davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (PA)

I am writing to file a formal complaint against Ally Financial regarding their handling of my auto loan. The issues with this loan include predatory lending practices, failure to resolve disputes, and improper handling of my account. 

Background and Issues Violation of Contract Terms The contract includes an arbitration agreement that prohibits the sale of the account to third parties without arbitration. By selling the account to XXXX XXXX XXXX, Ally Financial has breached this agreement. This action is in direct violation of the terms outlined in the contract and undermines the legality of the contract. 
Failure to Release Title Despite the alleged balance of {$1300.00}, Ally Financial 's refusal to release the title of my vehicle after the account was transferred to XXXX XXXX XXXX is unjustifiable. According to the Federal Trade Commission ( FTC ) Act, it is illegal for a company to engage in unfair or deceptive practices in any aspect of commerce. The continued withholding of the title, despite the sale of the account, violates my rights under the FTC Act. 
Reporting Violations Ally Financial continues to report the account to credit bureaus despite transferring the debt to a collection agency. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The continued reporting of the account after its transfer is inaccurate and misleading, violating the FCRA. 
Predatory Lending Practices The terms of the loan, including the high Annual Percentage Rate ( APR ) of 7.84 % and exorbitant finance charge of {$8600.00}, reflect predatory lending practices, which exploit consumers. Such practices are prohibited under various federal and state laws designed to protect consumers from unfair and deceptive financial practices. The down payment did not leave the dealership, which constitutes an illegal practice. 

The balance of {$1300.00} is unjust, and I am prepared to pursue legal action, which will likely result in significantly higher costs for Ally Financial. The legal fees alone will far exceed the current balance, not to mention the potential damages and penalties that may be awarded due to Ally Financials blatant violations of federal and state laws.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

I have an auto payment setup for the balance for my credit card from truist whom i also bank with. I discovered on my last month i was charged twice for the same exact amount for my credit card payment. this issue was resolved with no problems. when i discovered that this had been going on since XX/XX/year> i called again. the lady i spoke to said that they would be able to give me a full refund within three to five business days. after the fifth day only one more refund had been received. When I called again today they had told me they could only honor one more payment because of the following : my credit card had exceeded its limit, it was a lot to process, and that i had waited too long to file a complaint. I had little choice in using the credit card because my checking account was suffering because of these payments. i had made the mistake of trusting the bank that i have been with for over twelve years, to handle my credit card payment that was from them.
Consumer complaint received 2024-07-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc. (OH)

Hello, My name is XXXX XXXX XXXX, and I am writing to request information regarding a debt from XXXX XXXX XXXX. There is a debt of nearly {$6000.00} listed in my name that is not accurate. This debt does not belong to me, and I would like to have it removed from the credit bureau immediately. 

I did not sign a contract with XXXX XXXX XXXX. According to the credit report, the debt is from XXXX to XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, I am a Bank of America customer for the past 20 years and today I went to the Bank of America location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX for notary services. The documents were closing documents for a property I have in the state of XXXX. The senior manager at the bank refused me services and told me that she could not notarize the documents since the documents stated " the state of XXXX '' which did not make sense. She could have easily struck a line and add Florida and notarize the documents. Instead I had to go to a notary office a block away and pay XXXX dollars for XXXX notary stamps. 

She then calls me back after I paid the outside notary to come back and she will notarize. This was completely unprofessional especially given that I have been a faithful customer for over 20 years. What benefit is to me to continue to bank with you guys if I have to go elsewhere and be charged for services. I am completely disgusted with the manager 's behavior. I would like a call back to discuss this unpleasant issue. 

Thank you XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (DE)

Ally was once Ollo. They never said anything in any form to me about switching to Ally from my Ollo account.

When the switch over happened my payments stopped because I was paying Ollo on autopay. Ally claims they told everybody about the switch.

You can clearly see i was paying Ollo monthly until Ally took over and was unaware of the new Credit card company. 

They refuse to take XXXX late payments off because they told everyone. I had no idea this had helped. I received no correspondence and whats more I still dont have a card from them. They say its due to my account being frozen for unpaid credit. 

Credit that I wasnt aware of with Ally
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

The Chase Freedom Card provided no clear information about charging foreign transaction fees. I already have a Chase Sapphire Reserve card, which, along with most advertised credit cards today, does not charge foreign transaction fees. 

When I went away on vacation last month, Chase quietly racked up Foreign Transaction Fees on my account, without notifying me. Foreign Transaction Fees are not clearly stated on the website, in any advertising for the card. I get emails and letters constantly from Chase, and text messages, they could have and should have told me my charges overseas were incurring foreign transaction fees. 

ESPECIALLY since I have another chase card! They should have immediately messaged me to tell me that my transactions were incurring fees and that I should consider using my other card. 

These charges occurred between XX/XX/year> and XX/XX/year> totaling {$110.00} When I called Chase after getting home, twice, they were obstinate and refused to overturn the charges or refund me. This is RIDICULOUS. I am charged hundreds of dollars per year for all three of my Chase credit cards. It is ridiculous and unfair to charge foreign transaction fees in addition, stealing money from consumers, when these should be CLEARLY STATED on the website, marketing materials and inside of my chase portal. I should also have received notice and warning about incurring these fees instead of them sneakily ending up on my statement. 

How can you call a credit card a FREEDOM UNLIMITED and then charge foreign transaction fees that most other cards no longer charge?!?! That is insane... it is false marketing. 

I am demanding a refund of {$110.00}, this is plain wrong.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IN)

My loan servicer for my mortgage was bought out by Newrez on XX/XX/XXXXXXXX XXXX XXXX XXXX. Prior to the acquisition I had scheduled my normal mortgage payment with the old servicer XXXX. I promptly contacted the old servicer to cancel my old payment which was via a web inquiry, but the old servicer forwarded all calls and web inquiries to the new company. I was not able to access the website anymore nor call them to stop this old payment. I then contacted the number to the old servicer which only connected to the new company on XX/XX/XXXX XXXX XXXX When I called they told me that they could not find my old payment and it would be either transferred over potentially, or canceled, and I should see it soon but to call by the end of the week if I did not see it on my Newrez account. I called again on XX/XX/XXXX XXXX XXXX  and I was told that my payment was canceled. I then got notification that my payment I had set up for the prior servicer was about to be drafted out and it would be posted tomorrow on XX/XX/XXXXXXXX XXXX XXXX XXXX I then contacted the company for the fourth time and they told me again that they couldnt see it. I was charged 2 times even though I tried 4 times to stop it. I had no way to stop the payment and all calls and inquiries led me to the new servicer that either lied or was ignorant of how to stop an old payment. Im now double drafted waiting on a dispute because my 4 attempts to stop it were frustratingly fruitless. It is contrary to law to deny anyone the inability to stop an ACH payment by simply being ignorant of it and shutting down access and contact information for the old servicer. Hold them accountable. I now have 2 payments for {$3200.00} just as I feared. Im disputing the one I could not cancel but the fact that I had no ability to cancel the old one 4 times is criminal.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Kohls/Capital One XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Kohls/Capital One failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. XXXXy Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Kohls/Capital One is reporting on XXXX and XXXX.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NC)

Venmo denied my request for the unauthorized access. I'm requesting to review the materials they used to determine the case. It's been over a month since my request and they still haven't provided me any materials. 

My account number is XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I RECiEVED LETTER FR TRANUNION stated there unable to complete disputes already been. disputes on my accounts l have already provided drivers license ssn .Which is never updated found anywhere. TransUnion l has had disputes lasted over 120 days .some now 1year uses CFBP consumer complaints account .whom also have noticed transunion never responding to my complaint 's. I provided CFBP. Also noticed TransUnion .Closed compliant lwithout. provide Reasons? Now Iim not retrieving Any credit scores XXXX XXXX l have provided sufficient documentation for these accounts. End-removing also no changes founded on credit reports. Noticed these companies is getting away without following fair reporting act. TRAINS-UNION CREDITS IM Constantly having problems with TransUnion numberiuns denial fro different companies. Also others consumers like myself haven Problems with TransUnion credit reporting. people like myself thinking it was a stunt being done by government to keep people from ppl. applying for any lines credit. TransUnion makers. Changes on credit report Without proper warning.Notice when my accounts showing paid off on time payments. XXXX refused to make positive positive. changes found creported to. Increase. File .files. XXXX XXXX.inform me RECENTLY XXXX balance. Now Found on my credit report ..My attorney advised me.in these systems credit reports reported XXXX dropped now reported XXXX. For No apparently reason .when l tried called speaks to. TransUnion Customer service representative notice rep wasn't speaking clear nor couldn't understand clear English. Spoken. Whom states notice was high inquiry then changes said my inquiries been that high.? then she stated was new computer system.? representative gave up. Whom didn't no any reason for credit scores to decrease over XXXX points?. CFBP can not give advice but did provide me all records complaints TRANS closed cases
Consumer complaint received 2024-07-06
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. (CA)

i belive i have been a victam of identify theft i dont no nothing about this account ... this been very hard on me knowing that this is hurting my credit alot i need this delete please XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this account has been very hard on personal level, hurting my credit for something that I didnt do. I need this removed as soon as possible.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (OK)

New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ). 

FTC # XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

I am unable to access my PNC demand checking account, credit card accounts, and mortgage accounts via the PNC 's online portal ( website ). This a recurring problem and has been for years. Multiple complaints about PNC holding account access XXXX have not, as yet, been fruitless. 

PNC 's website demands that I provide its online banking system with my mobile number via a site-blocking pop up message. There is no option to decline, only to remind later meaning, at some point in the future I will again be denied access to my demand and credit accounts until I abide. 

PNC sends me texts. PNC branch personnel call to speak with me. PNC mortgage bankers call me. PNC robots call me to verify my identity. PNC has my mobile number. 

I do not want mobile banking. 

All PNC has to do to resolve this issue is make the website-disabling pop up a timed message.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> i received a phone call from a relative someone was looking for me the relative then told the man I was not at the residence. I was never notified directly of the lawsuit for a debt was never given the summons. I didnt find out until I searched online that there was a suit filed against me. I then found the forms outside my residence on the floor. I responded to the suit on XX/XX/year>. They did not serve me directly, now they are attempting to submit a judgement of default and I have the right to arbitration. Regardless of the outcome Im more concerned as to how they are serving people when they are submitting claims against them without properly serving them.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :