davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (TN)

I received mail from FIRST FINANCIAL ASSEST MGMT, INC on XX/XX/2021. 
FIRST FINANCIAL ASSEST MGMT, INC stated I owed an alleged debt. 
In this letter it was NEVER STATED I HAD THE RIGHT TO DISPUTE WITHIN 30 DAYS Pursuant To Title 15 U.S. Code 1692g ( a ( 3 ) FIRST FINANCIAL ASSEST MGMT, INC never stated I HAD A RIGHT TO HAVE VERIFICATION/JUDGMENT MAILED TO CONSUMER Pursuant To Title 15 U.S. Code 1692g ( a ) ( 4 ) Also also FIRST FINANCIAL ASSEST MGMT, INC never stated THEY WOULD PROVIDE NAME & ADDRESS OF ORIGINAL CREDITOR IF DIFFERENT FROM CURRENT CREDITOR Pursuant to Title 15 U.S. Code 1692g ( a ) ( 5 ) Also FIRST FINANCIAL ASSEST MGMT, INC says this alleged debt is owed to XXXX XXXX Stating that is false and misleading representation Pursuant to Title 15 U.S. Code 1692e ( 2 ) FIRST FINANCIAL ASSEST MGMT, INC HAS VIOLATED MY CONSUMER RIGHTS ACCORDING TO FEDERAL LAW! 
FIRST FINANCIAL ASSEST MGMT, INC Is XXXX  XXXX & XXXX ACCORDING TO FEDERAL LAW AND Title 15 U.S. Code 1692k.

Title 15 U.S. Code 1692k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FORD MOTOR CREDIT CO. (NC)

The most recent correspondence filed with the customer Relations. Used name, date of birth/State file number and Social SecurityXXXX XXXX XXXX account XXXX XXXX to obtain an account with Ford Credit, and the information reporting on your credit report is incorrect.
Consumer complaint received 2018-02-19
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: PENTAGON FEDERAL CREDIT UNION (NJ)

Hi, This company Pentagon Federal credit union is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
Consumer complaint received 2023-01-08
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. (CA)

Someone used my information for their personal gain. 
In accordance with FCRA section 611 this company violated my consumer rights! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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)

The following accounts have properly disputed multiple times with Experian, XXXX, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX  report.
Consumer complaint received 2020-08-31
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: TRUIST FINANCIAL CORPORATION (WV)

Unsatisfactory and damaging services were charged to my credit card by XXXX on XX/XX/2020 and they were notified immediately. A dispute was filed with SunTrust, my credit card, and their ruling of XX/XX/XXXX appears to have nothing to do with the protest filed. See letter recently sent SunTrust dated XX/XX/XXXX with documentation.
Consumer complaint received 2024-03-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I am being charged a 119 % interest rate for a loan I was told to apply for at a XXXX store in XXXX, FL in order to fix my car. I have been paying a loan for {$1400.00} for over a year and I still owe over {$1000.00}. 
Now that I do research, I find out there is a lawsuit against this company, Easypay Finance where they are trapping people into predatory loans.
Consumer complaint received 2022-04-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (FL)

A solar panel loan was obtained to install solar panels through XXXX XXXX. The panels are not performing as stated in the contract and the loan company has not addressed this with the company. In the meantime I still having electric bills and also paying the installments for the loan. I have reached to the solar company and they have refused to solve the issue.
Consumer complaint received 2021-04-08
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: PENTAGON FEDERAL CREDIT UNION (CO)

PenFed Credit union sent me an approval offer for a credit card, I took the offer They approved my application pending docs and said it would be done in 24 hours I submitted docs. They requested more. I submitted more. They requested more. I submitted more.

I took the offer only based on the approval and I provided all the docs they requested I have been lied to by representatives at the company, told it would be approved and it wasnt, I was told 24 hours and that wasnt honored Given the deceptive and unethical practices I made the request to either honor the offer or delete the inquiry off my credit report and withdraw the application.

Please have the withdraw the application and be sure theyre following ethical business practices
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

My mortgage was recently sold from XXXX XXXX to Carrington Mortgage Services , LLC . I logged into their site only to find that they charge " convenience '' fees if payments are made online or over the phone. I find this practice to be excess. Why should I have to pay a fee to make my mortgage payment online or over the phone? The only ways to avoid their convenience fees are to set up on autopay or mail a check. I have researched Carrington Mortgage Services , LLC online and many consumers give them a low rating due to fees but rating them low won't get rid of the fees nor control who services your mortgage. Many of those ratings also state that they have mailed checks the beginning of each month and the payments are not posted until after the grace period is up and thus incurring late fees. So it seems that Carrington is charging excessively for nearly any payment option. This seems unfair, unethical and unnecessary. 

Also, on my VERY first call with Carrington Mortgage Services , LLC I was told that my mortgage is 5 months past due and it is in fact current. I received a statement from XXXX XXXX earlier this week showing my mortgage next due for XX/XX/2021. I asked why it wasn't reflecting any of my payments and went through the dates the payments had cleared my checking account only to have them tell me that it takes time to load everything when a mortgage is sold. According to the letters I have received, my mortgage was sold to Carrington Mortgage Services , LLC on XX/XX/2021 and servicing was to begin XX/XX/2021, but they have NO record of any payments made over the 5 months. This is bit alarming and concerning as they are showing my account as 120 days past due when in fact it isn't. I also believe there are guidelines, rules & laws that payments received must be posted in a timely manner ; it should reflect the date it was received as the payment date.I can not risk losing my home due to their lack of accounting and crediting my payments in a timely manner.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NV)

Recently, I sent correspondence to the debt collection company Convergent to dispute the debt in question and request documentation that reflects that I owe the amount in question which is {$720.00}. Per request for documentation I was only sent a letter stating that an investigation was completed by Convergent and that there findings stated that I owe the debt, I am requesting those findings that convinced Convergent that I owe that debt. Also, this account is expired under the statue of limitation here in the State of Nevada for written and or verbal contracts. This account is reflecting on my credit report as a negative account, and if Convergent can not provide the legal documentation showing that this account has not expired under the statue of limitations in the State of Nevada and written proof that this is my account. Then I am requesting this account be removed from my credit report, and no further contact from this agency.
Consumer complaint received 2021-06-03
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. (AZ)

I had a {$900.00} credit limit with XXXX XXXX  store care and they are denying they did it on their own but at the behest of Transunion my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I tried to open a bank account and was denied because of my file with XXXX and chase bank. I have never opened a chase checking account. I am requesting that chase send me the original application for this checking account that shows my wet signature. I am requesting that this account be closed and removed from my XXXX report. this account is a identity theft. 

I am unable to open a checking account and was denied access to a loan for {$8000.00} based on my XXXX report.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Hello, I've mailed in my dispute months ago and finally got a response from the bureaus saying they can't process my dispute because they don't believe its me. ITS ME. I AM THE ONE DISPUTING AND DESERVE A FAIR INVESTIGATION. The bureaus need to submit all of my disputes ASAP.
Consumer complaint received 2018-10-02
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: Dealer Funding, LLC (NC)

I NOTICED THAT XXXX XXXX PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX  AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. XXXX  has the police report and refused to remove it.
Consumer complaint received 2021-03-26
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. (FL)

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2024-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (PA)

Back around XX/XX/XXXX I'm reaching out for about the paycheck for XX/XX/XXXX the remaining balance for {$750.00}. I have done my pay part by reaching out to wellsfargo numerous times. When calling the customer service line they informed me that the check would BOUNCE back and it never did. Wellsfargo kept the money and my job never received the bounce check. So they were never able to pay me the amount I worked. This account was not mine and should not have been deposited into. The response they give me is that they can't redirect the payments because the company would have to or file a claim. I have not received my pay, which I did work for. I waited, I called. 
Wellsfargo was aware that this payment was not meant for this person but they deposited it and the person who received my paycheck ended up taking it out. This has never been resolved and I had never been able to get that money back from my job nor from wellsfargo
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

The payment was attempted online three times and failed on ( XX/XX/XXXX ) This payment was made while I was in XXXX battling XXXX and XXXX XXXX for {$250.00} leaving {$35.00}. I then attempted to pay the remainder with ( 3 ) different cards which all clearly had enough to cover the {$35.00} charge and all three were declined. 
I couldn't reach customer service until Monday as this was a Sunday. I was told it was nothing they could do. This company went on to report this {$35.00} partial payment as late to the credit bureau and charge me a {$66.00} late fee. I asked the customer service representative if they had any XXXX clauses in place to assist and did not. I made all attempts to make this payment. Their payment portal was not let me make the payment. I should have my credit file destroyed and be charged {$66.00} for a late fee for a {$35.00} partial payment. I had no idea what the misc fee {$25.00} is for
Consumer complaint received 2021-04-08
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. (IL)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-12-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (MS)

XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC sent an incorrect 1099-C early in XXXX showing I owed monies on a credit card that was discharged in bankruptcy XX/XX/XXXX. They admitted their error on a letter dated XX/XX/XXXX. Next, they sent an updated 1099-C reflecting a {$0.00} balance but used codes D and G as the reasoning for box 6. They stated that on the letter dated XX/XX/XXXX. They deny sending the form with D but I have it in my possession. The letter dated XX/XX/XXXX states that G in box 6 is within IRS guidelines. 

1. State where you obtained this information from as you did not discontinue collections, the reason the debt is protected from being counted as income was due to my aforementioned bankruptcy. 
2. Next, I do not appreciate the tone of this letter, " and will not be changed further. '' You broke the law twice, once by sending me to an outside collections company and two by sending me a 1099-C. If I would have been stupid and filed that I would have been liable for additional taxes on income I did not have to report. 
3. This is my final demand for {$2000.00} in compensation or I'm going to pursue this with an attorney and go to social media with all of the proof of how you handle your business. I have given you more than enough attempts to remedy.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CO)

I transferred money to XXXX through Western Union. 
Tracking number MCTN XXXX on XX/XX/2020 to XXXX XXXX XXXX. 
The tracking number got changed to XXXX XXXX XXXX He was never able to get his money. 
They told him they thought it was fraudulent. 
I assure you it is not.
Consumer complaint received 2017-12-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I am behind on my home equity loan with Bank of America since XXXX 2017. I took out this loan with my ex who is on the note. I have been trying to obtain a loan modification on this loan and have sent all the paperwork. the only problem is my ex is not participating. I am getting mixed answers or no answers from the representatives at Bank of America. I have been told I need a quit claim deed from my ex and then I am told differently. I am confused and frustrated as I can not get straight answers as I have been calling repeatedly with no success. All I need are the correct answers, I want to pay loan with Bank of America, but I am unable to pay all the missed payments. the loan was interest only and jumped up. Please help me obtain the correct answers so that I may retain my home and make payments on the debt I owe. thank you