davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC (NJ)

Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, LoanCare, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my account.
Consumer complaint received 2021-01-21
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. (TN)

I am a victim of identity theft. An account for XXXX with a balance of XXXX is showing on my credit report. I've attempted to dispute this account with XXXX directly and have been told to contact XXXX XXXX to initiate the dispute. As this has been ongoing for several months I am now filing this complaint. Attached to this complaint is confirmation of the identity theft from other companies that have had to do similar investigations. This complaint should serve as notice that XXXX XXXX may contact me in writing only regarding this account.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XXXX I have sent letters to the three main credit bureaus XXXX, Equifax  and XXXX. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and XXXX. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (ND)

A ( multi-year old ) Ally XXXX  account reappeared on my banking website. This occurred XXXX  months ago, and I have called the company dozens of times in the hopes of a resolution. 

I have been escalated and transferred between 15 departments. Each area claiming the resolution is either on the way or being looked into. The latest update was a support ticket with their IT department which has not been seen/worked on by anyone for the last 3 and half weeks. 

I'm deeply concerned how a closed account was reopened without my acknowledgement/consent and the completely inaction of Ally XXXX to remedy the situation.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (MO)

I emailed and called Rise Credit XXXX to get them to remove the 30 day delinquency from an already paid off account, they initially saw that they made a mistake and said they would get me their dispute team to their dispute team trying to tell me everything was correct when it was and still is not reporting correctly. I tried to give them a chance to correct their mistake but I wouldnt
Consumer complaint received 2018-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

On My credit report show a few accounts closed and in delinquency. 

Student loans accounts are in a payment plan, how ever this accounts are showing late and that needs attention on a make a payment. 

All my student loans are out of defaults. 

thanks,
Consumer complaint received 2020-08-13
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: Nelnet, Inc. (AZ)

I graduated from XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XXXX of XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XXXX of XXXX. Nelnet, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XXXX of XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (AZ)

I made a transaction on XX/XX/XXXXat XXXX for XXXX dollars and some change which my bank MoneyLion took the transaction as a normal transaction. On XXXX I made another transaction with XXXX again for a different product for XXXX dollars and some change. So I canceled the first transaction with XXXX since I found the product I really wanted. My bank MoneyLion changes the date of the transaction which was XX/XX/XXXX and changes it to XXXX and holds the until XXXX. XXXX I check my account and the transaction is gone and the money wasnt put back in my account. I made sure my first order was canceled with XXXX before making the second transaction and I notified MoneyLion that XXXX already sent the money on XXXX which at this time the transaction was there and the representative confirmed. So now I contacted MoneyLion on XXXX and they can not find the transaction. This is not the first time this has happened to me with money being on hold and funds that where supposed to return never came back to my account. My question is can I take legal action against a financial institutions for stealing money because this is what they are doing. Ive had golds last a month in my account and When I call about it they disappear and MoneyLion claim they put it back. I watch my account and spending while and MoneyLion system is setup to where it doesnt show you the amount of money you have after each transaction like most banks. So I know for a fact Im not the only one having this problem because that alone shows no paper trail of misplace meant of money. The bank account only shows what you take out and deposit instead of the amount you have after each deposit and deduction. The complaint I have today I know they didnt put the money back and cant say they did because I took my money out after those transactions so the only thing should show is the adding my money back. I sent a picture of the transaction that was made on XX/XX/XXXXshowing it was canceled and not made on XXXX which is a transaction XXXX didnt make that they should be fixing since they are saying a transaction went in that day with that amount of money because it was not me. I even told them if I needed to make legal actions and I needed that info they change the date on me and I would look like a liar in court because my bank account says a different date form the real transaction date.
Consumer complaint received 2020-07-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX XX/XX/XXXXand Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXXXX/XX/XXXXand Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.
Consumer complaint received 2020-08-13
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. (LA)

Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX  it states closed and current and on XXXX  and XXXX  closed and delinquent.
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (FL)

I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX   and reporting Full termination, balance owing on XXXX and XXXX.
Consumer complaint received 2020-12-07
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: Patenaude & Felix A Professional Corporation (AZ)

The Law Firm of Patenaude & Felix first sent a letter in XX/XX/XXXX which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XX/XX/XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/XXXX and received on XX/XX/XXXX. They are even deceptive in their mailings.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

I AM NOT SATISFIED WITH CITIBANL I ASKED WHETHER I AM ENTITLED TO A REFUND. THE FOLLOWING IS WHAT HAS HAPPENED. 

1. CITIBANK ADVISED ME BY E STATEMENT WITH WRONG INFORMATION THAT ABOUT MY CREDIT CARD ACCOUNTS. THEY SAID I HAD TO MUCH EXCESSIVE POSITIVE ACCOUNT IN MY CREDIT ACCOUNTS AND CITIBANK WOULD LIKE TO TRANSFER IT TO ME. I REJECTED THE TRANSFER AS I NEVER HAD MADE EXCESSIVE PAYMENTS CAUSING MY CREDIT CARD ACCOUNT TO BE POSITIVE 2. I SAW IN MY XXXX A MISSCALL ON XX/XX/XXXX AT 22- 23 HOURS FROM CITIBANK INTERNAL INVESTIGATION TEAM WITH NO MESSAGE I RECEIVED AS I ALREADY SLEP. 
3. I MADE THREE ENQURIES TO XXXX you have questions about whether you are entitled to a refund, K AS SUGGESTED 4. I RECEIVED THREE MISSCALLS YESTERDAY 5. I CALLED CITIBANK AND ASK IF I AM ENTITLED THEY SAID IT IS BEING PROCESSED. ND OTHER OPERATOR OFFERED THEI SERVICES. I  SAID I AM NOT DOING ANYTHING AS INSTRUCTED
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WINN LAW GROUP, APC (CA)

I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. 
Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. 
XXXX ownes this debt. Winn Law Group calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XX/XX/XXXX. 
RThey sent me a settlement that they did NOT SIGN, amountb too high.

They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! 
They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. 
Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....