davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (KS)

Im submitting this complaint with ALLY because my credit score was negatively impacted due to ALLY reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to ALLY ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to ALLY for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. ALLY either did not properly send a request for payment from my bank, or did and something prevented the money transfer to ALLY. I was never properly informed by ALLY about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to ALLY. I only found my original payment was not posted when I logged into my online ALLY account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to ALLY. I'm only bringing this issue to the attention of others now because I did not know ALLY was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by ALLY. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for ALLY to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit reporting agencies XXXX XXXX  XXXX XXXX and Transunion XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

A debt in the amount of {$2300.00} has reflected on my credit. This debt is not mine, I have called several times to dispute the collection and no one has been able to even locate me in their system. He supposedly looked me up by name and phone number with no result, and when I asked him to search for me by social. It turns out they do not have my social at all, yet ACIMA is hitting my credit for this amount. This collection is causing a huge impact on my credit and I should not be having this issue, especially since this debt isn't even mine. Every time I call, I noticed I am getting the same person over and over. And when I ask for information or to speak to someone else, his response is " there is no one else I can speak to. '' While on the phone with him, he will completely cut you off, talk to you extremely rude and even laughed because I wouldn't stop insisting on more information. After speaking to this person, on XX/XX/2023 I decided to take matter into my own hands and make a police report regarding the issue. If this issue is not resolved, I will also be taking legal actions.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX  - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX  - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (NY)

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX. I am a Consumer that resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX County . I am writing this complaint because I submitted complaint : XXXX on XX/XX/XXXX/2023, however, Experian opened the complaint on XX/XX/XXXX2023. As ofXX/XX/2023, it has been well over 30 days. According to 15 U.S.C 1681i, Experian has to delete this information since Experian has not verified the accuracy of this information. This information should be deleted within ( 7 ) days of receipt of this NOTICE. THIS IS INTENT TO SUE if this information is not deleted. I, XXXX XXXX, will assess a fine of {$1000.00} per day upon receipt until deletion of this information pursuant to 15 U.S.C 1681n.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MO)

I had signed up for a Wells Fargo checking about in early XXXX ( I believe it was XX/XX/2020 ) on a promotion that offered {$400.00} for opening a new account and having {$4000.00} worth of direct deposits made into the account within 3 months. I had met the deposit requirement a few weeks ago and was waiting for the bonus to be applied into my account. When I went onto my account today ( XX/XX/2020 ) it informed me that my account had been closed. I went through my email and Wells Fargo message center to see if there was any explanation to this and found nothing but an email and a message on Wells Fargo ( the only message they have ever sent on the messaging center ) stating the account had been closed on XX/XX/2020. I had called Wells Fargo customer server to inquire about this and was questioned if I was the one who closed the account and was told that there must have been some type of contact as to why the account was closed ( no emails or messages were sent prior to the account closing and the representative also questioned me multiple times regarding if it was me who closed the account ). She then proceeded to argue that the promotion was not as I said and it was actually {$3000.00} in direct deposits per month for 3 months. I had attempted to inform them that that was not the promotion and that I did not receive any communication regarding the account closing and that I did not close it. They continued to argue with me and tell me that I was incorrect and that they did not have a reason as to why my account was closed. The only thing they could say was to go into a banking location and discuss this with them. 

I feel scammed and I do not think it was a coincidence that my account was closed right at the 3 month mark ( opened on XX/XX/2020-closed on XX/XX/2020 ) that would qualifying me for the {$400.00} bonus. I still have no explanation as to why the account was closed and was offerEd no assistance from Wells Fargo. They were very rude and not concerned at all with the fact that they could not explain why my account was closed and argued with me regarding the terms of the account being closed. The account was active and was set to receive the direct deposits from my paycheck. I am supposed to be getting paid tomorrow ( XX/XX/2020 ) but I am now not going to receive my check because my account was closed. I do not know how long it will take for my work to send it to a different account but I know that I will now not only be out the {$400.00} promotion offered to me but also not able to access my money because it is being deposited into an account that is unexplainably closed.
Consumer complaint received 2019-03-09
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. (CA)

In XX/XX/2018 I wrote to all three credit bureaus about accounts and inquiries that appeared on my credit report that I did not authorize and that were the result of ID theft, an incident that was previously recorded and noted by XXXX, XXXX XXXX and Equifax. Upon learning about said accounts ( detailed in the letter attached ), I immediately notified XXXX, XXXX XXXX and Equifax of the errors that appeared on my credit reports. XXXX   and XXXX XXXX completed an investigation and concluded that the accounts and inquires indeed were reporting in error and thus deleted them. I have proof of the investigation results and deletions from XXXX XXXX dated XX/XX/2018, which is also attached. I also received a letter from one of the companies reporting as an inquiry, XXXX XXXX XXXX , stating that per their investigation, the inquiry and account associated was indeed created in error and they would notify all three credit bureaus. The accounts and inquiries were deleted from XXXX XXXX and XXXX. Only the account and not the inquiry was deleted from Equifax. I followed up with Equifax asking them to verify with proof in compliance with FCRA Section 609 a ( 1 ) a to show me proof of account ownership since they did not remove the accounts and inquiries. Their response was simply " VERIFIED. '' Now with EVIDENCE that the accounts reported were admitted an error by the companies AND all three credit bureaus were notified to delete them, it is evident that Equifax 's negligence of deleting the accounts is willful noncompliance with the FCRA. At this point, I do not want any more " reinvestigations. '' I want the accounts and inquiries noted in the attached letter REMOVED. XXXX and XXXX XXXX did a thorough investigation and removed them. Why is that the ONE credit bureau with the most vulnerable database subject to data breaches and negligent protection of consumer information is the least willing to comply with the law? This is my final attempt to resolve this matter before I file suit against Equifax. This needs to be corrected IMMEDIATELY. 15 days should be enough time.
Consumer complaint received 2018-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I have a current mortgage with Mr. Cooper/Nationstar and in XX/XX/XXXX I began a refinancing process. In this process an appraisal was required. I paid for the appraisal on XX/XX/XXXX ( XXXX XXXX transaction with XXXX XXXX Appraisal XXXX for {$650.00} phone : XXXX ) and received the appraisal on XX/XX/XXXX, which had an expiration date of XX/XX/XXXX. Ultimately, Mr. Cooper was unable to meet my needs so I withdrew my request and started the refinance process with XXXX XXXX XXXX on or about XX/XX/XXXX. I provided this new company with a copy of the appraisal. They reached out to Mr. Cooper trying to get the appraisal transferred to them with no follow through. I have attempted on several occasions to contact the personnel I worked with@ Mr. Cooper but have only been able to leave messages and haven't received any call backs. Now because of Mr. Cooper 's lack of action a new appraisal has been requested which is going to cost over {$900.00}.
Consumer complaint received 2019-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (FL)

Please see attached for proof of discrimination, fraudulent activity relating to discrimination based on zip code/poverty level and proof of intent to defraud acted by Discover. 

Discover closed my account prior to the year contract for no reason in an attempt to charge additional fees and interest rates that were never outlined in any contract. Discover perform actions that caused me severe harm.
Consumer complaint received 2018-12-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (FL)

On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX  it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2018-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.
Consumer complaint received 2018-12-02
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: Experian Information Solutions Inc. (CO)

I had a dispute with XXXX XXXX where they were wanting {$1100.00} to settle an account. I offered them a settlement on XX/XX/2017 in the amount of {$300.00}, which they accepted as indicated by their cashing of the check ( see attached ). However, XXXX incorrectly referred the difference of approximately {$830.00} to a collection agency. I disputed that amount with the collection agency and XXXX ( see attached XX/XX/2017 letter ). Neither XXXX nor the collection agency ( XXXX ) pursued the collection any further. However, it was reported on my credit report as a negative account. I contacted the credit reporting agencies and provided them the information but they have not taken any action and my credit report other than to note that it's " in dispute. '' I am requesting that this issue be resolved on my credit report and the negative account removed from my credit report.
Consumer complaint received 2018-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX   XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX   XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS