davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MO)

I am currently trying to work with Ally Bank to have my credit fixed. They reported my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments as 30 days late on my credit report. My payment of XXXX is due on the XXXX of every month. My XX/XX/XXXX payment of {$330.00} setup to withdrawal XX/XX/XXXX cleared my account on XX/XX/XXXX, XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX and my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. I have since made my XX/XX/XXXX payment of {$330.00} setup to withdrawal on XX/XX/XXXX cleared my account on XX/XX/XXXX. 

I called and disputed the XX/XX/XXXX and XX/XX/XXXX payments on XX/XX/XXXX and they have been corrected. Ally Bank then reported my XX/XX/XXXX payment as 30 days late on my credit report. I called and disputed that on XX/XX/XXXX, when I called to dispute I requested for the correction to be escalated because this is the second month in a row that the late payments have held me back from getting a mortgage. On XX/XX/XXXX I was told that they will escalate and to call back in a week. I called back on XX/XX/XXXX I was told that this was not escalated, but it will be and to call back in a couple days.. When I called back today ( XX/XX/XXXX ) I was told that there is no way to escalate this and I have to wait 45 days. 

Since the bank can not seem to report the payments correctly to the Credit Bureaus I can not get the mortgage I need. With this complaint, I am hoping to get my payments reported correctly and ensure my XXXX payment is not reported as late. 

The attachment has commentary for each transaction.
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (LA)

I applied for this installment loan on XX/XX/2019 for the amount of {$1200.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 673.84 %!! 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$320.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1600.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in counseling and XXXX XXXX. I am getting help for this problem. 
I have contacted Amplify Funding and asked for a settlement. They will not accept less than {$1200.00}. Making me pay a total of {$2800.00} for a {$1200.00} loan! I was told that I could pay {$50.00} biweekly but another {$1200.00} is outrageous and unreasonable!! Not to mention would take two years to pay off. 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2022, my account was unlawfully closed Pursuant to CFR 1002.7.

1002.7 Rules concerning extensions of credit. 
( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NY)

Experian is violating my consumer rights by furnishing and reporting XXXX collection  account that has already been removed from my consumer report by XXXX and XXXX because the original account was deemed to not belong to me ( see attachment ). Experian is supposed to be fair, impartial and required by law to ensure the reports furnished and reported by their company are 100 % accurate and can be held liable if not. My score was updated today ( see attachment ) however, this account is still being reported. Experian is blatantly disregarding federal law as well as my consumer rights. If this matter is not resolved immediately I will be happy to make this a federal matter.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have recently been trying to get an auto loan, but have been getting denied by the creditors because no one is able to see my Equifax credit report/score. Ive contacted Equifax numerous times and I dont have a freeze or fraud alert on my account. I cant setup an account with them to monitor my credit, I keep getting error code : NH. Ive still tried to contact them but still getting the runaround from one person to the next. At this point Im unable to get anything in my name due to this Equifax issue. Please help me!!!
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I was charged twice for my XXXX membership annual renewal. I disputed one of the duplicate charges as I only should have been charged once for my Annual Renewal. I contacted XXXX and they acknowledged that they mistakenly charged my account twice and I only should have been charged once but when one of the duplicate charges was credited back, they cancelled my XXXX membership number that was attached to my Costco Credit Card. This caused my Citi Costco Credit Card to be cancelled through no fault of my own. 

I have contacted both Citi and XXXX and they have both acknowledged that my account should be active and that the Costco Credit Card should still be open as well. Citi initially offered to attempt to re-open my account pending a Hard Credit Card Pull and I declined that authorization as my account should not have been closed in the first place. I checked my Citi account today and my Visa Costco Credit Card it is still closed.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (PA)

I have never talked to this group physically before I witnessed the east point recovery group contact my mother and discussed my debt without asking for any proper verification of identity. I have been contacting them to get information on the debt but have no been successful. They are contacting the wrong person.
Consumer complaint received 2021-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay servicing stole my house in 2016. They forged documents and stole it and auctioned it off. My family is homeless from it as I had over {$200000.00} of equity in it. And you sued them for over a million dollars. Where and who does that money go to? They scammed us and California let them. Can I get my money they stole in equity from you? The falsified everything. There is no limitation on fraudulent and illegal evictions. Nothing about it was legal. And I get no help from you when it was happening only to find out they were sued a year after this happened.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MA)

Hi, and how are? Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items.

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account. 

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX - XXXX. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

I sent an invoice to a customer for payment, which he paid. The customer later went and disputed " unauthorized '' transactions with his bank for charges and admitted via email to me that he did not mean to include my charges with his dispute. I sent the email thread to Paypal where it showed the customer requesting me to RESEND the invoice for the same amount. I resent the invoice and the customer paid it. Paypal then responds saying " the customer did not agree to pay '' and then charged me a {$20.00} chargeback fee. 

As a consumer I am mortified that a company would simply ignore my proof and then charge me for an error that is not mine. I have tried to call and have not gotten thru to anyone.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2018 my XXXX account was hacked and someone made a {$450.00} purchase on my account without my permission. XXXX sent me an email that there was fraud on my account. XXXX card services would not remove the charge. Thanks for looking into this problem. I closed out my XXXX account and cancelled my credit card and received a new one.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC. (NM)

A debt was submitted to collections based on an incorrect address. The correct address in question was for XXXX XXXX. This debt collector has the address in question as XXXX XXXX. I therefore received no communications regarding this debt from the debt collector or from the original service provider.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC (CA)

On XX/XX/2021, I set up an AutoPay for my mortgage with Loan Depot through my XXXX XXXX XXXXXXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. Loan Depot did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

Loan Depot sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called Loan Depot customer service and spoke to XXXX, ID XXXX. He informed me that Loan Depot did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why Loan Depot did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX XXXXXXXX make two payments for XXXX and XXXXXXXX XXXX mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXXXXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to Loan Depot Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Consumer complaint received 2023-03-22
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. (GA)

On XX/XX/2023 XXXX, Transunion and XXXX reported and unauthorized inquiry on my credit report, ( XXXX XXXX ). 

According to : 15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. witch they did not do.
Consumer complaint received 2020-12-31
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: CITIBANK, N.A. (TX)

Purchased a {$580.00} laptop from XXXX on XXXX XX/XX/2020 due to Covid 19 work from home and purchase another one  from XXXX with cheaper price because of urgency and return this one. XXXX has refunded {$580.00} on XX/XX/2020 but citi bank never refunded the money to my credit card. Now citi is saying they are not able to help because it is too late. I have called citi and web chat numerous time and provided XXXX 's feedback properly but never received the money. Citi indicated they are not able to help and directly work with merchant XXXX. XXXX indicated that they are not able to send a check directly to me rather only can send to the original payment method. And XXXX also indicated that they have refunded to the original payment method which is citi credit card. Citi dispute team has never refunded the money. All the communications to XXXX and citi attached.
Consumer complaint received 2023-03-22
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. (GA)

IN XXXX MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries on my credit report. I recently checked my credit report and noticed that there are several inquiries that I did not authorize or request. These inquiries are negatively affecting my credit score and I would like them removed immediately.

I did not apply for any credit or loans during the time that these inquiries were made. I have never authorized any company or individual to check my credit history without my permission. Therefore, I believe that these inquiries are fraudulent and should be removed from my credit report.

Please investigate these inquiries and remove them from my credit report as soon as possible. I also request that you provide me with a written explanation of how these inquiries were made and how I can prevent such unauthorized inquiries from happening again in the future.

I understand that it may take some time to investigate this matter, but I appreciate your prompt attention to this issue. Thank you for your cooperation and assistance in resolving this matter. 

The inquiries : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion Sincerely, XXXX XXXX
Consumer complaint received 2019-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.
Consumer complaint received 2023-03-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 15 U.S.C 1681 section 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.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.