davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (GA)

Hello, my complaint is with Titlema x in XXXX, GA. My husband and I took out a title loan around XX/XX/XXXX/XX/XX/XXXX.. In XX/XX/XXXX my mother in law passed and we received an insurance settlement in XX/XX/XXXX. In XX/XX/XXXX I called XXXX  to get a payoff and they told me it was around {$2100.00}. I don't recall the exact amount but I went in personally and paid this amount to avoid the {$80.00} electronic fee. I waited for my title for several months. In XX/XX/XXXX I contacted them about my title and was told that I needed to pay for the transfer of names on the title. I paid that fee and still continued to wait for the title to be mailed to me.

Around mid XX/XX/XXXX I received a text that Titlemax was looking for a payment or the car would be repo 'd. We were stunned to say the least. After paying off the vehicle and making a separate payment for the title transfer, Titlemax was claiming they never received any such payment on last year. I can't find the receipt of payment but I know they're establishment is video recorded, 24hrs. They could have at least pulled the tape to confirm this act of me coming in and paying the vehicle off. Why would they ask for a title transfer fee if the vehicle wasn't paid off anyway?

At the end of it all, they repo 'd my car 3 weeks ago. They took my money, my car and have greatly disrupted my home financially. My husband is a XXXX XXXX XXXX with an injured XXXX  and has been catching the bus & train on a 3 hr commute to work ever since. This is just wrong. If I had the money to sue, I would. This company must answer for this. Please help us.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2021-05-16
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. (GA)

XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXXXXXX XXXX and was removed because the company could not provide legal verification of the debt as per the FCRA. XXXX and Equifax removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the XXXX. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If XXXX and Equifax doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ( Original Creditor : 11 XXXX ) XXXXXXXX
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: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (CA)

Hello, On XX/XX/2019, I opened a checking account and an investment account with MoneyLion Inc . The fine prints mentioned that as long as I make several direct deposits into the accounts, I will be entitled to a welcome bonus up to {$690.00}. 

In the next few months, I did several direct deposits from my salary ( up to ~ {$27000.00} ) into the accounts. However, till this day, I have not received this welcome bonus. I have reached out to MoneyLion several times, and there is no definite response from them, which really frustrates me. 

Please reach out to them regarding this issue. 

Thanks XXXX
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

Today I am at my breaking point with this company. I called on XX/XX/2019 to make a payment. I had a past due amount of {$940.00} ( balance for XXXX and XXXX 's bill ) I made a payment of {$350.00}. Today I called to pay the remaining balance of {$590.00} only to be told the amount due is now {$1000.00}. Not only is there no way possible I can pay that I was totally blind sided. As always, the communication with this company is awful. The first rep told me that the late fees were from the start of the contract which made no sense at all. The supervisor got on the phone and said well the balance for XXXX is {$590.00} and 5 % has now been added to that. That is almost another car payment. I wrote a letter to the CEO XXXX XXXX and I will be filing another complaint with the XXXX. This is so unfair and no one should have to deal with this.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX  and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Consumer complaint received 2019-12-04
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. (CA)

I have been working with Equifax since XX/XX/XXXX to get my credit score released to my mortgage company so that I can refinance my house. Every time I talk to someone at Equifax, I get a different story. This delay has already caused my rate to increase several times and increasing my out of pocket expenses. Equifax is stating there is no alert or indicator on my file, but the mortgage company is still unable to obtain my score from them as of today, XX/XX/XXXX with an error message of " Not provided by the repository ''. This is not an issue with the mortgage company, as I have had two different ones tell me this same information. Also, they are not having trouble pulling other customers information from Equifax. Please help me get my score from Equifax.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called XXXX and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and XXXX report late payment for XXXX for {$62.00}. I never receive any statement from XXXX stated I owe {$62.00}.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (SC)

South State Bank Mortgage Negligence for XXXX  and XXXX XXXX XX/XX/XXXX We received an annual escrow account disclosure from our Mortgage Lender, South State Bank, XX/XX/XXXX. The statement indicated that our mortgage payment would go up {$200.00} a month due to low balance in our escrow. We called the same night and spoke to a representative and determined that the Escrow department significantly under estimated our homeowners insurance, even though they had a copy of our homeowners insurance statement from our closing in XX/XX/XXXX and a recent adjustment to our homeowners insurance. It was determined that South State was at fault. 
We called the next XXXX XX/XX/XXXX XXXX and spoke to supervisor XXXX  and I asked for a letter stating XXXX XXXX XXXX an error in their projection. She assured me a letter would be sent to me. 
On XX/XX/XXXX We made a payment to our escrow account of {$1400.00} to keep our mortgage payment lower. 
On XX/XX/XXXX we still had not received a letter. I called XXXX I called South State Mortgage Servicing department and spoke to supervisor XXXX XXXX XXXX XXXX and she assured me the same letter would be sent to use within 3-5 business days. 
On XX/XX/XXXX, we noticed the escrow payment was sent to our principle. So, we called South State to correct the error and they assured us it would be corrected. 
On XX/XX/XXXX, we received a Mortgage payment statement and the escrow payment had not been resolved. We also received a letter stating the escrow shortage is under review. This is not the letter we requested. We requested and two supervisors stated they would in fact send us a letter stating the escrow projection was in error. We called the mortgage servicing department the evening of XX/XX/XXXX and spoke to supervisor, XXXX. She said she saw the error where the additional escrow payment was applied to the principle and would immediately correct it. She also stated she would inquire about the letter and call me back. 
XX/XX/XXXX. As of this morning none of the issues have been resolved and XXXX never called us back. 
We consider this Mortgage negligence and will be seeking counsel. 
XXXX  and XXXX XXXX XXXX
Consumer complaint received 2021-04-10
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: EQUIFAX, INC. (SC)

Equifax is reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4 dispute letters to Equifax since XXXX of 2020 asking them to investigate these accounts and I have yet to receive a written a response or see any updates to my credit report.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/18 I had a hard inquiry from Comenity Bank/Victoria Secret that I didn't authorize. At this time I also received an automatic credit limit increase- ( I didn't apply for a credit limit increase ) therefore I shouldn't have had a hard pull if they were conducting account reviews and gave an automatic increase. This pull wasn't authorized.
Consumer complaint received 2021-04-10
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. (NV)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-10
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. (NY)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-10
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, I got a phone call from Trans World Systems. They stated that I owed a debt to a medical doctor back dating back to XXXX. I had recently seen this same doctor on XX/XX/XXXX, and they said I dont have any pending balances. 

The associate with Trans World was very rude and was hesitant to get my card information to pay for the amount owed. I had told them I can pay the amount this coming Friday ( XX/XX/XXXX ) but that I would call in to give my card number and payment and that I didnt feel comfortable giving them my card number right now. And I also asked to validate this debt but the individual told me that supposedly since XXXX they have been trying to contact me, but I havent gotten calls nor correspondence from this collection agency. 

They were hesitant and they just hung up on me and said they were going to take notes. I then immediately called the doctors office from where supposedly the original debt is from. They said there is nothing on file and on the contrary, I have a {$40.00} credit on my account and no due balances are listed.
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 information incorrect
Company: EQUIFAX, INC. (LA)

Equifax and XX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX I purchased furniture using an XXXX XXXX Credit Card. There was a promotional 24 months same as cash offering. I set up my bank account to pay on the first of every month. In XXXX of XXXX I was traveling and did not open my statement. The bank paid the {$150.00} as usual on XX/XX/XXXX. The credit card company received it on XX/XX/XXXX. On XX/XX/XXXX at XXXX I got a robocall to call Synchrony bank. I called immediately. I was told I had " underpaid my account ''. When I stated I had paid it the same as every month I was told " your promotion ended ''. I was really surprised and told them I was sorry and paid the balance immediately. They then told me they had added {$3500.00} to my total, meaning the interest rate was now 48 %! When I got to customer service they told me that IF I had called 24 hours earlier I would have been in the grace period and not had to pay the interest. So..they knew for 12 days that I had underpaid my account and WAITED until it was too late for me to pay my balance to call and tell me I owed more money for that month. This is unbelievable. I spoke to 6 people and they agreed that they could have called, but the waited. This in horrible business practice. It was not like I waited 6 months. I paid it immediately!