davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (WA)

If it were possible to give ZERO stars I would. Ally is the worst place to have a auto loan with. They are unreliable, untrustworthy, and have zero communication. First- Ally canceled my automatic payments on my car and then told my lawyer that my car was paid off. Which I knew was not the case. Anyways after that got resolved they said we owed late fees ( which is crazy since we couldn't get into the account because of something they did without our permission on their end ). So the car loan re-appeared. Which is fine because we still owned on it. For those 4 months that the account " disappeared '' they said we owed them late fees. Either way. The car is NOW paid off and has been since XX/XX/2019. They refuse to give us the title to my car because they are trying to charge us those late fees still even though the account has been closed out so we can even see what late fees that are referring too since it was them that made our account disappear for that period of time. We have been trying to contact them literally 100 times since XX/XX/2019. We have been transferred to all kinds of " Management '' if you want to call them that, with no response. They refuse to do anything to solve the problem. To make matters worse. They have a man named XXXX XXXX call every morning threatening us about the late fees. That we shouldn't even owe. Then XXXX XXXX hangs up on you every time you ask to speak with a manager. Now the so called managers name XXXX XXXX and XXXX XXXX refuse to call back or take any calls to resolve this matter. Also after looking over the contact that they send us it shows that they are in breach of contract due to the fact that they did not follow their own rules that states late payments would be added as more to your bill at every month or that the final amount would be taken out as a lower amount at the end of your lease. Which did happen, we made the final lesser payment which means it should be paid off. ( I have attached a picture below ). Now that the car is paid off, we have no access to the account and have to go off of the XXXX that they are saying. Again we have been dealing with this for almost a year now. This company is a joke! I wouldn't recommend to my worst enemy. I would rather pay more money and go with a good company.
Consumer complaint received 2024-09-13
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: REGIONS FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear REGIONSBANK, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection.

It has come to my attention that REGIONSBANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for REGIONSBANK to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that REGIONSBANK immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that REGIONSBANK will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2021-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Graduated XX/XX/XXXX from XXXX University with XXXX XXXX XXXX XXXX  Began repayment after graduation and have paid every month without missing. 
Worked at non-profit from XXXX thru XXXX In XX/XX/XXXX applied for loan forgiveness after working in non profit for 10+ years when the program was first available. Had sent employment certifications multiple times, with acknowledgement of receipt. Shortly after submitting all employment verification I received a short letter that I was not eligible due to the wrong type of government loans. Upon calling Navient to follow up I was told that I could start over with the count if I changed my loan. I spoke with a representative that I had been paying 14 years and another 10 would put me at the end of my loan. Navient offered no solution, no help through the process. I was never informed it was a non-qualifying loan. 

XX/XX/XXXX @ XXXX I called Navient at XXXX and Spoke with XXXX XXXX I let her know with the waiver, I would be reapplying for the PSLF. I requested a refund for the payment amounts due to COVID forbearance eligibility. She affirmed I could request a refund and even stated the date would be from XXXX XXXX. She told me this was due to the disaster forbearance and calculated the amount from XX/XX/XXXX to present to be {$6100.00}. She confirmed my address. She then went on to tell me immediately upon the refund Navient would be reporting the account as delinquent and since it was for the given timeframe it would immediately be report to the credit bureaus for being greater than 90 days delinquent and would have a 6 % fee for delinquency of about {$500.00} which would be due immediately. For the fear that Navient insured, I held off on getting my refund for payments. 

My loans have been transferred to federal loans with a consolidation date of XX/XX/XXXX. My PSLF application was acknowledged as received XX/XX/XXXX. I am currently awaiting a loan count ( which should be around XXXX with the waiver ; XXXX over the XXXX due ) and forgiveness. With fear of doing something wrong again or missing a step I have followed up with XXXX XXXX and with legal counsel. XXXX XXXX rep told me I was misinformed by Navient and owed a refund- that I never should have been told that due to the disaster forbearance. 

I, like many borrowers, have been very misled and misinformed by Navient. I have tried to follow processes but offered no help and blatantly lied to. I am requesting a refund of overpayment on loans as I completed my 120 payments in XX/XX/XXXX and worked with two qualifying employers. Thank you for your time and consideration.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX/XXXX  on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX on XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from XXXX, XXXX, and Equifax so that i could begin to dispute incorrect credit info. I received XXXX and XXXX reports and never received Equifax after receiving the other two reports.I tried contacting Equifax by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that XXXX  deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (PA)

To whom it may concern ; I have recently requested that Equifax provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged XXXX XXXX in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. Recently XXXX agreed that they can not verify the information and have deleted the reported information from my credit report. 

Equifax indicated that they verified the Dispute with XXXX, and XXXX. XXXX deleted the information, and I am attaching their reply. XXXX has until XX/XX/2021 to complete their investigation. 

I also provided a copy of a letter From the XXXX Bankruptcy XXXX XXXX Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

Equifax received the complaint on XX/XX/2021 and indicated that they finished their review on XX/XX/2021 ( case # XXXX ). On XX/XX/2021 case # XXXX disputed the findings, and offered up that XXXX still validated the information, this case was closed on XX/XX/2021. How much investigation was made? They did NOT contact the source of the invalid information, XXXX. 

Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

Equifax has failed to respond to the requested action with the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.
Consumer complaint received 2021-03-30
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: DISCOVER BANK (TN)

Hi, There were three credit cards opened under my name that I did not open. The three are XXXX, XXXX synchrony, and Discover. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

I was promised a 3 % down payment with New American funding for loans less than XXXX and was also provided approval letter to the seller for getting into the contract as proof of loan for buying the house. But after getting into the contract, the lender asked for 5 % down payment. I had two approval letters with 5 % for XXXX and other with 3 % for XXXX.It seems 3 % down payment is applicable in case of loan amount less than XXXX. Lender provided the wrong information and caused lots of hassle and put the contract of buying the house into jeopardy. I was forced to look for another lender when the valid preapproval that I had was not honored.
Consumer complaint received 2021-03-30
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. (NJ)

There are several negative items still on my report that are not accurate. I had submitted a dispute for an investigation and a response into these issues on XX/XX/XXXX and I never received any reply from any bureau. I sent a follow-up dispute at that time which was on XX/XX/XXXX. I still have nothing from any of the bureaus and today is XX/XX/XXXX. I don't feel that a proper investigation has been completed since there has been no verifications made and no response received. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (WA)

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (CA)

The XXXX XXXX XXXX XXXX thru Money Network XXXX and XXXX is most likely a way for this company and their cronies to make money off the poor and the government. Withholding stimulus payments and making fees. This all seems like it's purposely hard. 
The card mysteriously isn't sent for months then they send a letter asking you to call to get it. That takes another XXXX weeks. If you even get it. My XXXX  stimulus was directly deposited. The XXXX ones hard to get because they gave their greedy buddies a side piece of action. XXXX. 
This is completely unnecessary except for a few greedy men ti the make money off the many. 

This company needs to be looked into for the good of the people. They have it set up so they make money and/or keep it from those who don't have the resources to fight it. I'm pretty sure there is a class action lawsuit here somewhere.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

My Equifax credit score went down over 100 points in XX/XX/2020. There were no derogatory remarks on my account and the other credit agencies reported an increase in my scores. I called Equifax, spent well over an hour on the phone and was only offered a free credit report in the mail. Nothing was resolved. Now once again I checked my score today and again they dropped it over 40 points. My scores from all the other agencies are around 600. Equifax has it at XXXX!!! Ive been on time with all payments and working very hard to increase my score for the last 9 months and theyre destroying me.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

On XX/XX/XXXX, my ReliaCard was stolen at approximately XXXX, while I was asleep. Upon awakening, I immediately called ReliaCard and reported my card stolen. I then immediately called the police and filed a report ( which Ive submitted to ReliaCard twice now. Detective Sergeant XXXX was assigned to my case. Ive sent ReliaCard his name, phone, fax, email, and work address. This detective has the videotape of this thief stealing {$1000.00} off my ReliaCard at the ATM at XXXX XXXX XXXX nearby. 5 unauthorized withdrawals timed at one per minute, for 5 minutes straight, each for {$200.00} ( plus fees ), for a total of {$1000.00}, at which time the card shut her off. 
I pressed criminal charges, The thief is currently in jail, charged with Felony Theft and Receiving Stolen Property. Its been over 2 months and Ive received NOTHING from ReliaCard- not a provisional credit, not an approved dispute ( Ive been denied twice because based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. Ive sent a 6-page letter, all documents theyve requested, a police report, all the detailed information I possibly could, and Ive followed through with everything I possibly could legally ( this thief is on her way to prison ), and I cant get my money back from ReliaCard- despite their own policy, despite banking regulations, despite my spending over {$30.00} in faxing expenses. This is RIDICULOUS. 
And if youre wondering how the thief got my pin - the ReliaCard was new, I had just started using it a few days before, and I had it written down in my wallet. This was my mistake, my part in the situation, but Im sure things like that happen all the time and consumers are still credited their stolen money back. Correct? 
I want {$1000.00} credited back IMMEDIATELY, plus the {$30.00} I spent on fax machines.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (IL)

On XXXX, I made two payments that equaled the amount of my car note. On XXXX, the bank illegally withdrew another payment. I NEVER authorized in writing for this bank to automatically withdraw monies from my account. When I got in touch with the bank, they said it could take 10-14 days to replace the monies. I told them " unacceptable '' because they overdrew my account, couldn't pay my car insurance and other bills. I need them to make me whole and pay my car note for XX/XX/2022 ... a show of good faith.