davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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: ALLY FINANCIAL INC. (TN)

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX  XXXX. They ran my credit for XXXX XXXX XXXX, Ally Financial ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MO)

Good afternoon, I have a car loan with Bridgecrest that I have been paying off for the last 5 years. I'm currently at the end of that loan, and I have a new job. I've been requesting a " Due Date '', change of payment since XXXX. Every two weeks, I have to call and pay my bill along with the late fees, and request a new " Change of Payment Date ''. I have called several times to request a change of payment. The customer service doesn't seem knowledgeable, and the manager isn't reviewing the request. I feel like they are doing it on purpose to collect late fee 's and It's casing anxiety and sleepless nights!

Care note : {$220.00} Every two weeks plus card and late fees! 

I called their customer service department on XX/XX/2022 around XXXX pm and spoke with an agent and didn't get anywhere. I asked the agent if they were going to mail me the title after the car was paid off, and said he wasn't for sure if they had the title! 

That really got me upset, and I have lost faith in them. 

Bridgecrest website FAQ : I paid my vehicle off, when will my title be released?

Please call Bridgecrest Customer Service at XXXX for an update on your title release.https : //myaccount.bridgecrest.com/AdviceCenter. 

1. Can they submit and correct my due date change?

2. Once the car is paid off, will they mail me a paper copy of my title, like XXXX, customer service, and their website states? Will it have a tracking number?
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.L. Zager P.C. (NY)

I am seeing on my credit report a collection from ML Zager of the amount {$1800.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Received a letter for Huntington bank that they are closing my account and terminating their relationship with me. 

They will not tell me why but I believe that they are closing my account bc of XXXX merger. 

I plan to get an attorney involved if I am not given credible information regarding the closure of my personal checking account, my husbands checking account and our business account.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (KY)

I logged onto eToro website in order to buy some crypto currency. After trying to get the account set up and working I tried to cancel the account because the currency I wanted to buy wasn't available. After that date eToro tried two more times to take out the original authorized {$200.00} dollars. After the final attempt I had to call my bank and stop payment. I then received a letter from XXXX XXXX XXXX saying they were turning me over to collections for the original {$200.00} plus {$50.00} for a returned item fee. I have tried numerous times to call this company and only receive pre-recorded messages directing me to their non user friendly website. I am not using this companies services and want nothing to do with them.
Consumer complaint received 2021-03-08
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... TENNESSEE XXXX XXXX XXXX ... 11 XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-06
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. (MO)

After giving the credit agencies time to fix this problem they still failed in doing so. The following account has previously been disputed many times all with no prevail. The FCRA assures the consumer that disputed accounts, without physical verification shall be removed. This following account I have no knowledge of and if the credit agencies continue to update it then by the laws of the FCRA they should provide physical documentation before taking the senseless and easy way out by updating an frivolous account. The following account in dispute is XXXX XXXX / XXXX XXXX ( XX/XX/2012 )
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i contacted them on XXXX XXXX and i haven't received anything from portfolio concerning this item : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX  XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$600.00} Dear PORTFOLIO RECOVERY ASSOCIATES : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching a billing statement as proof. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same billing statement referenced earlier. The same happened after I mailed them again on XX/XX/XXXX. 

It seems that Portfolio Recovery Associates, LLC is also attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense, and is illegal. 

It seems they are trying to take advantage of consumers ignorance of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Consumer complaint received 2022-01-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX I bought a house XXXX XXXX XXXX XXXX CA XXXXhaving two loans the first lien was with XXXX  and the second lien with XXXX. 
in XXXX I had a loan modification with XXXX. the loan officer who helped me to modify the first loan did not say anything about the second loan and we forgot all about it. later we found out that XXXX filed XXXX. suddenly I started receiving phone calls from XXXX threatened me to foreclose my home. they actually have a sell day The loan with XXXX was XXXX and XXXX  are demanding 100K cash they referred me to XXXX XXXX XXXXo get the 100K loan. interest rate and processing charges were outrageous. when I threatened them to complaint for predatoring lending they cancel the loan I have contacted other lenders to see if I can get a loan to pay XXXX  so they can stop harassing me. Finally, XXXX XXXX  agreed to accept the refinance and pay XXXX underwriter asked for documents for the charge off date from XXXX They don't have any document. they could not provide any document to match the account number. and the loan died. now they threaten me that the house it's for sale on foreclosure. 
I pay XXXX  First loan on time every month. and I don't understand how XXXX is going to sell my house next month. when my first lien with XXXX is current.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

The coronavirus pandemic has been a mental and physical drain for the globe. During this global crisis, many consumers faced the added stress of dealing with financial services companies that didn't always follow the rules or were slow to move when the federal government attempted to relieve the economic effects consumers were experiencing. 
I am a victim of the above challenge. There is a credit report inaccuracy on my credit from XX/XX/2020 issued by XXXX XXXX. There is a dissonance between the laws introduced to help consumers during the Pandemic and how XXXX XXXX reported my suspended payments to the credit bureaus in XX/XX/2020. I have attempted several times to contact XXXX XXXX directly regarding this inaccuracy with no success. I am left to deal with the error now on my own despite guidelines that were enacted to protect consumers from negative credit implications during the Pandemic. 
At the beginning of 2020, I lost my job due to the Pandemic. My company was a XXXX company that was based out of XXXX, so the economic impacts of the Pandemic hit our company sooner than it did US-based organizations. When this occurred, I called all my creditors to ask for adjustments in payments until there was clarity around what would be next. When I spoke with XXXX XXXX, they said they would suspend my minimum payment, and I would have to call them each month to verify if I still needed this accommodation. They stated I would have no late fees, nor would there be any negative impact to my credit report due to this adjustment on their behalf. They assured me that as a result of the Cares Act and XXXX XXXX making accommodations for consumers that needed it, I would not experience anything adverse. 
I did as they instructed until I was able to resume payments. Once I was able to continue payments, I called them and went back to our regular payment schedule. Upon pulling my credit report at the very end of 2020, I noticed that I had a 30 day late in XXXX of 2020 from XXXX XXXX that appeared on my credit. This late appeared after the time in which I called XXXX XXXX and explained to them that I would not be able to make payments. And that this was accurate, as they assured me as a result of the Pandemic, they were making accommodations for consumers that needed it, who were impacted by COVID-19, that I would not have any late charges or any impacts to my credit report. I called XXXX XXXX and explained to them that this error was on appearing on my credit report, at which point they said they were unwilling to adjust the information on the report. I'm writing in hopes that someone will do a thorough investigation regarding this inaccuracy, as this is a violation of my consumer rights. I was told I would have no implications on my credit report due to the Pandemic, but this is not the case with XXXX XXXX.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-26
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: SYNCHRONY FINANCIAL (TX)

I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (AL)

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/2021 there was a fraud committed on my account where fraudulent checks were in my name, not signed by me and deposited into my mobile banking account which made me delinquent to XXXX shared between my checking and savings. There was no investigation done on my case and I don't have the money that put in the account and taken out. I am not sure what to do. I want to keep my bank account and love Navy Federal 's services but they have not been any help within this situation and I need help with this Identity fraud. I am a full- time student and full-time employee I am very frustrated about these circumstances. Please let me know what I can do to get this cleared and not sitting on my credit.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (FL)

I am the owner of a residential property ( condominium ) which was being leased to two tenants in XXXX. As required by the residential lease, on XX/XX/XXXX, a partial month 's rent payment of {$600.00} was paid to me by the tenants using Google Pay, a digital payment service. I accepted this payment and it was deposited into my physical bank account. 

Nearly five months later, on XX/XX/XXXX, one of the tenants fraudulently disputed this transaction with their bank. This bank, without notifying me, investigating the claim, or receiving my consent, accepted the tenant 's claim as truthful and, according to Google, demanded the {$600.00}.

Google then ( again, without investigation or my consent ) acceded to this demand and unilaterally pulled this amount from my Google Pay account ; since I use Google Pay as a pass-through/payment app and not as an account to store funds, my balance is typically {$0.00}, meaning that this action by Google left me with a - {$600.00} Google Pay account balance.

I contacted Google via online chat, who told me to file a form to start an investigation, which I did on XX/XX/XXXX. On XX/XX/XXXX, Google stated the following : " Thanks for contacting Google Pay support. We determined this dispute claim is invalid. In the disputed transaction, you claimed an amount through Google Pay. We found no system errors and as advised, if it was canceled from the counterparty, you have to contact them directly to get the funds back. The Error Resolution Policy specifically states that any, 'Customers are solely responsible for disputes and GPC is not a party to and will not be responsible for any disputes between Customers. ' Further action may be taken against the other accounts involved. Due to user confidentiality, we cant discuss the outcome of any investigations with you or them. If you have any other questions about Google Pay, reply to this email. '' I responded by stating that their statement was openly contradictory, as they already HAD intervened in the so-called dispute by unilaterally taking {$600.00} from me and accepting the tenant 's ( and their bank 's ) claim as factual. In later emails, they stated that they " can not process a refund for a transaction disputed by the counterparty '' ; again, this is openly contradictory, as they processed a refund for the tenant simply because the tenant made a complaint. No investigation, no notification, just a sight unseen pull of money from my balance to the tenant. I advised them that in this state, stealing {$600.00} is first-degree petit theft, and that, by blindly granting {$600.00} to the tenant and subsequently refusing to assist me when notified of the fraud, they are aiding and abetting that theft. Google has since stopped responding to my emails, despite my attempts and offerings of documentation as to the legitimacy of the original rent payment.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MN)

I have a checking account with net spend and made a purchase from a company called XX/XX/XXXX. After they took my money the product they were supposed to buy never worked it was faulty. After I call net spend to let them know about stopping payment I was told I would have to wait. I have contacted net spend several times with no response and I lost XXXX dollers. I want my money back as this was a scam and Net spend Refuses to refund my money
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately