davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX  XXXX {$9000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$17000.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX  XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX   XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

Ordered some king crag from a site that was a fraudulent site, disputed the claim with chase bank they put money back in my account and then reversed the fraudulent charge back to my account because the site sent them a fraudulent tracking # and date it was delivered to my home through the email. Which it was not delivered. I gave the chase bank manager the document that shows that the site was a fraudulent site. Plus the XXXX XXXX  has a notice that this site fraudulently used their home page to do this fraud. The XXXX XXXX Site itself has a notification on its front page of this notice of the site XXXX does not exist.
Consumer complaint received 2019-01-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards. 
I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.
Consumer complaint received 2021-01-09
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

This is for a move out at an apartment I lived in, the walk threw was complete and no damages were found and we mutually agreed that all is good. Later, the Apartment claimed that I damaged the carpet. I never did and no proof was provided, no court order and no agreement during the walkthrew and now they have reported that I owe them {$600.00} and sent it to a collection agency without the proper legal ground since I never caused this and I need to get a ruling on this from the CFPB so I can have creditors response prior to hiring an attorney to take legal action.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The below account does not belong to me. It was open as a result of identity theft. These accounts were open while I was serving overseas in the military. 

Company : XXXX XXXX XXXX XXXX Account opened : XX/XX/y2019 Balance : {$5100.00} Company : XXXX Account number end : XXXX Account opened : XX/XX/2019 Balance : {$40000.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$7400.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$1100.00} Please remove this account from all 3 credit agencies. I have submitted several times FTC reports letters statements and police reports, just to have my request ignored or denied.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OH)

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update XXXX. Instead, a late payment for XX/XX/XXXX was added to my XXXX report. This was impossible because because the account closed in XX/XX/XXXX XXXX. 

I sent them several emails requesting that XXXX  be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my XXXX report and the late payment for XXXX was still showing on my XXXX report. 

I called again and no one would help me. I sent another email and received no response
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Vehicle Solutions Corp (FL)

I bought a SUV from XXXX in XXXX XXXX, FL. I was having issues with them from the very beginning. They never in 6 months gave me a tag for the vehicle. They gave me a temp tag. After that first month they gave me a second temp tag. Months 3 they said they couldn't give me another temp tag. Problem is they never got my tag from the XXXX. I called the XXXX and they said that XXXX would have to get me a tag. At that point I had been stopped by the police because they never gave me a tag. I was riding around for 2 months with an expired temp tag. I went back and they gave me a third temp tag. I told them that I can't keep waiting for my tag. They said it would only take a week for my tag to come in. A week later, still no tag. After that month the third temp tag is now expired. Because I never got a real tag from XXXX my vehicle was towed from my appointment complex because of expired tags. When the vehicle was towed I told them that they can just take the vehicle back because I was tired of dealing with the waiting game that never ended. On top of that the loan company never sent me any paperwork for my loan and lost my first payment saying it was never maid when it was clear as day taken out of my account and the payment was made at the dealership.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (OH)

Pay Pal Credit sold a debt to XXXX XXXX XXXX I have for the past XXXX  years requested the original application/validation demonstrating that I personally applied for this loan. 

They have not provided this documentation. The mailing address that they have was for my business. I did not apply or authorize this loan, I believe that an employee ( former husband and controller ) applied for the loan without my knowledge. 

They state that because there were payments made and that this is sufficient validation. I have requested documents related to the methods these payments were made by me ( ie check, another credit card ) which I have not received. 


In summary I believe that I should be able to obtain the original application and what form of authorization I made for this debt. 

I am unable to proceed with other action related to use my name and information fraudulently without proof.The negative report has impacted my credit as well.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

HI All, I have been trying to get in contact with the customer service team at MOHELA, which is a student loan provider. They are unattainable and their wait times are hours long. I have waited 3 + hours on the phone. No one responds and the line just suddenly cuts out. 
My complains are urgent. This is very frustrating, it has been days and I have not been able to get to them.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from them.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC. (PA)

In XX/XX/2022 I started selling my stocks from Robinhood in bulk and they did not like it. While processing a return for a camera that was close to {$4000.00} to XXXX XXXX, they only refunded me {$1300.00}. I asked if they could provide proof of all transactions from my account and they refused to do that. I found a dispute against XXXXXXXX XXXX located in New York who Ive worked with since I was a little kid in my parents store with XXXX other siblings. Robin Hood sent me a letter almost 120 days later telling me they would not solve or provide what verification and or alternative actions to assure the safety Of my consumer protection. This led to another claim against you printing Not far from Robinhood. After the dispute was submitted I was told by phone I would receive a provisional credit as it is their policy which was not true in my case. I sold my stocks in good faith without paying attention to what other people had to say and learned its important to balance both with an open mind. This all happened after having to bury two family members because Im the breadwinner in the family. Robin Hood eventually close my account and limited my access to use the app. This XXXX me from messaging on the app, sending emails to the correct department even though I was quoted it will be forwarded to the correct department, not to mention they did not verify my account security and identity until I Threatened to file a federal case which could have resulted in justice at the time they last settled. Lastly, My stock values provided security Which required two years of 80 to 100 hour weeks of commitment. I will not give up nor settle for action not being taken. They owe me nearly {$25000.00} of funds that were paid to them either in error which I hope they can confess, or in the stock prices they made me pay more for as well as the claims That were filed against two of the hundreds of merchants who learned their lesson already or not. I really appreciate you guys. I came from nothing, grew up in over XXXX XXXX XXXX and always had a dream to follow. I am an XXXX XXXX XXXX XXXX XXXX XXXX  And the list surprisingly and gratefully grows in accordance to the Law of civics. I will conclude by extending not only my trust but also my optimism for a greater outcome within Robin Hoods institution And truly wish them much success and abundance. Kindly, XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (PA)

Credit control is dialing XXXX is on a daily basis looking for a XXXX XXXX. I don't know anyone by this name this person is using my phone number to escape from his debts. I received this phone number from XXXX XXXX XXXX in XXXX i had this number going on for 3 years now. I recently gotten calls the week of XX/XX/XXXX they are looking for this person XXXX XXXX. I don't know who they are a this is a debt collector for this person i asked them to stop calling but this company is calling me like 2 to 3 times a day and the last phone call of the day ends at XXXX XXXX. These people keep asking for XXXX XXXX. I have this feeling this man used my phone number to not be bothered with his debt he owes to these people. I talked to them in person over the phone and they said sorry that they will remove the number and now i am getting robocalls from these people. They keep calling from XXXX. I even asked them to stop calling or mail that person the information so they can call them but these people are not getting the memo. I don't know how they got my number but i am asking you to intervene to stop these people from calling my home number i don't know who they are looking for. 

The phone calls are for some man name XXXX XXXX and i don't know a XXXX XXXX. 
they are obviously are dialing and robo dialing a wrong number or this man is using a phony number to get out of any debts he owes i am being bothered 2 to 3 times a day and this stuff did not happen to me recently this number was never used by XXXX - XXXX they told me this is a unused and fresh and new number. So i would like for your help to stop the unwanted calls from these people this is a unknown person using my phone number. There is people out in this country that is very dishonest and they randomly use peoples numbers for services or what ever and when they slip into collections people like me are being bothered by these people and it is not right and unfair. 

I like to have a peaceful nite without keep answering a phone call that is not for me that someone used my number. I think that is ludicrest. 

This complaint is for unwanted calls, annoying calls, and a debt collector that is robo dialing someone that is not using this number. I think either they are not remembering there home number or using my number because they want someone else to deal with their unwanted calls.
Consumer complaint received 2021-08-20
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

XXXX  replaced their old credit card servicer with Barclays Bank. I received my new card in XX/XX/XXXX. I hadn't received a XXXX bill for several months prior to that. I received my first XXXX  Barclays statements at the beginning of XX/XX/XXXX ( period XXXX ) At that time I called and requested the fees and interest be removed because I hadn't received a statement in several months. I was told the amount would be {$350.00} which I promptly paid on XX/XX/XXXX. I received my next statement and it still had the original balance ( with fees and interest ) and new fees and interest. My payment had not been credited. I spoke with the credit card company again ( Barclays ) and explained that I had paid and not only shouldn't there be a balance but also should not have fees and interest because it was paid. I then submitted another payment on XX/XX/XXXX through my bank XXXX for the amount of {$350.00} ( the original charges minus fees and interest since I shouldn't have any ) .I now have a balance which quite frankly I'm not sure what component are fees and interest ( which I shouldn't have any because 1. I didn't receive a statement for several months when they were in transition and 2. I paid immediately the first bill I received when the new bank told over XXXX  credit card. I Now have a balance {$490.00} which again, I'm not sure how they got this balance especially since I paid twice I should have a credit. Please help
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC (NY)

- DEBT COLLECTOR CONTACT WITHOUT PRIOR AUTHORIZATION OR CONSENT AS PER 15 U.S. CODE 1692c - DEBT COLLECTOR COMMUNICATING WITH A CONSUMER REGARDING A DEBT BY POSTCARD. VIOLATION OF 15 U.S. CODE 1692f ( 7 ) - DEBT COLLECTOR USING MISLEADING LANGUAGE TO IMPLY THAT THE DEBT COLLECTOR 'S COMMUNICATION IS FROM AN ATTORNEY OR THAT THE DEBT COLLECTOR IS AN ATTORNEY. VIOLATION OF 15 U.S. CODE 1692e ( 3 ) - DEBT COLLECTOR KNOWINGLY TRANSFERRED, POSSESSED, AND USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON. THIS IS A DIRECT VIOLATION OF 18 U.S. CODE 1028A ( a ) ( 1 )
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. These accounts have shown as " VERIFIED '' by the XXXX XXXX XXXX. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there, 15 USC 1681 sections 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions. 

The below listed accounts are inaccurate and is improper use of my credit report... 

XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Texas XXXX XXXX ( Closed Charge off )