davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (NY)

I am greatly concerned in regards to a matter I have been trying to resolve. 
My account Ally Financial Account # XXXX is reporting what I feel is inaccurate data. 
The date of first delinquency is not listed, The payment status showing a collection/charge off. Yet no payment history is listed prior to XX/XX/2020. I have reached out to Ally Financial to which I got a response dated XX/XX/2020 stating that they have received my request for more information yet I have gotten no other communication from Ally.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Missed payments in 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 XX/XX/XXXX. But on my credit report it states I have a total of 54 missed payments, not 9.
Consumer complaint received 2023-02-23
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. (CA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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 2020-11-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

Citi Bank have been horrible with their electronic systems to upload documents for verification. I applied on XX/XX/2019 for accelerate savings account. Got an email to upload my and wifes drivers license. XX/XX/XXXX we upload docs via their docusign system and received a confirmation about the same at noon. Got another email and yet another email and so other 7 emails asking to upload same docs. Despite uploading the docs 3 times, they still don't have it. After 2 weeks, I get a letter dated XX/XX/XXXX with a account number on it but no debit card. I tried to reach them via chat, their agent mentioned Citi dispatched them a week ago. After 3 weeks, still no debit card. I called them and their agent mentioned they are waiting on my license copy. How did they issue an account number if that was the case? Their agent lied to us about the dispatched debit card as well then. Now, after 3 weeks of hassle, we stil dont have debit card and all I want is to close the account and Citi tell me in writing how did they use my info and how will they delete it since I am no longer going to your customer.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

Credit Card Issuer Bank : Barclays Bank Delaware Credit Card Type : AAdvantage Card On XX/XX/2022, I was charged for the INTEREST CHARGE-BALANCE T, but I paid off my balance before the statement 's due day. 

This fee is not reasonable because I've already paid off my balance, but still get charged!
Consumer complaint received 2021-05-05
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

XXXX  XXXX XXXX, Loan XXXXPayment Sent XXXX, {$1500.00}. Payment Deposited XXXX Loan was sold to Pennymac loan # XXXX. 
XXXX  XXXX XXXX states this payment was forwarded to the new servicer, Penny Mac via wire transfer XXXX. 
Penny Mac has not credited the payment to my account.
Consumer complaint received 2019-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: QUALITY ACCEPTANCE LLC (CA)

THE COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I HAVE SENT A NUMBER OF DISPUTE ASKING THE COMPANY FOR PROOF SENDING IT CERTIFIED AND THE MAIL HAS BEEN RETURNED TO ME AND THEY HAVE FAIL TO RESPOND PROVING ME ANY PROOF THAT THE COLLECTION BELONG TO ME THIS COMPANY IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT WHICH HAS HURT MY ABILITY TO GET CREDIT FROM OTHER COMPANY ALSO PREVENTING ME TO OBTAIN A JOB KEEPING ME FROM PROVIDING FOR MYSELF PLEASE LOOK INTO THIS COMPANY THEY ARE REPORTING ACCOUNT AND THE CREDIT REPORTING AGENCY ARE ALLOWING THEM TO REPORT THE INFORMATION EVEN IF IT DOES NOT BELONG TO THE CONSUMER
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IN)

My ex was removed by the police back in XX/XX/2017 and I am getting collection calls at all hours for his bad debt. Most recent calls are coming from Midland Credit Management, I also received a call for my daughter. This has to stop. I pay my bills and something needs to be done to put a stop to this. No I did not give anyone permission to use me as a reference as they state nor the right to use my number. My number is also on the do not call list
Consumer complaint received 2022-04-03
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (CA)

I had my checking account with Axos Bank suddenly closed with out any given reason I was only made aware of this through an email in which time I immediately called the bank to inquire but was only told they didn't know why but that they had sent me a check for {$990.00} wich was my account balance at the time of the closure. on the XXXX of XX/XX/2022 I was told the check would arrive at the address I had on file with the bank within 3-5 business days. I never received any check of any kind from Axos Bank like they said so on XX/XX/2022 I contacted them to find out what was going on and informed them that the supposed check they sent never arrived. I was then directed by customer service to fill out and sign a document that they would send via email ( a declaration that the check was never received ) and I was given a reply email address to send it back when I was through filling it out and I was told that once I completed this form I would be reissued a new check so I quickly filled it out as requested and sent it back in. I got an email from the bank replying to the form I had sent in and the email notified me that Axos Bank would not be sending me another check because they had already sent one and the sent check had already been cashed. along with the shocking email was an attachment with an even more shocking strange and distorted picture of an apparent check front and back with a forged endorsement signature claiming to be mine. I immediately halted all communication with the bank because I suspect that they may be involved with fraudulently keeping my money and then trying to pass off a very obviously faked check and forged endorsement claiming to be me. I have all original correspondences via email I had with them and will attach them with this complaint to further help with any inquiries if so needed. 
thank you very much in advance for any assistance in helping me out with this.
Consumer complaint received 2019-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Suspicious activities on my XXXX XXXX XXXX report has led me to believe that someone is utilizing my personal data to open accounts with credit card companies. I would like to file a complaint to have these accounts removed from my credit report. I have included an attachment of all the accounts and new inquiries that do not belong to me.
Consumer complaint received 2017-12-20
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. (MN)

Equifax indicated on their website ( https : //www.equifaxsecurity2017.com/ ) that my information was compromised when they were breached. This was reported on by XXXX on XXXX XXXX, 2017 ( XXXX XXXX XXXX ). 

