX I mailed in a letter to all three Credit Bureaus to dispute inaccurate and fraudulent information that was being reported on my credit reports. I have not gotten a response back nor have they resolved the the problem. I followed up with a 30 day failure to comply letter on XX/XX/XXXX. All three Credit Bureaus still have not responded nor deleted the inaccurate information. I have also disputed wrong addresses that are on my Credit Files which do not belong to me. XXXX, TransUnion and XXXX  are all violating my rights of responding to my letters in 30 days. I am suffering a lot due to these inaccurate and fraudulent accounts. Please delete these negative and inaccurate accounts and wrong addresses.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before. 

However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX. 

XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist. 

For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused. 

I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account. 

I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase. 

I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high. 

My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand. 

I want My credit score back.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

There is an item I have disputed several times reflecting XXXX which the first date of delinquency has been past 7 years, the late payments reports every month balance, past due balance on this stated collection. There is nothing accurate about this account. I am requesting some assistance from your company
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NJ)

I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed with me.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

Citibank pulled my XXXX credit report on or around XX/XX/2018 without my authorization, placing a hard inquiry on my XXXX credit report 1. ) I am requesting why Citibank pulled my XXXX credit report on or around XX/XX/2018? 
2. ) Did Citibank also recently pull my XXXX or XXXX reports? 
3. ) Did Citibank pull my credit report concerning a new or current account? 
4. ) If a current account please provide that account number? 
5. ) if Citibank claims they pulled any of my credit reports in the month of XXXX under a Permissible purpose as defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]. Please state the SPECIFIC reason?
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (AR)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

XXXX XXXX added remarks on my account that state Im a victim of a natural disaster. This information is false. I did not ask for this information to be added nor is it in any way accurate. Also I have an excellent payment history with a {$0.00} balance and the decreased my credit limit by {$1000.00}. Both of these actions have caused my credit score to drop dramatically. Please remove false remarks from my account immediately.
Consumer complaint received 2017-09-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial (VA)

I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc. (MS)

my banking account had been compermized by someone i recieved an email stating that my Primary e-mail addres was being unlinked from my cash app account then i recieved an email saying my number had been unlinked, so i immidiatly tried to log into my avcount i was denied access and at the time i was in the mist of fillling mytax refund when i was rejected saying that my social security number has already been used in a resent return. Ive reported this matter to the FBI and IRS, and i also requested a refund for every transaction that was not made by me i never ajurthorized any of this i was very unaware of this situatuation this, has led me to have a change in myh residence and income.
Consumer complaint received 2017-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. I have previously disputed this information with XXXX  however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : Capital One - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (OK)

My husband wrecked his vehicle XXXX XXXX XXXX in XX/XX/XXXX. Up until then we were current on our truck note to Ally Financial Bank. The truck was rendered totaled by the insurance. We also notified the bank of the wreck. The bank Ally Financial gathered information from my husband that they needed to file with GAP so what our car insurance did not cover GAP could pick up and finish paying off the loan with Ally. My husband sent in the items requested for the bank to send to GAP which consisted of Affidavit of Accident ( Notarized ), Gap cancellation Request form, Gap claim checklist, a copy of the insurance company 's settlement check, and a copy of the official Police Report. We informed Ally Bank ( this had happened to us before ) we had received a letter from Gap stating if they did not receive all information they requested within 90 days they would not pay the remainder of the loss. Ally assured my husband they had everything they needed and it had already been turned in to Gap and everything would be taken care of. On XX/XX/XXXX we received a letter in the mail from Gap stating they did not receive everything they needed and was therefore relieved from their duty to pay off our vehicle. My husband again called Ally and informed them of the letter we received from GAP and they stated no they had it taken care of. When Ally started calling us wanting payments again around XXXX of XXXX my husband informed them they had said they had taken care of the payoff with Gap but received a letter stating otherwise. We then started receiving bills again in the mail from Ally for the totaled truck. I started making payments again on the truck since they did not take care of the issue with Gap. I sent a check for {$530.00} on XX/XX/XXXX. I also went on credit karma and filed a dispute because I felt like we were having to pay for something that Ally stated they had taken care of with Gap. After filing the complaint I no longer received another bill in the mail from Ally but there was a negative remark on my credit report from them stating " {$4000.00}, In Collections/ChargeOff, Account Status Derogatory, Charged off as bad debt Dispute resolved ; customer disagrees Closed XXXX XXXX '' Now I have started receiving a bill from their collections department. I had spoken with Ally prior to the collections and informed them since they had our conversation recorded then they should be able to pull it up and see where they informed my husband they had stated they had all the information they needed for Gap and that we no longer had to make payment since the truck was totaled Gap would take care of it. They said we are still liable and it would effect our credit if we didn't pay so that is why I started making the payments again XX/XX/XXXX. Then I never received another bill from Ally Financial after my payment and they added on my credit report they wrote it off and put negative remarks on my credit and sent it to collections.
Consumer complaint received 2021-01-31
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: CITIBANK, N.A. (FL)

since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. 
all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. 

Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, XXXX and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.
Consumer complaint received 2017-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Sometime ago, approximately XXXX XXXX, I called and requested that they update my educational loan that had been paid off around XXXX. Next thing I know, my Equifax score dropped XXXX points. I have tried to dispute this but I get a runa round about having to file a dispute with the account but it appears the account was simply deleted and my " Age of Credit History '' has been shortened causing a huge ding to my score. On top of that, they have negative reports on an account that I do n't have the history of credit for which hurts me even further. 

I have worked very hard to get my scores back up from being financially challenged a decade ago. Equifax is the only one that is lower than XXXX and they do n't seem to want to help or since the item was deleted, they XXXX not be able to help? I am so furious that I ca n't think straight anymore about this. Please help.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc. (NJ)

This company has called me multiple times this month, almost every week. They call off of the same number or different numbers. I received my first call on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They have also left me voicemails one on XX/XX/XXXX, XX/XX/XXXX. I have told the company to STOP contacting me as I never was able to speak with the sole person who was in charge of my debt. They sold it to a collections agency before I could even make a payment.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

My 2018 tax return was taken to pay off this debt I had for Transworld Systems Inc for my XXXX XXXX Credit Card. By the statement I received on XX/XX/XXXX it stated that my balance before payment was {$6200.00}. A payment of {$4600.00} was made onXX/XX/XXXX. This  credit collection agency only applied {$1400.00} to the balance. If they applied the whole amount that was paid on this account the balance would be at {$1600.00}. I have reached out to this company to provide me a itemized bill but they have never sent me one. They have taken the payment and not honestly applied the right amount to the balance on my account. The have refused to provide me any itemize statement of where the remaining money I paid was applied to.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-31
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. (AL)

XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Finance Companies - non specific XXXX  XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX  XXXX Auto Financing XXXX Finance, personal XXXX  XXXX I Credit card and travel / entertainment companies XXXX XXXX Finance, personal XXXX XXXX All Banks XXXX XXXX  Mortgage Reporters These unauthorized inquires I've sent on XX/XX/20 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.