davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KS)

XXXX XXXX XXXX XXXX lied about amount of payment. They said they will change it after threats of taking the truck back but they had already sold my trade in. I was going to contact Attorney but then the wrote a new contract with the right monthly payment. Its been 2 months and Ally financial still does not have new contract. XXXX actually paid my last month payment but Ally broke their contract by not applying my first payment to the proper month. My first payment due date was XX/XX/21 I made payment XX/XX/21. After 5 attempts of reaching out verbally a emailed 2 times. Every associate from Ally has lied and said it will be taken care of in 2 days. I now have paid late fees and have to deal with this on my credit report. I feel they both are in Breach of contract Ally Financial and XXXX XXXX of XXXX Ks. Can anyone help?
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

I am a current customer of Freedom mortgage and requested a Cash out refinance back in XXXX of 2021. They asked me to provide a {$300.00} deposit for an appraisal which I did back in XXXX they indicated that I would be refunded the {$300.00} if anything happened and the refinancing did not go through because of the incompetence of their customer service department they did not get the paperwork processed in time on XX/XX/2021 on their form I requested a refund of that {$300.00} they indicated it would take 10 to 14 business days for it to show up in my checking account today is XX/XX/XXXX and after numerous emails back and forth about this {$300.00} I am still yet to receive it. I have copied the emails and attach them for your perusal.
Consumer complaint received 2021-09-13
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)

I REPEAT THAT I AM NOT A THIRD PARTY, I AM WHO I AM XXXX XXXX. PLEASE SEND TO LITIGATION DEPARTMENT IMMEDIATELY 911, NO E OSCAR : I have no knowledge of the fraudulent accounts XXXX XXXX XXXX XXXX XXXX. I am sending you this in regards to those accounts. My name is XXXX XXXX I am not a third party company, I am a human writing this. Notice to you that I am a consumer in fact natural person, executor, administrator, holder in due course for any and all derivates thereof for the surname given XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters processing, and I hereby claim that I will d/b/a consumer, XXXX and autograph as the agent, attorney in fact, so be it. Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most high of creation and I depose the following facts so be it, now present. Fact, 15 us code 1681 says subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled Exhibits that Equifax is in violation of Rights of privacy. Not giving consent is fraud, I did not give any consent as to the accounts listed XXXX XXXX XXXX XXXX XXXX are fraudulent. Defamation to my character and trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. Depression and anxiety and mental health. It is damage and punitive damages which is an amount exceeding {$10000.00} you must send to me by 10 calendar days of receiving this message.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (TX)

On XX/XX/XXXX, I opened a line of credit through NetCredit, which was originally backed by XXXX XXXX XXXX XXXXXXXX XXXX The account was later transferred to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Due to a system error on NetCredit 's part, my account did not progress through the appropriate collection servicing flow, which ultimately led to the waiver of my outstanding balance and the closure of the account by XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. NetCredit confirmed this through their response to my CFPB complaint on XX/XX/XXXX. 

While I appreciate the confirmation that the account has been closed and that the balance has been waived, NetCredit has failed to take appropriate action to remove all negative credit reporting tied to this account from the major credit reporting agencies. The company has stated that the process of reflecting the accounts closure in credit reporting may take 30 days, but they have not committed to removing all negative information, which continues to appear on my credit report. 

Actions Taken : XX/XX/XXXX : The line of credit was opened through NetCredit, backed by XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : The account was transferred to XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : XXXX XXXX requested the account be returned and closed. 
XX/XX/XXXX : NetCredit confirmed the account was repurchased, the balance waived, and the account closed. 
XX/XX/XXXX : NetCredit confirmed the balance waiver and account closure but refused to commit to the removal of negative credit reporting. 
Amounts Involved : Original Credit Line : {$2800.00} ( Line of credit opened in XXXX ). 
Balance Waived : Full outstanding balance waived due to NetCredits error as of XX/XX/XXXX. 
Requested Resolution : Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate and complete. Since the balance has been waived and the account was closed due to a system error, any negative information remaining on my credit report related to this account is now inaccurate and misleading. 

I am requesting the immediate removal of all negative information tied to this account from the three major credit bureaus ( XXXX, XXXX, and XXXX ) to ensure compliance with FCRA 1681s-2 ( b ) and FCRA 611 ( a ). This includes any late payments, delinquencies, or other negative remarks associated with the account from XX/XX/XXXX to its closure on XX/XX/XXXX. 

I expect this matter to be resolved within 30 days, with written confirmation that all negative credit reporting has been fully removed. 

Failure to comply with the FCRA and remove this inaccurate information will result in further escalation through legal and regulatory channels.
Consumer complaint received 2021-09-13
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. (IL)

I tried to resolve this with Experian but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. The Department of Veterans Affairs account On XX/XX/XXXX I sent a letter to Experian, certified mail for a dispute to fix this account because it was reporting differently than the other reporting agencies. Experian received it XX/XX/XXXX XXXX. About 30 days later, Experian sent me an alert through Experian.com stating the account as updated. 

On XX/XX/XXXX I sent the Second Letter stating that I wanted to know what was there method of verification and then proceeded to point out the inaccuracies between the three reporting agencies, on XX/XX/XXXX Experian Received this Letter at XXXX. 

This time Experian Just marks my report up with a bunch of false Information First mistake they made was putting up a random balance of {$2700.00}, Then they proceeded to mark my account all the way up to XX/XX/XXXX as a charge off, when the original account was closed XX/XX/XXXX with a balance of {$1900.00} XXXX instantly went into a state of shock because I don't know how they came to that erroneous conclusion. 

I sent a third letter because by this time, I am frustrated and my anxiety is bothering me. I still get no answer from Experian as to how they came up with the balance. 

I sent in a letter to the Va where they sent me a letter stating that I should correct it with the Credit reporting agencies with the closing Date of XX/XX/XXXX with balance of {$1900.00}
Consumer complaint received 2021-09-13
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. (TN)

Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXXXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I notified TransUnion on XX/XX/2022 that they were furnishing inaccurate information on my consumer report. I also filed a formal complaint with the CFPB. TransUnion responded stated that they would investigate the matter and get back to me in 60 days. I disagree with their investigation process because the FCRA states consumer agencies have 30 days to complete an investigation. So why is TransUnion responding asking for 60 days. The extension for Covid 19 has ended.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My consumer file is inaccurate and incomplete. I am writing to you today regarding account ( s ) # XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, which is not posted in my file. I am asking to you to correct this by inserting the missing information into my credit report file so that accurate information is being reported.
Consumer complaint received 2021-09-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (NY)

On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''. 

On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.
Consumer complaint received 2021-09-13
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: Southwest Credit Systems, L.P. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NC)

I am filing this complaint because ONEMAIN ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (FL)

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2023-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

We had a vacation rental scheduled for XXXX in XXXX, XXXX. When the hurricane hit them on XX/XX/28 it wiped out the causeway so we were unable to occupy the rented home for our vacation. The rental company would not return our funds and so we turned to our credit card company under the services not rendered clause. They only returned the one transaction claiming the other transaction was valid from cancelling our visit. We did not cancel and I provided them plenty of documentation showing this but they refused to reverse the decision and when I provided further proof from the actual rental company telling me to work with the credit card company said we had run out of time, even though their representatives told us there was no timeframe!
Consumer complaint received 2021-09-13
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. (TX)

I previous sent out dispute letters for these following accounts XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , and XXXX giving each Bureau 30 days to verify these accounts that are inaccurate. They failed to positively verify these accounts and since complaints where made they decided to update my information which is not complying with the FCRA laws that states they must verify or delete. According to section 617 civil liability for negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. I ask this be removed or I will seek Litigation.
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Please see attach letter. I can not write everything that was done to me here. Even the letter i wrote is just the tip of what both Chase and XXXX XXXX service did and the coverup they tried. All I am asking really is a fair investigation to what i am saying was done to me. The letter I attach is just the least of what they have done. Not only did JPMorgan ( chase ) tried to get around the bankruptcy but they tried to cover their tracks by claiming they sold my mortgage to another company. What they didn't tell me was that the morgage company they are selling it it is serving the loan for them. Now check the confusion. The company who is servicing the loan chase ( because chase lend me the money for the home but it didn't come from chase it came from another place and yes i have that too, where my loan came from. but chase was the service of it who sold the service to XXXX  to service it for then. Please help me make sense of that PLEASE. Or how does this sound since chase lost money on me filing bankrupt because of the house they couldn't see like they was trying to get that money back. So they cook up this XXXX modification claim to sell it to another company who that company is servicing it for chase. I say that because XXXX who is serving the loan now cant or wont tell me where that extra XXXX dollars is going to. And correct me if I am wrong here but isnt a loan modification is to help to reduce a mortgage payment not add more to it and extend the length of the loan. Please once again some one tell me I have the definition of that term ( loan modification ) wrong. Or was this something far more then ( loan modification ) but hidden the true reason under that title Please see that attach letter.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received Paycheck protection Program loan for my business, in XX/XX/XXXX. Loan detailed must be spent on business needs. In which every dollar is accounted for in XXXX for company inventory. I have submitted receipts of items ordered for buiness needs to Small business admin. All supporting documents were accepted. I was told by SBA to request forgiveness once my documents were accepted. In which i did, i received a letter from SBA stating loan forgiveness granted. However, on XX/XX/XXXX Capital One locked my account. Stating i was not a business owner and should not have received PPP loan. I called Security department for capital one whom stated they needed Schedule C form for XXXX. In which i submitted immeditately, along with several supporting documents showing sales. XXXX is one of my many payment methods, which is connected to my capital one account. Captial one Bank can clearly see sales with customers first and last name next to each dollar amount. I sent statements showing business owner. My account remains locked and my funds inaccessible. This has caused a loss in income for XXXX  payment method. All of my bills that are attached to this PERSONAL account are now in default. They can not auto draft as it would normally. My credit card accounts that i have with them are also restricted. I was told if lock is not released, then this can lead to negative credit rating. I have submitted complaint to Office of Comptroller and heard nothing back yet. I have gone online to see others facing this same nightmare. I reached out to Small Business Administration, to further inquire on reason for lock. SBA stated " Lock is not apart of SBA loan that was given ''. SBA representative stated this is the bank that has decided to lock accounts for ppp loan. I was told by SBA representative to seek legal counsel and submit complaint to OCC. This entire issue has caused such distress to me personally and business wise. My auto loan with them also sent into default. In which may lead to negative credit rating as well. Having to defer this payment until issue is resolved, causes additional interest. This is unfair, especially to be done by a company you trust with your life savings and business. I have other accounts with other banks and i have never experienced this horrible business ethic. Im currently seeking legal counsel to resolve this matter. Im also feeling like punative damages are in play. Loss of income, pain and suffering. I would love to start a class action suit where all the people on XXXX can partake.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

The following positive information is missing from my Equifax credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK (OK)

I had a loan with freedom pluss but due to health issues and other bills had to consolidate my bills thru XXXX  to keep from fileing a XXXX  XXXX. I contacted freedom and advised them of this. I few days latter I got a call from freedom plus but when i answered it was a company called achieve regarding this debt i advised them it was under a debt consolidation. They soon began calling me daily with no voice mail. I then began to get calls from them and caller id stated we have the loan you need. I sent a formal cease and dedit to them advising i had never recieved anything saying that they aquired this loan. The following week call volume from them went up and at hours they new i would be at work. I also was recieving blocked and anonmus calls i suspect was from them as well as they imidiantly followed a call from achieve. I feel they have violated my rights under the FDCPA and would like them to stop as requested