davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (FL)

*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.
Consumer complaint received 2022-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on XXXX the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries includXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Consumer complaint received 2022-05-02
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-07-28
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: ALCHRO INC. (GA)

On XX/XX/2018 First Federal Credit & Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, First Federal Credit & Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to First Federal Credit & Collections, however they remained negligent and did not respond or delete the unverified account from my credit report.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Back in XXXX, PayPal sent me an email to put my account with limitations and asked me to take action. I followed all steps and provided all my personal information and other banking accounts statements, then PayPal closed my accounts WITHOUT any notification nor explanation. Also Im not allowed to open any new account with my name. Its very unacceptable!
Consumer complaint received 2024-09-26
Product: Credit 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)

I appealed a dispute resolution on my credit card for {$1100.00}. We submitted the denial in XXXX of this year and Citi did not contact us about the decision. We called and were told there was an error and it had to be appealed. We appealed it and we just received a letter stating it was denied because " We no longer have any recourse to obtain credit for you since the time frame in which to resolve a dispute has passed ''.
Consumer complaint received 2022-08-06
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. (FL)

Reporting a credit bureau after several attempts to change my personal and legal information. Equifax lied and send other falsified information to my house pretending they have made changes under my name. Which causes severe damage to my financial and personal information. Now, creditors, lenders, and Landlords soon banks might not be able to verify my personal information. Every other company but Equifax refuses to change the wrong name that they have on file. CFPB advised me that they sent all this information to Equifax yet still Equifax lied both to CFPB and myself the consumer that my personal information was an agent. I have received pushback. An Equifax agent placed me on 30min hold waiting on the supervisor due to pushbacks. Their own system has issues matching my mailing address with my social. I'm very scared that Equifax trying to still my information. Equifax is providing the wrong information to creditors and lenders. Creation defamation of Character puts me at very high risk for someone to still my identity. I have no control over what Equifax is providing. They have hidden my information on their website. Equifax is violating Creditors give reporting agencies inaccurate financial information about you. The investigation needs to be done on Equifax. I believe they are retaliating because of the data breach lawsuit and Now, they are over verifying, and bullying consumers.
Consumer complaint received 2022-04-27
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 ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (FL)

In XX/XX/XXXX, I notified SWBC Mortgage Corp that I need a forbearance as I was financially impacted by COVID-19. I was given a 6 month forbearance period beginning in XXXX. In XX/XX/XXXX, I called SWBC to start the loan modification process as I was able to start making mortgage payments. I was given a deadline of XX/XX/XXXX to have all documents submitted. I emailed the remaining documents on XX/XX/XXXX directly to the underwriter who stated that they would process it the same week and the mortgage payments would continue in XXXX. The underwriter did not process the documents and I had to start the whole process over again in XX/XX/XXXX. All documents were submitted to SWBC prior to XX/XX/XXXX. I continue to receive letters and phone calls stating they are missing documents. Every time I call to speak to someone, I am told that different documents are needed than what the previous person told me. I have requested to speak to a supervisor or the underwriter on three separate occasions. I was told I would receive a call back within 24 hours but I was told today that no one had ever submitted a request for a manager to call me back. I called two times today, XX/XX/XXXX, and each representative refused to let me speak to a supervisor or underwriter and each one hung up on me. I am now being assessed late fees, penalties and negative impacts on my credit. I can't refinance the mortgage with a different lender as the mortgage is showing as 6 months past due.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

Citibank Instant Payment process not working due to Error code MFA. After more than 6 hours on the phone with tech support over multiple days the Citibank staff offered numerous inaccurate statements and contradictory explanations. At this time they are unable to provide any meaningful information about why transactions are not being processes or how long it will take to get the system to work for me. The computer based chatbot does not render correctly in any browser with strong and fast internet signal. The mobile app chatbot never gets past the step of asking which account I am trying to contact the bank about - instead it enters infinite loop asking the same question over and over ( I am able to provide a video of this happening ).
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (AZ)

Acima allows identity theft by not doing actual credit checks. They do a soft pull. Anyone with an XXXX dump can easily get an account with this company circumventing credit lock. This tactic looks to be part of their business model to make quick cash. Trying to remove identity theft, Acima expects you to jump through their process and said they would not accept the FTC report. They work directly and only with XXXX, who will not remove the fraudulent account. Acima is a client of XXXX. No proof has been provided to XXXX from Acima about the account. They keep closing the dispute. I had over an XXXX XXXX XXXX perfect credit history, and I would never use some scam service owned by XXXX XXXX XXXX ( ACIMA ). It is impossible to get anyone to help me at XXXX, and Acima is worthless. If you go to XXXX  complaints, you can see top complaints on how criminals circumvent the credit lock system because Acima does not do an actual hard pull. Meaning it will not show up on your credit. This fraud first showed up on my account in XXXX Another shady thing was that ACIMA shows the account paid off after I made the initial dispute, lowering my credit even more. I believe Acima is fraudulent, and XXXX is helping through deceptive practices. Both companies have not responded to the XXXX.
Consumer complaint received 2022-03-27
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. (OH)

XXXX XXXX XXXX is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX
Consumer complaint received 2022-04-27
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. (GA)

I have previously disputed an item with you ( XXXX XXXX XXXXXXXX/ Reference # XXXX ), and in your response you verified the item as accurate, stating that you have verified by XXXX XXXX, but the information was reported by US Bankruptcy Court . I have enclosed for your review by the court. It is clear they do not report to you or any other credit reporting agencies. Therefore, your original response to the accuracy of the item was inaccurate because it was reported as a discharge to the credit reporting agency by the court, which they clearly do not. Also, it states that I have been discharged which I have not been, only filed on XX/XX/2022 not XX/XX/2022 as the letter states. Pursuant to the reporting requirements, the reporting does not comply with FCRA ( 15 USC 1681 and 1681i ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING : The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In Addition : ( 15 USC 1681i ) Procedure in Case of Disputed Accuracy ( 5 ) Treatment OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 15 U.S. Code 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.

I did not give you written permission to provide any information for my consumer report.
Consumer complaint received 2020-07-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I applied for a VA mortgage with USAA on XX/XX/2020. I am a XXXX XXXX XXXX veteran with a XXXX XXXX old. We were planning to move from XXXX, XXXX  to XXXX, XXXX  due to a recent job I had gotten after being laid off in XXXX when Covid-19 hit. We were due to close on XX/XX/2020 Everything was going well until about XX/XX/XXXX, when I had not heard anything from the USAA mortgage processing team for over 2 weeks and had not received word that the appraiser had been ordered. So, after calling and emailing the processor all morning, he quickly replied that he needed a different version of my XXXX because he never even got around to securing the Certificate of Eligibility ( COE ) necessary for him to even order the appraisal. After I sent him the XXXX, he failed to reply to my standards so I secured a COE on my own via the VA eBenefits website and sent it to him. He ordered the appraisal on XX/XX/XXXX ... one week before we were contractually set to close. 

This processors name is XXXX XXXX, his senior is XXXX XXXX, and their manager is  XXXX XXXX. 

I did not hear back from XXXX or his team all week until about Friday morning XX/XX/2020 when XXXX said the appraiser would have his report turned in by that evening. This would allow us to close on the XXXX. 

Monday morning, XX/XX/XXXX, I receive a call from my agent saying there has been no confirmation that the appraiser ever scheduled to appear on Friday. I call and email XXXX only to find out he is on " vacation '' until XX/XX/XXXX ... the day after we are due to close. I start proceeding to fix this issue with XXXX and XXXX who do not reply to over a dozen voicemails and emails from myself or my agent until Tuesday XX/XX/XXXX ... less than 24 hours when we are supposed to close. 

XXXX and XXXX offer no timeline, no status updates, etc. Only that " they are working on it. '' I was not told that the closing date would change until the evening of XX/XX/XXXX ... 12 hours before we were supposed to close. 

Now, my family is homeless. My wife and son sleep in a basement while I sleep on a floor or couch as we are told of more delays by USAA and the appraiser because " they technically have X amount of days to complete this document or that document ''. We have no idea where the process is or whether or not we will actually be able to close on the home if we are forced to extend with the sellers again. 

USAA never secured a COE USAA never ordered the appraisal USAA never offered to house my family despite their fault of rendering us homeless USAA never said " We are sorry '' USAA has not updated me on the current status unless I reach out to them first. 
USAA is not taking my mortgage seriously USAA is endangering my family 's welfare while allowing people to take vacations and days off after knowingly failing to uphold their end of the contract.
Consumer complaint received 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

Purchased a prepaid XXXX giftcard from XXXXXXXX XXXX XXXX store in XXXX, AZ on XX/XX/2022. The load amount was {$490.00}. The card was never functional. I called the toll free number on the back of the card on XX/XX/2022. I was told to photocopy and fax various documents which I did on XX/XX/XXXX. Approximately two weeks later I had not heard anything and called the toll free number for status. I was told the card ID that the company had given me was incorrect. At this point I disputed the charge with XXXX bank and asked for a reversal of the $ XXXX dollar charge. XXXX ultimately rejected my claim on XX/XX/2022 which forced me to re-engage with the prepaid XXXX issuing bank ( US Bank  ). I contacted them and was given the correct card ID number and a request to fax the same documentation again. I did as requested and called on XX/XX/XXXX for status. At this point I was told the copy of my driver 's license was not legible and I needed to re-fax this. I did and called on XX/XX/XXXX for status. I was told that the driver 's license is still not legible and also now I needed to re-fax a copy of my original sales receipt. At this point I have no confidence that this situation will be resolved. I've faxed perfectly legible copies of every document they've requested. Each time they come back with another request. It appears they're employing delay tactics. It's hard to believe a large, seemingly reputable bank like US Bank  would engage in such tactics but at this point that's exactly what appears to be happening.
Consumer complaint received 2023-03-27
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. (NC)

I had a " loan '' with XXXX processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe