davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (ND)

In 2016, I was in a XXXX XXXX XXXX, due to my mental health issues being exasperated by my mother in law being diagnosed with XXXX XXXX XXXX, as well as my father having a XXXX. My XXXX XXXX  became uncontrollable. During that time, I would rapidly apply for several bad loans, along with maxing out my credit cards. Despite my poor credit situation and massive debt, I apply for a used XXXX XXXX valued at over {$24000.00}. I knew that my chances of being approved were slim to none, but to my surprise, I was advised that one lender did approve me ; it was Ally Bank. I made my way down to the dealership, and when I submitted my income statements, along with an offer to trade in my car and put {$1000.00} down, the Ally rep stated she could not approve the loan, due to my income and down payment. The sales rep continued to submit my credit information to other lenders while pressuring the Ally rep to approve my application. The terms of the loan required that I make payments of {$600.00} a month on the loan. The APR on the loan was astronomical, and over {$200.00} of my monthly payments would go to interest along. When my income of less than {$40000.00} was factored in along with my debt current debt, and cost of living, every other financial institution knew that approving me would end badly, but not Ally. The two sales reps were able to pressure the Ally underwriter to approve me by convincing me to come up with another {$1000.00} for the downpayment. I had to take out a payday loan just to get the money which only made the situation worse. I would call Ally several times to try and have the loan payments reduced, only to be told that I was not eligible and to call back after a year. The car would be repossessed in less than a year, and now I'm left with a {$12000.00} debt and debt collection threats Because of the dealership, and Ally 's decision on that day, I would end up falling into financial ruin, and now facing bankruptcy. Ally bank should have known that my take-home income of {$1000.00} every two weeks would not have been enough to pay a {$600.00} car payment a month. I even told the sales reps that I was looking to have a car payment of about {$300.00}. They proceeded to add additional " warranties '' that increased my loan amount as well, and now Ally wants to sue me for a mistake they made that ruined my life. Despite being found guilty of taking advantage of people of XXXX with predatory loans. Ally continues to practice the same. Please take action to prevent this from happening to others.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (PA)

United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Is contacting me repeatedly about a debt that is not mine. They repeatedly contact me regarding my sister. I have stated multiple times I do not have contact with her. They threaten me with legal action and they tell me if I don't tell them where she is or give them a number to contact her at they will take me to court for the money that she owes. I get phone calls daily from multiple numbers.

They have now started saying that I owe money. I have nothing on my credit report that states I have anything in collections. I have one student loan and one credit card with a balance. No other accounts. I have told them I do not have nor have I ever had a credit card with the credit card company they state, ( I know for a fact my sister has ) and they won't stop harassing me daily calls from multiple numbers. I block one number and a new one calls. I have considered changing my phone number but I've had this number since XX/XX/XXXXand I shouldn't have to change my number because of a predatory collection agency refusing to listen to my words
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PREFERRED MORTGAGE CORPORATION (CA)

company predatory lending complaint. Broker lied about pricing and presented false good faith estimates. Further the broker illegally added .53 points on the loan when drawing up final docs that were never presented at any other time, on multiple estimates. Docs were set to close on XX/XX/2020 but I found the extra fees and quickly complained and asked for an explanation. A valid explanation was never offered, and the pricing I was previously given and relied on was refused to be honored by XXXX XXXX which he has an obligation to do. 

I wanted the pricing I was given when rate was locked but since they are refusing - which i challenge their ability to legal do that- I want a refund of appraisal cost that was ordered under false pretenses. Additionally, the lender suggested refunding costs for his errors outside of escrow which seems unlawful as it would still inflate the borrowing costs and add amortization onto these costs that I am in essence being refunded. 

I want this firm investigating for fraudulent and predatory lending practices as I am now a victim of their lies.
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Disputing Fair Collections and Out Account # XXXX Reason : I paid these charges to XXXX XXXX XXXX before it was sent to collections or before it was charged off. Also the charge for {$320.00} for month to month rent ( XXXX ) is inaccurate. My lease ended XX/XX/2014. 

I have disputed this with Fair Collection and Out first, then the credit bureaus. The collection company refuses to admit that I am not liable for this amount. They have no proof that I owe this collection account and are being unethical by continuing to report to the credit bureaus. 

Additional Documents are provided Letter of Breakdown Statement of Charges Check Stubs Lease Agreement
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

I sent in several disputes to Rent Recovery Solutions. They are reporting to all 3 Credit Bureaus for 2 collections Account # ( XXXX For {$500.00} & {$4000.00} ) My 1st Dispute with them sent was a ( Validation/Pay to settle w/ offer_ 30 days to respond ) @ the address XXXX XXXX XXXX # XXXX XXXX, GA XXXX. Which was excepted by Return Receipt Sign by XXXX XXXX on XX/XX/XXXX I then waited and then replied back sending them a 2nd dispute to them for ( Violation of rights/ Validation Request/ Estoppel by Silence/ 15 days Respond Upon Returned Receipt ) I also waited and Sent Dispute letters to all 3 Credit Bureaus for investigation on XX/XX/XXXX. Awaiting a response from RRS. I get letters back from XXXX Verifying the dept from them. XXXX deleted the disputes. I haven't heard back from XXXX yet. I then get my 2nd dispute letters sent back to me ( Returned TO Sender ) Next I called their RRS company. The 1st associate told me she would have to take a ( Lift a Not Communicate ) with me off and transfer me to my caseworker. I explained I sent my 1st dispute and it was except at the 1st address above. asked if they have gotten the letter she said no. I then said that I sent my 2nd dispute to them and it got sent back Return to sender. she asked what address I sent it to. I couldn't remember and couldn't get to the address told her all I know was that the address had XXXX in it. She gave me the correct address. When I got off the phone with her I got home and googled the address I sent the 1st dispute to. the XXXX turned out to be the XXXX XXXX in the 1st and 2nd dispute letters sent. Found out it was still an office for them and has a website and XXXX attached to it. I made copies of all disputes sent and their websites to show they have gotten my disputes as proof. I sent it along long with the 3rd dispute to ( Failed to Validate Request/ Violation of Rights/15-day response upon Return Receipt ) etc.. to the Updated address @ XXXX XXXX XXXX XXXX XXXX  XXXX Which they Received upon Return Receipt on XX/XX/XXXX. I looked at both Return Receipts and they were both signed by the same person ( From my 1st dispute XXXX XXXX on XX/XX/XXXX ) It has been almost 18 days with no response still back from them. I have found out since then that this can be reported because of them and them not responding according to my rights. I have also been trying to file a complaint with the XXXX XXXX XXXX but I can not seem to get to where I can get them to route me to where they accept my type of dispute..
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I have NEVER had an account with XXXX XXXX XXXX  but they keep reporting on my credit. I have called them and they have confirmed that there is no existing account. They told me to have it removed, dispute with the credit bureaus because their agents don't know how to remove it. The credit bureaus remove it them later, they put it right back with duplicates on my credit.
Consumer complaint received 2022-09-17
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-28
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. (PA)

on XX/XX/2020 i sent letters out to the credit bureaus to verify inaccurate information reporting on my credit report. after waiting for 60 days for a response which never came i sent another letter on XX/XX/2020 asking the credit bureaus to reply to my request to verify the information on my report. it is now XX/XX/2020 and i still have not received a response from either credit bureau. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus are clearly violating my rights
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Ongoing problem with Target Credit Card and and TD Bank USA. I've had this payment set up on automatic payments for the last couple of years. The first problem occurred when they changed the minimum amount due and the payment fell slightly below the minimum. This time, the automatic payment failed to execute at XXXX XXXX 's BillPay for whatever reason. 

This credit account has been an ongoing problem due to a scam perpetrated by the creditor to collect additional fees by not properly applying credits to the account and changing the minimum due to be a moving target. Here is what they fraudulently charged me : XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$28.00}
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IL)

over the past year i have contacted Suntrust mortgage at least 6 times to get PMI dropped form my mortgage and have NEVER received a reply. i have called, mailed in their forms, faxed in their form, mailed letters to the escrow dept, mailed a letter to XXXX, the secretary of some VP, she has helped me with issues in the past. this XXXX has cost me roughly {$1000.00} in premiums i did NOT need to be paying
Consumer complaint received 2022-07-18
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
CXXXX 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 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

capital one closed my credit card account due to a missed payment and reported late. My payments were set up through my XXXX XXXX XXXX portal. The payment in question is apparently from XX/XX/2020. When I called into capital one I was informed that they could not supply me with what the issue was but that they had returned the amount. Upon reaching out to XXXX they have no record of capital one drafting on the account. Since five subsequent payments went through the same account with no issues I do not believe the issue is/was on my end. 

I had never been reported late on any credit bureau during my may years with this account so not understanding where the issue is/was.
Consumer complaint received 2020-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have had the account with this company for years never had any issue now that i decided to use my right and features of having this card and add authorized users to the account my account gets labeled with " Frivolous Fraud '' hindering my ability to use the account this issue has been going on for almost 3 months they have requested documents of my current authorized users once i sent it in they know claimed they needed information from those who aren't even on my account any further, then i sent that and it was a so called issue of not being able to read the documents once sent again the continue to give me XXXX excuses and never once asked to verify my information as the account holder im beyond fed up this company has no issue taking my money but has an issue communicating what the issue is with my account I will be filing a civil suit against this company since they don't seem to be able to get this resolved and think there going to have me running around in a middle of a pandemic this has gone on way to long and this is the final straw this seems to be a case of discrimination after conversing with every representative I have now enough proof and evidence to file my claim against this company for discrimination and being prejudice. This has caused me more harm and XXXX  to my XXXX and all this XXXX  i will seek damage for if this isn't resolved within 15 business days
Consumer complaint received 2024-10-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

We purchase kitchen faucet, garbage disposal, and vanity from the XXXX on XX/XX/year>, and we received the items by XX/XX/year>. Due to the home construction space configuration change, we had to return the items, and requested a return, and the merchant authorized the return, and we returned the items back on XX/XX/year>, which was within the merchant 90-day return policy.

After confirming the returned items were successfully returned and return status " returned '', we contacted the merchant for the refund status several times, but we did not receive any response from the merchant. So we contacted our credit card company, Bank of America, to
dispute the charge on XX/XX/year> because Bank of America Dispute Department customer service reresentative once confirmed that we had about 180 days to open any disputes if our attempts to resolve any issues were not successful.

To my surprise, the representative I spoke with on XX/XX/year> said that 180-day was incorrect information, but she confirmed that we still had rights to open the dispute for the credit refund not received for the returned items. So I spent some time to provide all the details of the transactions along with return tracking numbers. She confirmed that she successfully filed the dispute for the XX/XX/year> {$1900.00}. 

After opening this dispute, since we usually received an email, but we have not received any letter from Bank of America to confirm the dispute, I called Bank of America dispute department back on XX/XX/year>. A new representative said the dispute claim was denied due to the time. I explained to her that Bank of America Dispute Department advised that we had 180 days to open any dispute, that's why we tried so hard to resolve the issue with the merchant by waiting and waiting. She understood, and told me that she would file an internal complaint about the dispute decline decision.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

I have never had a personal account with these banks. 
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with XXXX Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.