This will require me to spend a lot of extra time monitoring and managing my credit. I will need to freeze my credit with at least three agencies and pay repeatedly to release my credit info every time I sign up for credit. 

My private data is out there due to Equifax, so is also likely that I will need to maintain this increased credit monitoring and freezing for the foreseeable future.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

I went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.
Consumer complaint received 2020-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (MN)

wells fargo finally sent a letter and they understand my truck was repossessed and sent a check for XXXX that is no where near my damages, this cost me my truck that was a little over a year from paid for. I live on a XXXX income as they know and the cpi added to the truck made it unafordable and I simply was told by wells fargo I had to have the cpi they never asked about my insurance which they agree I had the same policy the whole time and yes full coverage. I need a check for at the very least XXXX that is not even all my losses, that would be more fair for wells Fargo than I but at least I could get some type of a picklup.
Consumer complaint received 2021-05-05
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law. 
Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 
Convergent Outsourcing did not stipulate whether or not you were the holder in due course. 
Convergent Outsourcing did not stipulate whether this loan was securitized as required by law.

Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy.

2. Convergent Outsourcing are a debt collector and not the original creditor.

3. Convergent Outsourcing not having full and complete records of the alleged account. 

Thank you
Consumer complaint received 2022-04-03
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: LendingPoint Holdings LLC (LA)

At the XXXX website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The XXXX website does not seem to allow for this to be disputed.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. 
This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2019-08-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/2019 I received a phone call from Navy Federal Credit Union in regards to a debt. Upon answering the phone, the individual on the line simply asked if I was the account owner and proceeded to disclose information related to the account. I was told the exact amount of money owed on said accounts, the nature of my past communications with the bank ( citing exact details about the phone call ), all without actually verifying my identity. Once I presented the question " Aren't you going to verify my identity? ", I was told that as long as they had my name there was no further verification necessary. 

They stated on multiple occasions that this is to be standard procedure and the supervisor I spoke with read off the Navy Federal Policy on out going calls. Had this been a phone call regarding something trivial, that would be one thing. But the representative on the line insisted that I was in the wrong and this procedure was acceptable. After getting off the phone I called NavyFederal to speak to a supervisor in a department outside of collections and the employees in those departments had a contrasting and profusely apologized for the incident. I don't know how this works, and even though it was me in fact answering the phone, that doesn't mean it won't impact somebody else in the future.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MO)

I never received a notice from the ORIGINAL creditor which was XXXX XXXX XXXX. My insurance covered the visit and the amount billed to me was incorrect. I talked to someone over the phone and said the bill was fully covered through my insurance. Months later I got an email from XXXX XXXX stating I have a collections account from XXXX XXXX audit for {$68.00} which is only reporting through Equifax. This contract was CANCELLED and this collection company does NOT HAVE A CONTRACT
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC (MA)

Received a letter From Northstar collecting debt from a credit card company that an account was opened using my identity. I requested documentation North star did not provide. North Star 's letter states I will experience tax consequences which that language is unacceptable.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

PMAB contacted me about an alleged debt which is medical dated XX/XX/2019. I asked the company to validate the debt to which they sent an itemized statement dated XX/XX/2019. I responded to PMAB to ask first of all how did they get ANY of my information from XXXX XXXX? I never signed a HIPPA release form, so how did PMAB receive any information about me true or false how does this company know me? I have since asked PMAB to provide me with a contract with my signature that shows I have or had agreed to enter into a contract with a third party concerning my private health info.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

hello today is XX/XX/2019 i pull my experian report its a account that been killing my score with alot off miss leading late dates that is not correct and i been trying to get experian to fix this accounts for months now and they will not budge XXXX and XXXX have fix the problem with in 30 dys by removing the whole account off my report the account iam talking abount is Accunt # XXXX XXXX XXXX payment stautus charge off balance {$15000.00} original balance {$13000.00} ok here are the tricky part the have over 5 120  days lates its not ture and i demand experian to fix this asap or remove the total account off my report they have alot of 90 day and 30 day lates that is a fraud and they will not remove of fix nothing they just run my dispute in there computer system and keep coming back verfield but thats not right i work 12 hrs a day and i be XXXX if i can let experian get away with the service they run over there why is it so hard to remove this XXXX off my report they just pray on people to live with bad credit rest of there lives plz i need this account to be fix NOW