davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (IL)

My husband ( who I have been separated from ) opened credit card accounts in my name and left me alone with a mortgage, XXXX to support and put food on the table all while I have been a XXXX XXXX XXXX mom. Its been very difficult to pay anything let alone any credit card that I never opened.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (AR)

This company has the incorrect amount that I owe on my credit report and statement. They have billed me for fees that are not in the contract that I signed. They did not apply my payments properly and are rude when I call them about it. They shout and make comments to me about my payment history. I told them that I was only calling about my bill and not about their opinion. i told them that my experience with them have been horrible and I would not recommend this company to anyone.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. California. I offered {$25.00} a month and then in 3 months {$50.00} a month and in 3 more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. XXXX. I offered {$25.00} a month and then in 3 months {$50.00} a month and in XXXX more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.
Consumer complaint received 2024-12-05
Product: Credit 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: U.S. BANCORP (IL)

Elan XXXX XXXX XXXX XXXX XXXX XXXX is a scam. They piggyback on a real Elan card and offer a 0 % rate for a certain amount of time and then move you from transfer to purchase and start charging exorbitant rates, bogus fees, trying to double your payment every month. 

I have to print out several years of bank statements, etc.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NC)

I have a XXXX XXXX XXXX XXXX. It had an offer wherein I could make purchases worth {$XXXX} and get a {$XXXX} statement credit. The offer expired on XXXX XX/XX/year>. I made a purchase on the XXXX website for {$XXXX} well above the {$XXXX} required on XX/XX/year>. I received an email from XXXX  on the same day that I have used the offer and I will be receiving the credit if I didn't cancel the order. On XX/XX/XXXX, I saw that only {$XXXX} were posted to my credit card account, short of the {$XXXX} required by {$XXXX}. So I contacted the XXXX  customer service and they opened a case for me. The agent assured that I will get a resolution but it might take a few weeks. I told him that's fine. I also said it seems like since the order has not shipped the charge was not posted. The agent said XXXX  will wait XXXX days to get the charge posted and I will be fine. He also said he would be contacting me about the outcome of the investigation. I agree and ended the chat. However, I placed another order on the XXXX website for {$XXXX}, just so I would exceed the {$XXXX} threshold if XXXX  wasn't able to fix the issue. I contacted them today, and I asked what the status was. The agent said they closed it because I had not made the necessary purchases before the offer expired. I said I had made it. Then they said the charges were not posted. I told them I can not post a charge, and they said it was the merchants fault and they can not do anything about it. They were extremely unhelpful and unsympathetic about the whole thing. They even blamed me for not making a single charge of over {$XXXX}. I told them I did exactly that and it's not my fault that only {$XXXX} was posted. I was penalized {$XXXX} for {$XXXX} less of the {$XXXX} required, and moreover I had spent more than that. Those charges will be posted by the merchant in a few days, even though I made the purchase before the offer expired. So in the end I will pay what I had paid before and on top of that would not receive the {$XXXX} credit that was promised. It seems like dubious practice.
Consumer complaint received 2022-09-27
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person
Consumer complaint received 2022-12-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

EXETER FINANCE LLC, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX Joint loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Newport Intermediate Inc. (TX)

My wife XXXX has been getting a refund XXXX XXXX amount loaded for the amount {$60.00}. XXXX Account number ending in # XXXX ( closed ). 

We started getting the cards sometime toward the end of XXXX after we sold our home to which I believe our XXXX Account has been tied to. We thought it was a general refund and that would be all, however they have still been mailed out over the past two years. 

This account is no longer active anymore however your XXXX company continues to debit our bank account in the amount of {$60.00} and then turn around and refund us the amount which seems to be caught up in a Loop cycle, revolving door, etc.!! 

We want this to stop immediately as we have called your company and attempted to have this reconciled however it has not as we just got another card in the mail today which tells me you have taken out this amount again in our checking account. 

Please help us remedy this crazy process as we do not have the account active with the number identified in the Subject heading of this e-mail. 

The current address we live in and the cards are now being mailed to our current address because we called and spoke with a representative who said the problem would be resolved as of XX/XX/XXXX, however todays card proves it still is a problem that needs to end. They charge our bank account at the end of the month for the amount mentioned and turn around and send us a credit in a XXXX. 

