davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, SYNCB/PAYPAL add a hard inquiriy on my credit report per 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 2021-06-07
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. (CA)

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2023-03-17
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. (MD)

The FCRA requires credit reporting agencies to furnish information that is accurate and complete. I have repeatedly highlighted the following major inaccuracies pertaining to this XXXX XXXX XXXXXXXX Account XXXX on my Equifax credit report, which blatantly violates the FCRA XXXX 

DELETE : XXXX XXXX  XXXX ( Account No. XXXX ) for FCRA violation because of the following errors : The Account Status is INCORRECT. This account is PAID, settled in full on XX/XX/21. ( document attached ) and should not be listed as DEROGATORY.

The attached proof shows it was paid/settled in full on XX/XX/21, so why is Equifax continuing to report new payment history? 
The High Limit is INCORRECT. The other credit reporting agencies show something different. 
The Credit Limit is INCORRECT. The other credit reporting agencies who different information.

The Account Number is INCORRECT. The other credit reporting agencies show different information.
Consumer complaint received 2022-09-07
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)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; 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 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 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 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (GA)

Company repossessed my vehicle, which is against Federal Law, I tried to contact them about paying to get my vehicle back to find out that they sold my vehicle last week on XX/XX/2022. I wrote a Right of Recession to the CEO of Ally Financial and never received a reply back from him.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (SC)

We refinanced our home in XX/XX/XXXX. JPM Chase stated that we must take a XXXX and XXXX loan to accomplish the refi ( XXXX was at 7.1 %, XXXX was at 11.9 % ). We had several financial reversals, including a business failure in XX/XX/XXXX, critical medical expenses, and the need to become caregiver to an elderly relative. When we realized that we were unable to make payments on a timely basis, we contacted JPMC to negotiate a HARP refinance. We sent XXXX large loan application packages to JPMC over the period XX/XX/XXXX-XX/XX/XXXX. They were a ) lost, never received ; b ) misplaced internally because responsibility for the loan was transferred to another JPMC employee ; c ) sent to the wrong site for processing by JPMC ; or d ) rejected because the package was " incomplete ''. During this time, we were assigned XXXX different loan representatives by JPMC, to add to the confusion. We began to pay the loan later and later because of the resultant delay. However, we were only more than 30 days late 3-4 times during this period. JPMC continued to pile on late charges. 
Now, we have reapplied for a HARP refinance on the property. We have been told by JPMC Rep XXXX XXXX that we are approved, but that we must pay {$4800.00} in late fees before we can close the loan. XXXX XXXX recommended that I fax a letter requesting discretionary late fee forgiveness to JPMC 's Research Department in XXXX, which we did on XXXX XXXX, XXXX ( attached ). We have Transmission confirmation of the fax. 
Today, JPMC stated that they never received the fax, despite confirming that I had faxed to the correct #, and acknowledging that we have a Transmission receipt! This is just another stall in this series of delays and " lost documents '' which indicates to me that JPMC is not fully invested in helping consumers to get loan assistance under this government program. I am seeing many similar complaints on related internet sites. I believe that JPMC, by design, makes it so hard to utilize HARP that many consumers give up, and they can therefore continue to charge usurous rates.
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I have contacted Ally Financial several times over the last 6 months and asked them to accurately report my account information to the credit bureaus. my credit reports reflect {$52000.00} balance and my actual balance is {$49000.00}. this has been going on for months. they are also reporting 30 missed/ late payments which is incorrect. I have only been late 1 time. Ally representatives keep telling me I have to wait 45 days for them to investigate it. it has been 6 months.
Consumer complaint received 2015-06-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NV)

I am still being harassed by Midland Fund with a collection claim filed on XX/XX/XXXX with the credit bureau agencies by this firm over an alleged {$1200.00} debt. The date of last activity by the original creditor was XX/XX/XXXX. The status of limitations on this debt has long expired. The original creditor is XXXX XXXX XXXX XXXX. The State of Limitations on this alleged debt, even should it be mine, is 4 years in the state of California. 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I 'm sure this firm is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that Midland Fund has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 
The exact statute : [ XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) The legal status of the alleged debt, and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also convinced that Midland Fund does not have adequate documentation to prove in court that it has the right to report this negative information on my credit report, and therefore is in violation of the Fair Credit Reporting Act as well as the FDCPA. Midland Fund is not lawfully entitled to report this information and I request an investigation. 
Under the FDCPA I am also invoking my right to ask you to delete this alleged debt report from the credit bureaus and send the Consumer Financial Protection Bureau notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 
I am trying to purchase a home as a first time buyer and this record is affecting my ability to do so. It is in my family interest that I need to have this issue resolved.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Executive Credit Management, Inc (MD)

I moved out of a property in 2014. I discussed the move with the property manager at XXXX XXXX XXXX. She advised that there would be no late fees or collections associated with the early move out since she had a tenant who would be moving in immediately. None of the charges were for damages or carpet. Through some mis-communication, the item was turned over to Executive Credit Management who reported it to my credit bureau. I disputed this with XXXX and they left it on my file.
Consumer complaint received 2020-09-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (CA)

My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.
Consumer complaint received 2015-05-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commonwealth Financial Systems, Inc. (NY)

Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank branch informed me if I opened a checking account on-line and met several requirements, I would receive a {$300.00} bonus. The requirements were to have a direct deposit and have deposits over {$5000.00} within 90 days. I opened the account online on XX/XX/2019 and met the direct deposit requirements. I called the TD Bank customer service dept. immediately after I opened the account to ensure I did everything correctly. After 90 days I called the customer service asking where my {$300.00} bonus was and they said it can take up to 125 days. I called at 125 days and they said someone would get back to me in 48-72 hrs. After a week with no contact, I again called and they said someone would get back to me. After no contact I called again today they said I was denied the {$300.00} even though I met all the criteria for the offer. The customer service representative said that the response they received from the promotions department indicated that I failed to click a link when opening the account which disqualified me for the offer. I informed her that I did what ever the offer on their website instructed me to do and then followed up with a telcall to ensure I did the correct thing. 

I asked for a supervisor who then changed the story and said that their promotions department said there was no {$300.00} promotion at the time I applied. This is completely wrong since how would I know the details of what to do if there was not an offer. I think they are running a scam to get new accounts. I am so glad that I didn't move all of my accounts to TD Bank and tested if first.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.
Consumer complaint received 2017-02-15
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

On Saturday, I started receiving text messages out of the blue from XXXX. It says it 's from Lexington Law regarding a recent credit repair form I had submitted and to call XXXX. I have never sought out that company nor submitted any kind of credit repair form. I researched Lexington Law online and called the number given on their website -- different from the 800 number. The representative said if that was true, I would have seen a {$14.00} charge on my account, which I have not been charged. I have repeatedly received text messages from that number for days now, as well as multiple calls per day from the phone numbers XXXX and XXXX. The voicemail is a robot saying it 's someone from Lexington Law calling about my recent submission. Today, I tried to forward the text message to report as spam to XXXX. They said because it was a short code, I needed to text STOP. I got a reply back saying it will take 24 hours. I have auto-blocked the two phone numbers as well.
Consumer complaint received 2017-07-24
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. (FL)

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as Equifax and XXXX.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I cashed out my pension and went to my bank, Wells Fargo to deposit the funds. Shortly after, a total of {$75000.00} was wired out of my account. I did not initiate or authorize the transactions which were as follows : {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX I reported the issue to Wells Fargo as soon as I became aware on XX/XX/XXXX and they denied my claim of fraud on XX/XX/XXXX. 

In the course of my attempts to follow up with Wells Fargo I have been bounced from department to department, provided varying case/claim/reference/account numbers, and told on three occasions that no claim could be located and I had to file a new one, and given a different answer and time frame every time. 

My claim was denied on the grounds that the wires were requested through an online banking service using my username and password, and a one time passcode that was sent to my phone. 
I did not request the transfers nor did I ever receive a passcode. 
I contacted Wells Fargo on XX/XX/XXXX and requested the IP address for the device ( s ) used to request the transfers and the phone number the one time passcode was sent to. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in 1-10 days. 
As of today XX/XX/XXXX, I still have not received this information from Wells Fargo. 
I called again today to follow up and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process my request.
Consumer complaint received 2022-09-07
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX   ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.