davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (CO)

I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments. 
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}. 
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018. 
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Lost income in XXXX due to COVID. Got forbearance approved for 3 months which ended in XXXX. Sent in loan modification application and required documentation mid-XX/XX/2020. Called multiple times and talked to several customer service reps and the information they provide is always different. The only person in charge of taking action is a person named XXXX XXXX ( ph XXXX, email : XXXX ) according to a few reps. Called XXXX several times, left voicemails, sent emails but she never responded in 3 months. Complained to other reps and they always say that they put it in there and she has to call back in 24-hrs, but she never does. They also see notes that she tried calling me and I didn't answer. But I never received her calls nor she left any voicemails. No supervisor ever called or emailed back either. I got another job but my income is not sufficient to meet the mortgage payments, and I am hoping to get the loan modified ( current rate is at 8.25 % ), but Shellpointe is being extremely uncooperative.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

As technology improves, so should the written policies of a bank. The worst feeling is making the person who owns the account feel like a criminal. XXXX would NEVER treat me the way CITI treated me. I tried making a large dollar transaction requiring an activation code. The phone number associated with my account was an old phone number I no longer use. I called to have my phone number updated to make the purchase. I was asked questions that were not indicative of my identity. I answered my name, social security number and security word. They wanted me to remember a change I did XXXX months ago. I no longer have a Citibank account. They asked me if I had Citi cards and the only cards I was able to confirm were XXXX XXXX and XXXX. This was not good enough for them. This was not sufficient as they wanted me to wait XXXX to XXXX days for a letter with an activation code. I am unable to use my card. I have been a good standing customer since XXXX. I am upset they flagged my card when I continued to give them information to confirm I was the account holder. I even logged into my XXXX account to confirm my banking statement. They were not willing to work with me to assist. I hopped from XXXX representative to the next. They were not willing to take my complaint. After XXXX hours I finally got an address to submit my complaint to. Because the representatives were out of the country, it was hard to understand them as the volume was extremely low on their end. They never tried to verify my address. I gave them so much information as old phone numbers and previous addresses as I moved in XXXX ; hence why my info was not updated then COVID happened. Very difficult to deal with even as a long time customer.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX  keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.
Consumer complaint received 2022-03-01
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: Mr. Cooper Group Inc. (NC)

I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from Mr. Cooper XXXX I called Mr. Cooper, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to Mr. Cooper ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at Mr. Cooper attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to Mr. Cooper on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the Mr. Cooper representative XXXX not a true credit/delinquency event.
Consumer complaint received 2020-12-08
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. (TX)

XX/XX/2020 EXPERIAN was sent a formal dispute letter about inaccurate information contained in credit file. This dipute letter asked very specifically that the inaccurate information be VERIFIED and a document of the verification measures and entities be provided according to FCRA. 
XX/XX/2020 EXPERIAN sent a credit report which told me to contact the credit grantors myself. It also stated that no information was VERIFIED simply UPDATED for every single dipute item. 
At this time EXPERIAN refuses to properly VERIFY any of the inaccurate information that I have asked them to review which is a direct violation of my rights under FCRA.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2018 CREDIT CARD FRAUD CLAIM date XX/XX/2018. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD FOR TWO YEARS NOW. {$470.00} USAA CREDITS WERE NEVER PROVIDED UNTIL XX/XX/XXXX, XXXX ) USAA PROVIDED THE CREDITS FOR ABOVE CLAIM TWO YEARS LATE. XX/XX/XXXX, XXXX {$460.00} for fraud & {$100.00} for finance charges DOES NOT MAKE ME WHOLE. USAA HAS DESTROYED MY CREDIT DUE TO INACCURATE CREDIT REPORTING 3 TIMES CREDIT HAS BEEN DENIED FOR USAA FRAUDS NEVER RESOLVED. THERE IS MUCH MORE FRAUD. USAA NEEDS TO FINALLY BE HONEST. USAA OWES ME MUCH MORE THAN THE PROVIDED CREDITS. INTREST & RESTITUTION FOR DESTROYED CREDIT ON FRAUD REPORTED BY USAA. USAA THANK YOU FOR COVERING THIS TWO YEAR OLD FRAUD NOW PLEASE RESOLVE THE REST ** ( OF FRAUD REPORTED BY ME WITH WRITTEN DOCUMENTATION TO VERIFY I REPORTED THE FRAUD NOT USAA. )
Consumer complaint received 2021-07-09
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. (TX)

After applying for credit I received a copy of my Equifax credit report, I noticed that there were several of my positive credit tradelines were missing from my file and not reporting through my credit monitoring services. I contacted Equifax via phone agent stated that the accounts were there and it was an issue with the credit monitoring service even though I explained the accounts were not appearing on the credit report from my lender either. I wrote Equifax with my disputes/updates and included a copy of my drivers license and a utility bill, I didn't receive a return correspondence. My Equifax credit score dropped more than 30 points per my credit monitoring service showing a few of my active, good standing accounts were closed. I tried to log into myequifax.com, my attempts were unsuccessful. I called Equifax on XXXX and tried to use the automated system, the system could not verify me. I spoke to an agent, she stated that I do not have a credit file with Equifax. Although, I updated my married name and address a yea ago, I still asked her to search my maiden name and previous address, she said she still could not find a credit profile in my name. I explained to here I am looking at my file on my credit monitoring service that updated as recent as today, she said apologized and failed to offer me any type of resolution.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/22 I received a confirmation letter from XXXX XXXX stating they had submitted a request to all three credit reporting agencies to remove an account from my credit reports. 
In XX/XX/XXXX. I submitted a letter to TransUnion, XXXX to remove the account, along with the letter from XXXX XXXX  stating that there was no amount owed and the request had been sent to the bureaus to remove this account. I also included copy of my credit report of the account, so they could reference the account. 

TransUnion- Has yet to even investigate this - Its still showing on my report as well as showing as a Derogatory account. The account should be deleted immediately. 

XXXX- changed the account from derogatory to paid- did not even update the account to show there was a dispute, and the account is still showing on my credit report. This needs to be deleted immediately.
Consumer complaint received 2022-10-10
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: Resurgent Capital Services L.P. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX ..., Account name : XXXX Funding XXXX  # 70618719XXXX, Account name : 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 XXXX states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10
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: Experian Information Solutions Inc. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX  months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MD)

i sent dispute letters to equifax on XX/XX/2021 and the 30 day mark for them to reply was XX/XX/XXXX. it is XXXX the XXXX 2021 and they still have yet to reply to my dispute letter.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NC)

Hello! I sent out mails and letters to the credit bureaus about some inaccurate data on my credit report. It's been over 60 days and I never received a response from them. Section 611 ( a ), stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted already. This situation has caused me a lot of XXXX  and I wish to have it resolved as soon as possible.
Consumer complaint received 2022-10-10
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. (TX)

Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code XXXX 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico. 
This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from XXXX themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.
Consumer complaint received 2020-09-04
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: Convergent Resources, Inc. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc (IL)

Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. 

This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I have reached out to all the credit reporting agencies such as XXXX, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe RentDebt Collection Agency. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per RentDebt this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX RentDebt claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where XXXX XXXX XXXX  RentDebt claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

California check cashing located in XXXX XXXX is falsifying XXXX XXXX checks and telling me I owe {$630.00} demanding full payment using XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. By Law I had to vacate that property XX/XX/2021 at XXXX. I never paid XXXX XXXX {$5.00} to print checks using XXXX XXXX XXXX XXXX XXXX sf CA XXXX.they sent the notice to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CA XXXX and the post office forward it to XXXX XXXX. I got it today. They are going to try and tax my sis money just like they did last month even though I closed the checking account.
Consumer complaint received 2022-07-12
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. (MN)

The collection account from XXXX XXXX, XXXX thats currently listed on my Experian, XXXX and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX