davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (CA)

I called Ally Bank SEVERAL TIMES and made sure that an international incoming wire transfer would not incur any fee by Ally or XXXX ( the intermediate bank as Ally does not have international wire ). As the wire was received, I noticed that {$18.00} was deducted from my wire. I called Ally, spent 27 minutes with the representative plus a supervisor and was told that it was their lack of training and that I should go to XXXX to request a refund. I called Ally again the next day, this time for 57 minutes. At first the representative was telling me that it was another intermediate bank other than XXXX that charged the fee. After I told her that the previous supervisor told me it was XXXX, she then told me, " Yes it was XXXX. Let me transfer you to my supervisor. '' It took a long hold and a different supervisor picked up this time ; simply apologized and not willing to refund the fee in any way even the customer was being reasonable with them. Defintely not a fair trade.
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: 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 :. Identity Theft XXXX  Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
5. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-12-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I received a letter from First Continental Mortgage Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
First Continental Mortgage and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and First Continental Mortgage are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now First Continental Mortgage is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
First Continental and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why First Continental Mortage and XXXX XXXX XXXXXXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and XXXX  and XXXX and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
First Continental Mortgage, XXXXXXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Today is XX/XX/2022 and Ive been trying to make payments on credits card that I have with Comenity Bank for days and the systems are down and Im unable to make payments. When you call customer service its say the offices are closed until further notice.Due to these issues I will incur late fees at XXXX each due to a system outage.The online website says my accounts are closed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

At time of closing the mortgage broker said, since rates are so low ( XXXX % ) you could save your down payment, it would require PMI monthly fee, but once your below that 80 % mark the PMI would be removed with a phone call. 

Now the mortgage company is stating that they have the right to access my home and do a complete inspection before which could cost as much as {$500.00} in fees and services. They flat out lied, direct to my face! They lied so that I would pick them over other company offering a lower rate and stating that the other companies would be harder to work with. 

My mortgage company has been a disappointment on so many occasion now. This has been the last straw ; its " time to address this issue.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

I contacted Cavalry Portfolio Services on or around XXXX/XXXX/XXXX requesting validation of debt. On XXXX/XXXX/XXXX I received the attached documentation which is nothing more than a statement that fails to establish that is valid and mine specifically, that the debt was transferred to Cavalry Portfolio Services, fails to document complete account history, and also fails to provide the original agreement of the account. Therefore, this account should not be considered valid.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC (SC)

Contacted via phone a by representative of Alliant Capital Mgmt regarding an outstanding debt of {$980.00} with XXXX XXXX XXXX XXXX. A leasing agreement for a XXXX XXXX digital product was initiated on XX/XX/XXXX using my personal information ( address & ssn ) by someone other than myself. I did not make nor was I aware of this purchase until notified by the debt collection agency. 

Origination date of lease was XX/XX/XXXX with installments being paid through XX/XX/XXXX. The account # is XXXX. 

I've subsequently filed a police report as well.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R & B Corporation of Virginia (VA)

XXXX accordance with the Fair Credit Reporting XXXX  Account # '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX/ XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXX I sent a validation letter to XXXX XXXX/ XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Mortgage loan servicer did not properly credit the payment that I made on XX/XX/2022 in the amount of {$1300.00}. This payment should have been credited to : XX/XX/2022 at {$670.00} & XX/XX/2022 at {$670.00} XX/XX/2022 I made a payment via XXXX XXXX for : XX/XX/2022 at XXXX USD
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I have Chase credit card that I intentionally set with a maximum limit of XXXX. I had a charge hit my card that I did not approve for XXXX that occurring on XXXX/XXXX/XXXX from a vendor that I did have a monthly recurring charge from but not this high of an amount and I did not authorize this large amount and never authorized Chase to accept any charges over the intentional XXXX limit max that I agreed to. I called Chase shortly after it occurred and was told they accepted the charge because it was a vendor that I use and as a " courtesy '' to me as a card holder. This was not a " courtesy '' and has cause havoc with me trying to pay off my bill. 

Because they did this, I was unable to even negotiate the XXXX amount down from the vendor or make the vendor eliminate it. They would n't budge because they had already received their money from Chase. 

Also, the card being over it 's limit has cause me to be declined for a debt consolidation loan because it is significantly over the credit limit. it is infuriating because I never authorized the charge and had a set lower limit intentionally. 

Chase did say they would visit with the vendor to dispute the charge, but I have already had to deal with vendor directly. It 's really not about the vendor it 's about the fact that Chase and I had an agreed upon contract with a credit card and a set limit that should never have exceeded.
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TN)

On XX/XX/2022 Capital Accounts sent me a collection saying I owe them {$3000.00} with added interest of {$430.00} resulting in the amount of {$3400.00} I replied back via certified mail on XXXX2022 asking them to validate the debt that they are saying I owe & to cease any credit bureau reporting until debt is verified by me. They then send back a bill of service fees. On XX/XX/2022 I sent a 2nd debt validation letter stating that thats not enough to valid a debt saying I owe to please send evidence proof of the allege debt including specifically the alleged contract or another instrument bearing my signature. They didnt comply, sent the same bill of service also put the collection on my credit without me verify the debt and still adding interest
Consumer complaint received 2022-09-19
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2021-01-15
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. (CA)

I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent accounts.
Consumer complaint received 2017-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, XXXX and TransUnion all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted Transunion for a " free copy of my credit report. I ordered it and was charged {$17.00} for some kind of recurring service. I asked for no such service and when I called them I was told I had opted for a free 7 day trial ( which I did not ) and that they could n't refund it because they had already paid other services for some product related to this. 
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i tried to add my comments to the specific dispute on my credit report on-line. when i tried i kept getting an error message. after XXXX phone calls i was finally told that I ca n't add my comments to an on-going investigation which seems crazy since i would think Transunion would want as much detail as possible to help resolve the situation. additionally, their comments section is limited to XXXX characters which is not very much. On my last phone call supervisor XXXX advised me that Transunion is having issues with their on-line service and that comments ca n't be added due to technical issues. he advised me to call back and that they would add my comments over the phone which i think is rediculous. i just want to correct my incorrect credit information and i have spent 2 hours doing something that should only take 15 minutes, and it 's still not resolved. I attached my complete and condensed version for your information in case you can forward either one to TransUnion. the edited version is what i tried to attach to their on-line service due to their character limit.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX and receive XXXX. 
Four years ago, while living in Florida, my doctor advised me to go directly to the XXXX XXXX at XXXX XXXX Hospital. At the time I was awaiting my XXXX determination and was covered under XXXX XXXX, XXXX and the XXXX program with the XXXX XXXX XXXX. I have never had any unpaid medical bills prior to that. While checking my credit report I found that a company called XXXX XXXX had placed XXXX items on my credit report. The largest from XXXX Hospital is almost {$3300.00} from XX/XX/2013 which was sold to collections just as the 4 year limit of statutes expired. XXXX XXXX did the same for {$990.00} for what has to be the same visit to XXXX XXXX XXXX. They have made my credit suffer and these accounts had to have been paid by the State programs put in place or else XXXX but no one has that information stating the debt is too old, yet they just added it to my credit report.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed 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 Step XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **XXXX Apr XXXX XXXX XXXX **XXXX XXXX XXXX XXXX XXXX