davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (PA)

Ally Bank will not accept my payments. They tell me due to excessive XXXX, yet any XXXX  I have had have all been made up, and all penalties have been paid. I have an excellent payment history with ally and formerly XXXX XXXX, who unfortunately sold to these bottom feeders known as Ally. 

How can someone ban me from paying, when I have always paid, and made up any and all XXXX  fees????
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
Consumer complaint received 2018-03-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Premier Student Loan Center (WI)

In early XXXX, I was contacted by a company called Premier Student Loan Center. They talked me into a consolidation service that would shrink the amount I owe by almost 75 %. They told me that " XXXX was being sued by the Federal Government due to the fact, they were applying installment payments to their interest amount owed rather than their principle balance. I was weary of this so I decided to look them up on XXXX and found they are " Acredited by the better business bureau '' and a bunch of fake reviews. I was told that if I paid {$1000.00} over 4 months followed by XXXX $ a month for 20 years, they would pay the rest of my {$12000.00} loan. If you do the math, that means I save {$9100.00}. It was a red flag in my head instantly, thinking how could this be possible and is why I decided to XXXX them but was once again misled by false information. I realized that I was dealing with a fake company when XXXX messaged me giving me information that they had consolidated my student loans. I've tried to contact Premier Student Loan Center multiple times and they will not contact me back. I've paid them a total of 3 out of 4 payments ( {$740.00} ) and then cancelled the card I had given them before they could process the 4th payment. I hope others can read this to avoid getting talked into a scam like this.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (PA)

I do not have any association with this creditor. This was not approved and or authorized. 

XXXX XXXX Inquired on : XX/XX/XXXX Comment : Real Estate on behalf of XXXX XXXX  XXXX . This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (GA)

BETTWEEN XXXX TILL XX/XX/XXXX I RECIVED NET SPEND VISA AND MASTER CARDS ALSO ALL ACCESS NET SPEND CARDS FIRST HAD A PROBLEM LOGGING IN THEN SOME OF MY CARDS WERE NOT ACTIVATED YEAH RIGHT THEN I COULD NEVER GET ANY INFORMATION BOUT MY DEPOIST I WAS TOLD TO CALL USA GOV USA GOV GAVE ME NETSPEND NUMBER WAS TOLD THEY HAVE ALL THE INFORMATION ABOUT MY ACCT STILL U HAVE A DEPOSIT TO MA U NEVER HAD A DEPOSIT CONTACT THE ONE U ARE SUPPOSE TO BE RECECING BENEFITS META BANK TOLD ME THE SAME SO I GOT TIRED OF THE BACK AND FORTH I APPLIED FOR THE BENEFITS CAUSE I REALLY NEED THEM SECOND TIME WOW CAN U PLEASE HELP ME OH I JUST CLOSED MY ACCTS
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

On XX/XX/XXXX, I went to the ER. I called the hospital and all my bills with them are resolved which included over {$8000.00} in XXXX of that year for a series of rabies shots ; all my accounts have been resolved and I paid them on time. Now, they told me that apparently the ER doctors bill separately through a company called XXXX XXXX XXXX of XXXX XXXX. To my knowledge, I never received a bill or a call from them, but they sent my information to a debt collector. This debt collector allegedly ( according to them ) sent me ONE letter on XXXX of XXXX, TWO YEARS after this event happened, for which I had no outstanding balance with the hospital, or quite frankly, recollection. The debt collector in question is Assetcare of XXXX, Texas. I have received no voicemails, and they sent my information to a credit reporting agency after only sending one letter which I never received. if I would have seen a bill from a debt collector I would have called immediately, as I did in this instance since I value my credit, and I was told it was already affecting it unless I paid this debt which I never received a bill for until it was already reported. These people had no problem ruining my credit for {$180.00}.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CO)

was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX  fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year>, I received a refusal of my right to credit with Barclays Bank Delaware, which is a violation of THE FEDERAL EQUAL CREDIT OPPERTUNITY ACT under the following provisions : XXXX being notified TWICE through certified mail that I am over the age of XXXX ( age of majority ) and have the rights to enter into a binding contract. 

XXXX. I have in good faith expressed to Barclays Bank Delaware that in good faith I have exercised my rights to credit under the Consumer Protection Credit Act. 

Also, Barclays Bank Delaware has violated the following provisions against me under the Fair Credit Reporting Act : 1. 615 ( f ) ( 1 ) - NO PERSON shall sell, TRANSFER FOR CONSIDERATION, or place for collection a debt if such person has been notified under 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) that the debt has resulted in identity theft.

They have also are in violation of : U.S.C. 1006.18 FALSE, DECEPTIVE, OR MISSLEADING REPRESENTATIONS OR MEANS section ( d ) A debt collector must not use false representation or deceptive means to collect or attempt to collect any debt OR OBTAIN INFORMATION CONCERNING A CONSUMER, in which Barclays Bank Delaware used XXXX XXXX CONSUMER REPORTING AGENCY in which they stated in the denial letter the following : WE ALSO OBTAINED YOUR CREDIT SCORE FROM XXXX XXXX AND USED IT IN MAKING OUR CREDIT DECISION. 

By doing this, they are basing their decision of issuing the due credits to the principal strictly on a third party which my information was transferred for consideration of credit without my consent which is falls under NEGLIGANCE AND IDENTITY THEFT under the CONSUMER PROTECTION VIOLATIONS. 

After notifying Barclays of my principal rights to credit, I received a letter from XXXX with the office of the Presidents of Barclays Bank reinstating their denial of my principal credits and stating how they fully comply with the Equal Credit Opportunity Act and all other consumer protection laws. If this is the case, principal credits need to issued for the reasoning of the violations that they have committed.
Consumer complaint received 2021-02-24
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: CBC Companies, Inc. (OH)

I am writing to request to put a security freeze on my credit report. I'm also opting out of XXXX, XXXX XXXX, Innovis reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.
Consumer complaint received 2021-02-23
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: U.S. BANCORP (IL)

Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. 

It is making it very difficult for me to get a job, buy a car, or even get an apartment. Please help
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

As you will see on the following screenshots, the e-mail conversation between XXXX XXXX XXXX XXXX Customer ) ( XXXX XXXX and XXXX @ XXXX XXXX XXXX ( Supplier ) ( XXXX XXXX. These are the official accounts we are always communicating through. 

The swindler was able to get into the conversation hacking our accounts and carrying out a fraud using the fake e-mail address : ( XXXX ) as our supplier, which one could fool us so we didnt suspect and XXXX our second account ( XXXX ). 

So, based on false information, we proceeded to send wire transfer for {$29000.00} to the fraudlent account of hacker, as we thought he was our supplier in XXXX : Bank Name : CITI BANK Bank XXXX XXXX XXXX XXXX XXXX NJ XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX  Account XXXX Routing XXXX Beneficiary XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX : XXXX Through XXXX conversation we found that our supplier in XXXX did not receive the transfer. Then, after checking slowly, we overlooked that made the transfer to an XXXX bank account and not in XXXX, but we thought the XXXX supplier has an account in XXXX, which is also normal, but that was the scam because he hacked our emails.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, XXXX XXXX XXXX. 
XXXX reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing XXXX responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my Equifax report. 
My loan officer just pulled my credit report and XXXX has me still reported as late for XXXX and XX/XX/2021 on my Equifax report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my Equifax credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with XXXX in this matter. Thank you very much. With best wishes, XXXX
Consumer complaint received 2022-06-21
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Account Number : XXXX Please remove it from my credit report. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (LA)

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
US DEPT ED XXXX {$12000.00} US DEPT ED XXXX {$57000.00} XXXX XXXX XXXX XXXX {$65.00}
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Im a XXXX  seller who has been selling valuable items that I had to get my money together during COVID. I have sold items such as XXXX, and a XXXX and those buyers were proud with there order but I didnt get my money which hurts. So now those people are going around flexing with my items while my money is on hold for 180 days. I think PayPal is being a little overprotective by putting my money on 180 day hold because I dont do fraud or any negative activity, and if you check my PayPal account you will mainly see only XXXX  orders. Im a dedicated XXXX seller who wants to make a brand called XXXX and sell expensive jewelry and designer clothes Ive received in the music industry. I created other PayPal accounts because I felt that PayPal tried to stop me from making money during this rough time in my life. Ive contacted PayPal multiple of times and I get the same email saying I have to wait. The PayPal email Im contacted to work on is XXXX XXXX
Consumer complaint received 2022-01-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Complaint and demand for disclosures under TILA and RESPA related to payment of my money received by JP Morgan Chase for property located at XXXX XXXX XXXX XXXX MI XXXX. 

On XX/XX/XXXX I received an unsigned letter from JP Morgan Chase Home Lending Executive Office ( at large ) where someone told me to send a release Form to the property Sellers, XXXX and XXXX XXXX, to provide me information about their account with Chase. 

My demand for disclosures was not about prior owners account with Chase. 

This demand was about my money wired to Chase as a lender for XXXX ; and this is Chase who must acknowledge receipt of my payment and provide me copy of receipt of wire transfer received by Chase on my behalf ; and who sent this wire transfer to Chase. 

I demand following disclosures : 1. Please confirm that this letter to CFPB on XX/XX/XXXX was actually sent by JP Morgan Chase. 

2. Please state the name, job title, phone number, email and business address of Chase employee who prepared this letter and filed with CFPB ; 3. Please state who authorized this employee to prepare and file this letter with CFPB 4. Please state in writing if JP Morgan Chase maintain its the business 's books and records in accordance with generally accepted accounting principles, or GAAP. 

5. Please provide me a written acknowledgement from JP Mortgage Chase that Chase received a wire transfer as my payment [ or payment made on my behalf ] for property located at XXXX XXXX XXXX, XXXX, MI XXXX with closing on XX/XX/XXXX. 

6. Specify the Date and time the wire was received. Specify who the wire was Received From. Specify who was the payor for this wire transfer ( if other party than who sent it to Chase ) 7. Please state the name of Chase employee who received this wire transfer as my payment. 

8. Please provide me a copy of wire transfer receipt which can show me that the payment on my behalf was made and received by Chase. Specify the received amount. If it was not received by Chase, please disclose who was the recipient of my payment. 

9. Please state if my payment was deposited on Chase Account Receivable related to my purchase. 

10. Please provide me book number and entry number when my payment was recorded on Chase account receivable. 

11. Please send me a copy of Release of this Lien and state the full amount of consideration, in $ dollars, received from ME or on MY behalf by JP Morgan. 

Once again, I am not asking about Sellers account information with Chase. I am asking about my money wired to Chase and a copy of wire transfer receipt after this wire was received by Chase.
Consumer complaint received 2020-08-15
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. (IL)

I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : XXXX XXXX XXXX
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Usaa always fails to investigate properly. I uploaded documents on their site to proof merchant failed to provide goods/services after i paid them. I purchased tickets for a theme park in XXXX, they failed to send those tickets therefore I was not able to travel to XXXX while staying in XXXX. 
I provided proof email conversations with XXXX XXXX failure to provide my tickets I purchased a total of 4 tickets ( XXXX ) but only received XXXX.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC. (IL)

I have XXXX, and received an alert that my social security number was used by factual data on XX/XX/2021. I reached out to XXXX XXXX to file a dispute that I was told by XXXX XXXX that could take 30 days. I was not aware of the Inquiry by XXXX XXXX  nor did I apply for anything online. When I received the report from XXXX XXXX to remove this Inquiry from my Credit report that I did not authorize. I was denied by Guaranteed Rate. Then I was informed that the XXXX XXXX report was authorized by a company called Guaranteed Rate. Then I was informed that this was a Mortgage loan from Online by Guaranteed Rate. Again I did not authorize or apply to any Mortgage Company online. So I have filed an Identity theft fraud complaint with the credit agencies. I'm just requesting this inquiry by Guaranteed Rate, and information removed from my Credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (PA)

I do not have association, credit line, or loans with this creditor. This was not approved and or authorized. 

XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Inquired on : XX/XX/XXXX Comment : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.