davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VT)

On the XXXX of XX/XX/XXXX my girlfriend 's sister and mother were both contacted by XXXX & XXXX- though the person never gave a name or the name of the company. They were both frightened by the tone of the call and contacted me. I called them yesterday ( through the number that was given on the message ) and it was only when I asked that the lady I talked to said the name of the company - XXXX XXXX XXXX. I've since tried to look them up and have found no information about them online. I don't know the name of the lady I talked to ( she never gave it ) but she was very threatening. She asked for the last XXXX digits of my XXXX and when I hesitated she said she'll get it from the court when they sue me. She said they sent me documents on the debt but I never received anything ( despite her having my address ). This was a theme throughout our conversation- I would ask her a question and she would answer with an answer that was " or it'll go to court '' " we can settle it in court '' " You'll be sued ''. She told me the store the Gap is suing me for a store card I had from XXXX. The amount of the debt is {$1000.00} ( per the lady ) but they ( the Gap ) would settle for {$770.00} right now. When I asked where I would be going to court she stumbled and thought and said that she thinks the debt was from XXXX so likely Colorado. She told me that a person was on their way today to deliver a court summons unless I pay the amount. I told her I'd have to talk to a lawyer ( because I wasn't sure of any of this ) to which she said " I'll see you in court! '' and hung up on me. I was very confused and frightened by the whole thing. I don't remember having a Gap card in XXXX and I'm suspicious that this person/company are trying to scam me.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I paid the remaining for this account early this month of XXXX. I tried to log in on XX/XX/XXXX to get the statement through the online banking service, and I couldn't login. I attempted changing user ID, password, everything. Nothing. I called a customer representative on XX/XX/XXXX, and they told me they couldn't provide that information to me. They then changed their statement during the phone call, saying they would send it through email but that I takes up to 5 days and by mail from XXXX days. She explained to me that I was active in online banking, that she didn't understand why I couldn't login. I told her that it was my last payment, then she told me probably you got kicked out because you finish the paymentsI asked her if that was true, why I can't see my statement. She said : Well, I don't know if you paid off, I can't tell you this information. I continued begging for it, then she said that the issue was that wasn't the only one in the account. Explained to her that my dad co signed, but I've been the only person getting statements mailed and paying everything, my dad doesn't even lives in the country. Then she saidOk, I think I can send you the statement I agreed to have the statement sent through both channels. Never got it. A customer service representative called me yesterday, XX/XX/XXXX, since I left negative feedback. She promised me to sent me the statement that same day through email. I get an email, encrypted, to read a message this morning at XXXX. I followed all the steps, and I get an error message. I'm still not able to see that statement, which I desperately need to complete an application to be pre-approved for a mortgage. I sent her an email explaining the situation, and no answer from them. I still don't know why I can't get this statement.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (GA)

Please address this matter urgently, as Ally failed to contact me before reporting the missed payment to the credit bureau, even though, as a cosigner, I should have been informed. They also refused to help my girlfriend under extreme circumstances. 

I cosigned on a vehicle for my girlfriend, who has made every payment on time for over XXXX years. However, in XXXX, XXXX XXXX hit Georgia, destroying our home and causing her to miss her first payment. In the aftermath, my loan provider, XXXX, granted me a courtesy forbearance, and I assumed Ally would offer her similar assistance. However, when she reached out to Ally, they refused any form of support or relief, despite the financial impact of the hurricane. 

My girlfriend did not inform me that Ally had denied her assistance, so I was unaware of the missed payment. The payment eventually went 30 days past due, and Ally never notified menot by phone, email, or maileven though I am a cosigner. I only discovered the issue when I saw my credit report, showing a XXXX drop due to the missed payment. 

I contacted Ally twice to resolve this. On my first call, their outsourced customer service struggled to understand the situation and promised a manager would follow up, but no one ever did. XXXX weeks later, after a lengthy phone call, I finally spoke with a XXXX. I explained that my girlfriend had always paid on time and that this was a unique situation caused by the hurricane. However, they still refused to remove the negative mark from my credit report, saying, you should make your payments on time, even though the missed payment was due entirely to a natural disaster. 

Allys refusal to assist, given these circumstances, shows a lack of compassion and a failure to follow the standard practice of notifying responsible parties, such as the cosigner, and their responsibility to provide reasonable assistance after a major disaster.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc. (LA)

I am writing to report identity theft. Someone named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX has been using my credit information for loans, most recently student loans. XXXX XXXX XXXX XXXX Nelnet XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Two student loans opened on XXXX XXXX 2024 for {$1700.00} and {$3000.00}. Please help and cancel these accounts that are in MY name! The company is Nelnet Student Loan!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (IL)

I am writing to formally file a complaint regarding inaccurate reporting and unresponsive customer service practices that have negatively impacted my credit report and overall experience as a consumer. 

The creditor has been incorrectly reporting a missed payment for XX/XX/year>. Despite my efforts to resolve this issue, including obtaining a XXXX statement directly from their website, which clearly shows no missed payments within a 59-day period, they have continued to report this erroneous information. I have also requested a detailed statement multiple times to clarify this issue, but only after repeated requests did they provide a statement. Upon reviewing it, I noted discrepancies that indicate information may have been fabricated. Also their employee mishandled my account and this is negligent! 

This inaccurate reporting has affected my credit score and financial standing and has caused undue stress and frustration. As a responsible consumer, I strive to maintain an accurate credit record, and this false reporting jeopardizes my financial credibility. Additionally, the failure to respond promptly and provide accurate information shows a lack of transparency and accountability on the part of the creditor. 

I ask that the CFPB assist in investigating this matter and hold the creditor accountable for correcting the inaccurate information on my credit report. I also request that they provide accurate documentation to support any claims they make regarding my payment history. Moreover, I seek assurances from the creditor that they will adhere to standard practices of transparency and accuracy in the future. 

Thank you for your assistance in this matter. I look forward to a resolution that rectifies this issue and prevents further inaccuracies in my credit report.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I know was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt attention.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This morning, I was alarmed to see unfamiliar accounts appear on my credit report, and Im at a complete loss as to why. When I checked my report, as I regularly do, unexpected discrepancies suddenly appeared. I even tried refreshing the page, hoping it was a simple glitch, but the accounts remained. With this issue at hand, Im requesting a thorough review of the documents Ive sent to prevent this from happening again.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (IL)

I turned in my lease with Ally Bank ( auto ) in late XXXX, early XXXXXXXX XXXX XXXX and leased a new XXXX with XXXX XXXX. Upon turning in my lease there was a disposition fee I wasnt aware of, and the dealership where I returned the vehicle and got a new one did not take care of this fee. I was made aware of it via email and I took a settlement that was offered for this fee not realizing this would be reported to credit bureaus as a charge off over a fee I didnt even realize was something I needed to take care of. This fee was {$390.00} of which I paid {$230.00}. I would have paid it in full if I realized this would be reported negatively to credit bureaus as a charge off. This has completely ruined my credit taking it from above an XXXX to below a XXXX. I have called since XXXX of this year to get this resolved and still havent got anywhere. I have offered to pay the {$150.00} difference to get this removed from my credit report. They have told me that they can open the account back up and I can pay the difference for the fee ( {$150.00} ), but they wont stop reporting the charge off. Thats wrong and terrible business practices. I am so on top of my credit and Ive never even had a late payment. My credit and livelihood are being ruined over some fee that Ive never experienced before when leasing a vehicle and Ive had 3 leases so far. This is ridiculous and needs to be resolved.
Consumer complaint received 2024-10-30
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. (NJ)

I am writing to address a critical issue regarding my lease with Ally Bank for my XXXX  XXXX XXXX 3. I began the lease in XXXX, making an initial payment of {$13000.00} at signing, and have since fulfilled every monthly payment on time. 

Unfortunately, due to an unforeseen family emergency, I must now relocate permanently to another country. Given these circumstances, I reached out to Ally Bank to discuss transferring my lease to another individual for the remainder of the term. I was informed that this option was not permitted, and instead, I would need to pay a {$4000.00} termination fee to end the lease early. 

Due to the nature of my emergency and financial constraints, I am unable to pay this fee. I respectfully requested a hardship waiver, which was denied. Given my consistent payment record, I believe that a hardship waiver or, alternatively, a lease transfer, would be a fair solution in a case like mine, where financial hardship has arisen from unavoidable circumstances. 

Additionally, my lease states, If you paid a security deposit, we will use it at lease end to pay anything you owe under this lease and do not pay. We will not pay you interest on the security deposit. We will not add to the security deposit any proceeds, money, or funds we receive from the security deposit. After lease end, we will give back any part of the security deposit that remains. Despite this, when I inquired about my options, no one mentioned the return of my security deposit. Instead, I was told that I would lose the deposit entirely and would still be required to pay the termination fee, leaving me without any benefit from the security deposit. 

Furthermore, I understand that the value of my leased vehicle has appreciated by over {$2000.00} since I began the lease. This increase in value adds to my belief that Ally Bank could fairly make an exception in this case, considering both the equity in the vehicle and my history as a responsible customer. 

Given these terms and circumstances, I believe it would be fair and reasonable to apply any remaining security deposit toward the outstanding fees, should a waiver not be possible. I trust that my timely payment history and loyalty as a customer will be taken into consideration, and I appreciate your attention to my request. 

