davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (NJ)

For the past few months, a number claiming to be Ally Financial has called me non-stop, several times a day. I tried to block them and silence unknown calls, but then I received a text from my cousin claiming that her and her parents were receiving them as well. Whats interesting, is when calling them, the collectors claimed to be for medical debts ( despite that if you tried calling them back, the automated message is for Ally Financial ).

While telling a neighbor about it, she received a call from them as well, asking for me. My neighbor was not in my contacts list at the time.

The next day, three more family members called to let me know the same thing was happening to them. 
When I called Allys customer service line, they neither confirmed nor deny their connections to the collectors, only that they were sorry.

Several days ago, after a phone call with the CFPB, I answered one of the phone calls and asked for a professional license number. The man I spoke to ( XXXX ) claimed that they were outsourced from XXXX and the best he could give me was a VID (? ) XXXX and that the number to call him back on was XXXX. 

After that, there were several times I answered and instantly asked How are you getting my familys numbers? Only for the caller to hang up on me. 

This morning, I let them speak for a moment before asking the same question. They denied, saying my number was the only one they had on file, and I told them I have angry family members who say otherwise. I told them I wasnt sure how things worked in XXXX, but in XXXX, this behavior is classified as harassment. Interestingly, the caller claimed they were not in XXXX, though I did not let him speak long enough to find out more information. 

The numbers theyve been calling on are XXXX as well as XXXX
Consumer complaint received 2022-01-08
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. (IN)

I have file disputes with exuifax XXXX and XXXX and hitting rock bottom with all 3 like talking to brick wall and credit scores should be in middle XXXX 's not low XXXX never missed any payments and im tired. Of being treated like little child and i refuse to accept a loan from subprime lenders im not Donald Trump and im not made of money credit bureau dont want do anything dispute the errors on my report and refuse to remove hard inquiries i dont recognize i feel i have no choice but contact you i dont know what else to do
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans Continues to report incorrect information that is damaging to XXXX  score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

Caliber has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (KS)

Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. 
I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. 

The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from my credit file.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (NV)

I did not know this debt {$5700.00} was made for an apartment complex. I have tried reaching out to apartment complex XXXXXXXX XXXX about the debt in XXXX and XXXX of 2022 I was getting the run around and finally in XX/XX/2022 they gave me was a number and every time I reach I dont get any answer. I have also sent letters back in XXXX and XX/XX/2022 to verify the debt have not received anything back. I have reached out to no avail
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (OH)

There was a car loan open in my name that I didnt approve of nor knew about. XXXX XXXX XXXX keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with XXXX XXXX they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed XXXX has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

This company is dodging their duties, telling me they feel as if my complaint wasn't directly submitted by me. I am now resubmitting the complaint with a selfie of myself holding my ID too verify my identity.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX. 
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX  account. I have copies. 
I would like notify Tranwworld System this account should be handled with XXXX only. 
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX. 
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back. 
I do not truly believe Transworld is aware of this situation! 
So I am being hope that you will do the right thing. 
Thanks hope hear from you soon.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 XXXXXXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I attempted to place a freeze on my Equifax credit report ( my husband and I have now devoted 6 hours and counting to all our security risks due to THEIR data breach ) beginning XX/XX/XXXX, and again on XX/XX/XXXX, through their website and have gotten a variety of messages. On XX/XX/XXXX I received a message that indicated there was already a freeze on my report ( only options given were related to LIFTING a freeze ), even though on XX/XX/XXXX I received a message that the service was unavailable " at this time ''. This is a serious issue since to create a freeze, you are given a one time PIN # so that you are able to lift your OWN freeze as needed. Since I was never issued a PIN #, now I am FROZEN OUT OF MY OWN ACCOUNT?! This company needs to be held accountable for the consequences of their failure to protect us. They 've made millions off of consumers who were never given the choice of sharing this very sensitive personal information. All credit agencies should be held to the same standard, at minimum, of healthcare providers, i.e. HIPPA, and should never be allowed to profit from breaches by selling monitoring services! I want my report frozen, and the default should be free, temporary lifting. Please step in and protect consumer 's rights to their financial data!
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have not been receiving any monthly statements ( or periodic statements ) From Bank of America, N.A., since the new federal rule, which went into effect on XXXX XXXX, 2014, requires monthly statements be sent out to homeowners. 
XXXX
Consumer complaint received 2017-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (DE)

Company : Ditech Financial LLC In XXXX 2017, I made a payment of {$1300.00} electronically. See the details below. 1. Regular Mortgage payment is {$390.00}. 2. I included an extra principle payment of {$1000.00} 3. I had no pending late fees, escrow fees or other applicable fees outstanding. When I received my statement for the month of XXXX, I notice that the principle amount of {$1000.00} had been allocated to mortgage, interest, and escrow. I contacted Ditech via their website where I make payments www.ditech.com. I complained about all of the {$1000.00} not being applied toward my principle. They replied they would research the issue. In the mean time, I sent another {$500.00} via check by mail. When I check again in XX/XX/XXXX, I noticed that the payment was all applied to my principle. Then in XX/XX/XXXX, I noticed that the principal balance changed again and seemed to be missing about {$230.00} from the principal balance. I sent another complaint via their website in XXXX 2017. To date, I have not gotten a response about why my extra payments have not been applied appropriately. I would like Ditech to be investigated for the correct balance of my mortgage 's principal balance. XXXX XXXX
Consumer complaint received 2023-01-18
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: NAVY FEDERAL CREDIT UNION (MA)

In accordance with the fair credit reporting act XXXX  creditor, Navy Federal Credit Union has violated my rights. 

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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage Service offered to defer 3 months of mortgage payments in XX/XX/2020 due to the Covid Pandemic, which coincided with my office being closed and no staff was available to make any payments until XX/XX/2020. Carrington then reported my XXXX and XX/XX/2020 payments were late when they had promised to Defer the payments without penalty. All payments have been up to date Since XX/XX/2020. Please remove late payment comments on my report. Thank you.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a letter from Capital One Bank stating that I owed {$460.00} and that an account was opened on XX/XX/2019. I called to verify and I was told that I did not have a card associated with my name. However, I received a letter from XXXX XXXX XXXX stating that the account was sold and it was attempt to collect a debt. During the time this account was opened, I was living in the state of Georgia and was not at the address mentioned on the Capital One Bank Account.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Between XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA, XXXX Phone : XXXX ... ..My account was deliberately overdrafted on numerous occasions by processing large payments first and charging overdraft fee on multiple small purchases.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

On XX/XX/XXXX I learned of a balance that was listed on my credit report, this collection balance was reported on XX/XX/XXXX. I had no invoices or calls made to or from XXXX XXXX XXXX in regards to a balance owed for services that were disconnected on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX to dispute charges that are reported on my credit report. I informed the representative that answered the call that the balance is incorrect as XXXX XXXX XXXX were in breach of their contract by not providing services in a proper manner in accordance with the terms of our agreement. I was informed that I would be receiving a call from an internal collections agent after the phone call that lasted 31 minutes and 35 seconds. 
On XX/XX/XXXX I received a call at XXXX EST. by an internal collections representative that lasted 1 hour, 12 minutes and 40 seconds. I disputed the balance and the representative informed me that XXXX XXXX XXXX did not record information properly and there is a note that equipment was returned in XX/XX/XXXX. I informed the representative that I did in fact return the equipment in XX/XX/XXXX, not XX/XX/XXXX and I should not have a charge balance in the amount of {$810.00}. There in fact should be no balances due as XXXX XXXX XXXX XXXX XXXX was in breach of their contract. I received no invoices for the balance aforementioned in this letter. This young lady informed me that this was not my fault and she would be taking a personal interest in resolving this matter for me and I should hear back within 7 business days. 
*I received no further calls. * Today, XX/XX/XXXX I returned a call to XXXX XXXX XXXX to attempt to resolve this dispute. This call lasted 1 hour, 28 minutes, and 51 seconds. I spoke with XXXX Employee ID # XXXX and received contradicting information. I asked to speak with a supervisor and was transferred to XXXX Employee ID # XXXX and was greeted with a severe bad attitude in regards to customer service, as well as additional conflicting information the previously informed. 

I also intend on completing a letter in regards to FCRA standards, commonly referred to as a 609 form to dispute this collection record on all of my reports. This balance is incorrect and I should not be held responsible for a balance when all items in regards to XXXX XXXX XXXX were returned as requested, and XXXX XXXX XXXX was in breach of their agreement by not providing services as intended.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (CA)

On X/XX/2017, at approximately XXXX XXXX, I deposited XXXX ( XXXX ) one hundred dollar bills into the BBVA ATM in XXXX, CA, immediately after depositing the bills, I noticed there was a problem with the machine. The ATM emitted strange noises and the screen showed an error message, Take unrecognizable bills out, but the bills were not returned. The Deposit door on the ATM didnt open, and a few seconds later, the machine gave a message that it was Out of Service. I was frantic as to what to do, and I waited around for about an hour, spoke with two other customers who were unable to complete their own transactions, because of the malfunction with mine. I sent a message through the online portal and on Monday, X/XX/2017, I visited the bank and attempted to sort the problem out in person. The employees were dismissive, and wouldnt give me the time of day, rudely stating that they couldnt help me, because my problem was an ATM issue. After contacting the BBVA call center, numerous times, dealing with hangups and less than enthusiastic call center agents, and agents in the dispute department, finally on X/XX/2017 my deposit was credited to my checking account. Unfortunately this was not the end of this nightmarish experience. I was still charged NSF on that very same day, and additionally on X/XX/2017, well after there was money in my account to cover the charges. On XX/XX/17, I spoke with an representative of the bank, who identified himself as the XXXX XXXX, manager of call center in Puerto Rico. I ask XXXX XXXX about credits for the NSF charged by my financial institutions, and he told me It is policy not to credit insufficient charges ( outside of BBVA ) that  customers experience from a ATM malfunction. I asked him to provide evidence that this ridiculous claim was true, and his response was Its just known. He also told me that I had received all of the BBVA NSF that i was entitled to, but I received only XXXX out of XXXX NSF. While all the financial institutions that I am a customer to, expressed regret for my troubles, they will not reverse their fees, even though I am able to submit a letter from the bank showing a dispute and that the action occurred through no fault of my own. It seems that I am being penalized for BBVA faulty equipment and slow processing times.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

The company called my cell phone attempting to get in contact with my girlfriend 's sister. When I said it was not her number they became confused and ended the call. They did not identify themselves as a debt collection company, but XXXX search results suggest it was Midland Credit Management calling. They called today, XX/XX/2019, at XXXX XXXX.
Consumer complaint received 2020-04-13
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I had a XXXX credit card with Comenity Bank and they ended the XXXX Credit card program, I have since paid the card off and they are charging me a {$2.00} free on a closed, paid off account. The fee has no explanation, it is just itemized on my statement as a fee.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.