davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (AL)

The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.
Consumer complaint received 2022-10-06
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. (MI)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I got a loan for a car. I made all payments on time as they were set up for auto draft on lender 's web app. The account got sent to collections due to " being several months behind on payments '' according to the representatives on the phone. They pull the payment history and they are all on time. Then they say I am in collections because I am not paying my bill. Their collections department tried to get me to settle at a reduced amount. I refused. I am now set up for a payment plan to pay off the remainder of the loan. It is showing as a charge off on credit report. The lender refuses to change this status. I tried to dispute with credit beaurogh, but they just added that all payments were made on time and left charge off. My credit is still shot when I did everything right.
Consumer complaint received 2023-01-27
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. (OH)

I have several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a XXXX. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc (FL)

I 've been a victim of identity theft. On or about XX/XX/XXXX I 've obtain a XXXX Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a XXXX 's CC that I never open. The last time that I applied for a XXXX 's CC was back in XX/XX/XXXX and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the XXXX 's CC was open on XX/XX/XXXX and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But XXXX 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. XXXX 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

I have tried to dispute the account with Synchrony BankXXXX XXXX on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1800.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I was told this account had payments made. I did not make any payments on this account. I can also provide proof that I did not make or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again I spoke to XXXX in the fraud investigation team on XX/XX/XXXX and states that they did a social media search and the email associated with my account popped up my information, I advised I do not have a XXXX card once again and the email address that I provided does not match their records for the social media search that they claim they completed. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. Also called my Attorney in Fact and advised to fax the fraud affidavit back to the organization to fax number XXXX. XXXX in the fraud investigations team was not helpful other than withholding information and then I call my Attorney in Fact to fax over the information and the claim would be open again allow 72 hours and then he asked if I had spoken to the police and i advised not since the initial police report was filed as the account was opened online using my name address SSN and phone numbers and a fraudulent email address.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

SYNCB/LOWES XX/XX/XXXX SYNCB/ AMAZON XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

XXXX XXXX, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

I HAVE REACH OUT TO XXXX MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: Resurgent Capital Services L.P. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2020-05-07
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A balance of {$13000.00} is reporting on my TransUnion bureau. The creditor 13 XXXX XXXX XXXX XXXX is expecting me to pay an outstanding amount when the account is at an upmost max of {$10000.00}. The account is 2 years 9 months old. Has been affecting my credit score for years. After multiple attempts of disputing this specific account with the credit bureaus, I have been unsuccessful and is affecting my score and chance of my approval odds to get a loan.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.
Consumer complaint received 2022-04-04
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: STERLING JEWELERS, INC. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2020-05-07
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: Uplift, Inc (NY)

I AM A VICTIM OF IDENTITY THEFT. A NUMEROUS AMOUNT OF APPLICATIONS ALONG WITH ACCOUNTS WHERE OPENED UNDER MY PERSONAL IDENTITY WITHOUT MY PRIOR KNOWLEDGE OR LEGAL CONSENT. I HAVE SINCE TREID TO TAKE ALL PRECAUTIONS REGARDING THE FRAUD IN ATTEMPT TO RECOVER MY SEVERLY DAMAGED CREDIT REPORTS. THESE STEPS INCLUDE CONTACTING EACH OF THE CREDIT AGENCIES, LOCKING MY CREDIT REPORTS, CREATING WRITTEN DISPUTE LETTERS AND HAVING THEM NOTARIZED THEN SUBMITTED, FILED IDENTITY THEFT REPORT WITH THE FTC, OPENED AN INVESTIGATION WITH MY LOCAL PRECINCT BY FILING A POLICE REPORT AND CONTACTED THE CREDIT FURNISHERS. I HAVE DONE ALL THINGS TO SHOW THE PROOF THAT I AM FRAUD VICTIM. I HAVE EVEN SUBMITTED COPIES OF THE FRAUDULENT IDENTIFICTAION AND VERBAL STATEMENTS PROVIDEDE TO ME BY THE LEAD DETECTIVE ON MY CASE. ASIDE OF THE FRUADULENT EVIDENCE I HAVE ALSO SCANNED COPIES OF MY REAL IDENTIFACATION FOR COMPARISON PURPSOSES TO EXPEDITE THE INVESTIGATION OF THE CREDIT FURNISHERS AND CREDIT AGENCIES, SO FAR MAJORITY OF MY EFFORTS HAVE BEEN A FAILURE DESPITE MY RIGHTS PROTECTED BY THE FCRA, SOME OF THE CREDITORS HAVE IGNORED MY DISPUTES AS WELL AS THE CREDIT AGENCIES, TO BE SPECIFIC XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, UPLIFT INC, XXXX XXXX XXXX, AND A NUMBER OF OTHER BANKS THAT HAVE LEFT NUMEROUS FRAUDULENT INQURIES ON EACH OF MY REPORTS.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I have a short sale offer for this property. The bank processed the short sale but did not give the buyer an opportunity to counteroffer even though the buyer is willing to increase their offer. A foreclosure will have a deterimental affect on my credit as well as make me liable for deficiency. This offer was provided to the bank in XX/XX/2019.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies (CA)

We went in to XXXX XXXX XXXX in XXXX and purchased a van. We told him we didnt have money for the down payment and started asking about our cars. With a lot of pressure we signed a contract the next day we told him that we werent able to afford that. XXXX the manager said pay or go to collections. So XX/XX/XXXX we had to go sell our XXXX to the dealer and pay the deposit. Monday XX/XX/XXXX we receive a letter saying are contract was canceled. We try returning the van and they said no.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a check from XXXX XXXX drawn on its XXXX XXXX account at XXXX A.M. on XXXX XXXX with my checking account with the Bank of America. As of today, XXXX XXXX, the check has not cleared the Bank of America! 

I called the Bank of America customer line. I spoke with a person who said that the bank was " in the process '' of clearing the check and that the funds would be available at XXXX XXXX on XXXX XXXX. 

I asked why the long delay. No answer. 

I repeated my question several more times. No answer and then the person hung up. 

There can be no excuse for not clearing a check within a reasonable amount of time which is no more than 2 to 3 days! But here the Bank of America will not clear the check for 10 days! 

Is the Bank of America using my check funds for other purposes? 

Why such a delay?
Consumer complaint received 2017-08-25
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: EQUIFAX, INC. (SC)

Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , FL XXXX ( XXXX ) XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on XXXX, Equifax and XXXX. 

I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Consumer complaint received 2017-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on Transunion, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (CA)

I am working from home and received a call from my phone/extension number from my physical work station : XXXX on XX/XX/XXXX. I answered and was informed that there were officers at my office to serve me for an outstanding debt. 
Since the call came from my extension at work I believed they were standing at my desk, which can only be accessed by badge entry, however I was not notified by any one from work of this activity. I was embarrassed and mortified that there might be officers at my work serving me papers for a lawsuit. 
The person that called me from my work number gave me the phone number XXXX and case number XXXX to call. 
I called XXXX and gave the case ID # XXXX and was informed that I am in the process of being sued and that officers were sent to my work to serve me with a warrant for an outstanding debt from XXXX XXXX  and was advised that I could stop the proceedings by paying the debt. I felt extremely embarrassed by the situation and I did not want to go through the humiliation of officers going to my work place again. I used our rent money to pay off the total of {$850.00} that was being collected from me for a payday loan I defaulted on in XXXX because my husband was unemployed. The cost included the loan balance, the cost of the officers sent to my office and the legal costs accrued. The original loan amount was for {$250.00} and the outstanding balance was {$290.00} I believed everything they told me and I do not believe their tactics to collect the debt were legal or ethical. They used intimidating and humiliating tactics that should not be used. It is bad enough that my credit score has suffered for unpaid debts, but NMRC Collections completely crossed the line. I never received any confirmation from my work that anyone was at my desk on XX/XX/XXXX and if no one was there, then someone cloned my work phone number to make me believe the situation they described to me in order to intimidate me into paying an outstanding debt! I did not receive notice from NMRC that they were collecting a debt from me in writing either.
Consumer complaint received 2021-03-04
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NJ)

My students loans were paid in full & were never late. Navient continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.
Consumer complaint received 2021-03-04
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. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.
Consumer complaint received 2017-08-25
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. (MO)

A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect
Consumer complaint received 2017-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.