Thank you for your understanding. I hope for a compassionate resolution that acknowledges my circumstances and my commitment as a customer.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DE)

When I looked at my credit report today, I was alarmed to see unfamiliar inquiries listed. This isnt normal, as I regularly check my report, but this time there were inexplicable issues. After refreshing the browser with no change, I realized this was a serious problem. I urgently request a thorough review of the documents I provided to ensure my credit report is accurate.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I was doing a lot of international travel this year and accidently made a double payment on my American Express Card. When I noticed my error I contacted American Express on XX/XX/year> to request a refund of the overpayment. I was informed that because of the size of the refund ( {$15000.00} ) that they could not wire me the money but had to issue a check. After several weeks of not receiving a check I again contacted American Express who informed that a check was issued on XX/XX/XXXX. After more weeks of not receiving a check I again contacted American Express who said they would issue a second check on XX/XX/XXXX. After more weeks of not receiving the first or second check I contacted American Express on XX/XX/XXXX. They informed me that they would wire the money to my XXXX XXXX XXXXXXXX account and it would be in my account in XXXX or XXXX business days. On the fourth business day of not receiving my money I called American Express. They informed me that they had problems with the routing information and issued a third check on XX/XX/XXXX. I have been waiting XXXX weeks for my refund. I do not have problems with mail theft. I do not believe American Express has mailed any checks.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MT)

I called in this morning to ally bank because my account looked weird and they told me they were closing all my accounts due to the disputes on my account over time, I have gotten horrible service and products from XXXX not everything but I have had to repurchase and return the same merchandise 5 times or more and still get damaged goods and defective stuff not matching the site XXXX doesn't help me in this matter so did disputes for the defective and late merchandise and wasn't informed that they would be closing my accounts and now I'm left with no money, all my money was in ally bank a heads up would have been nice and the manager I spoke to this morning was also very very rude to me and didn't treat me like a customer, I had XXXX XXXX  of money in there and now I'm left with nothing for a week, If I would have known this I would have written a check to take money out of my account but was not sent any notice via electronic means and they said the person in the fraud department wasn't available to talk. This happened one time before when they wouldn't turn my XXXX  back on I waited over a year and they never turned it back on and had to write to get that done too. I'm a very upset customer as they left me stranded with no money until I get paid as I live paycheck to paycheck. I also do have pictures of some of the defective merchandise I had submitted for my dispute if you need this let me know as XXXX was for a package of pens that I have had to buy again XXXX more times to get the wrong item again, I also have the erasers that don't match the website and broken products. If this will help me. I will attach some of the pictures form my disputes filed, Like I told the bank I also order these ice packs XXXX time and they all came this way like the picture, The XXXX of the erasers was for originally being late but they weren't as described by the website but when I contacted the merchant they were no help as always Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank is charging me fees after receiving my payment on time and over the minimum requested amount. The XXXX payment due on XX/XX/year> was paid using my banking institution. My payment was received and credited to the Amazon/Synchrony account on the due date of XX/XX/year>. I spoke with a representative of Synchrony Bank and she credited the late fees stating that their processing time made it late. How is that my problem? I paid XXXX dollars on XX/XX/year> when the minimum due was XXXX. Now they are coming back stating that i did not pay them enough and calling it a Missed payment. Had i known that Amazon used Synchrony bank i would never have applied for this credit. i have the details to send to you from both accounts my bank and synchrony.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

XXXX XXXX it doesnt provide the date, but the amount of XXXX. Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities.

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete.

I kindly request that you provide the requested information within 30 days from the date of this letter. Failure to do so will be interpreted as an admission that the debt is invalid, and I will take appropriate legal action to protect my rights.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (FL)

Complaint Regarding Ally Financial Remittance Issue and Failure to Respond to XXXX Filing CFPB File Number : XXXX XXXX Filing XXXX : XXXX Summary of Complaint : This complaint is filed to document ongoing issues with Ally Financial regarding remittance obligations associated with the referenced account for XXXX XXXX. Ally Financial has failed to provide a valid response or rebuttal to an affidavit included in prior filings, in violation of administrative processes and legal standards. 

Details of Allegations : Failure to Respond with Requisite Documentation : Despite the inclusion of an affidavit requiring a response under penalty of perjury, Ally Financial has failed to provide a signed response with a wet-ink signature from an authorized representative, in direct contravention of legal requirements. 

Security Agreement Breach, Eliminating Arbitration Requirement : Ally Financials actions have breached the security agreement, and thus the arbitration obligation is voided. As per the contract terms, I am not obligated to pursue arbitration due to this breach. 

Request for Remittance Resolution and Acknowledgment of UCC Filing : Ally Financial has been notified of the remittance due and referenced in the UCC-1 filing ( number XXXX ). This filing is not a duplicate ; it represents a second administrative attempt to resolve this issue amicably. If no compliance is received, a third and final notice will result in a court of equity filing to seek appropriate relief.