PLEASE HELP US RESOLVE THIS. 

If this cant be resolved we will be forced to close our bank account and Re-open another one, cutting this cycle off as Fraudulent activity. 
This is an e-mail I am sending " XXXX '' Thank you, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

Ally bank holding funds Used electronic means to make a transfer to my savings. Bank holds for up to 3 days! 
Supposed to be available next business day Then they say may be available END of businesses day, WHY??? So they can use it?!?!?!
Consumer complaint received 2024-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

SPS I received help through a federal government program that would of paid my mortgage for up to a year to get me caught up. Instead, as soon as SPS received the money, they raised my mortgage. Then they kept demanding that I go back to the government agency that helped to get more help. 

I recently sent my check stubs and XXXX to SPS, and they keep asking for verification. A rep told me today that it means I am filing my XXXX taxes. SPS is stalling because they are transferring my mortgage. They are not clearly stating why they are rejecting my check stubs and employment letter. SPS is stating that my employer is not taking federal taxes out of my check, and my check stub clearly states that. 

I want them invested for mortgage fraud and discrimination.
Consumer complaint received 2021-02-26
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. (FL)

Upon checking my credit reports recently Ally auto is showing derogatory. It also shows, although we are clearly in the middle of a pandemic, that I have 4 recent late payments in XXXX, XXXX, XXXX and XXXX which is hindering me from purchasing a home for me and my children. During that timeframe I was mistakenly under the expression that was still on a a deferment. Ive tried reaching out to Ally Bank CEO Mr. XXXX XXXX on MULTIPLE occasions via email with no response as to removing these most recent late payments and derogatory status so that I can make this purchase for my family and I. My account is current.
Consumer complaint received 2022-10-13
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. (IL)

I am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Transunion an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. It had been deleted. I pulled my consumer credit report on XXXX XXXX Transunion has reinserted the XXXX account. First off Transunion is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Transunion is in violation of 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified in writing.
Consumer complaint received 2021-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-04-12
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. (NJ)

I've found that my credit report has erroneous information for the third tie now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Company reported account on my record more than XXXX times. Also account was removed due to fraud XX/XX/2021. Company ( Navy Federal Credit Union ) stated I made a payment which I never did & re entered account in my credit on XX/XX/2021. Contact them to ask questions in pertain to them reporting same account more than once in my credit. They stated that Told me that my Checking acct was closed and that I needed to make a {$10.00} payment to close It out and open another one. This is the way they are getting ppl. Regardless of the info provided to me by them, I still didn't make the payment due to it sounding off.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-06-20
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. (MI)

In accordance with the fair Credit Reporting act, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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 1681s-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.
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IA)

My husband and I have been trying to refinance our VA loan. Chase was our lender. Chase sold our mortgage to XXXX XXXX in XX/XX/2020 on our house.Our new mortgage broker from XXXX XXXX XXXX XXXX XXXX and our title company XXXX XXXX found two liens on our house through a credit check. One is a mistake. We do not have two liens on our house.XXXX. XXXX was notified and Chase as well. Apparently it is showing that Chase had original lien and were the ones that added that second lien by mistake.My broker and I have been dealing with Chase for two weeks now. They say they are not my mortgage lender anymore and have researched this problem and that they are not the problem and that We need to talk  to XXXX XXXX about this because they are our current lender. Chase is not releasing the second lien that was filed in their error. This second lien needs to be removed before we can get this refinance done with XXXX XXXX XXXX. We are loosing money due to Chases negligence. We have called several times and get no where. I keep asking for a supervisor but all they say is that they can email one and they can get back to us within 24 hours and that there is no phone number to call talk to a supervisor higher than the one I talked to. She just gave me the Chase number and said that if I called that again that they'd tell me the same thing that she is telling me. Today I even told them that I wanted to file a formal complaint. She said that  they have already researched this and they can't do anything else for us. Wouldn't even take my complaint. We need this resolved and Chase is being very uncooperative. Our new mortgage broker told us to file this complaint so this can get resolved. as soon as possible.