davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (IN)

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 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given a {$500.00} AMEX gift card as a bonus at work. I have tried multiple times to use the AMEX gift card online at XXXX, XXXX XXXX, and other stores. I tried adding it to my XXXX XXXX. It gets declined every time. I have not been able to use the funds at all. 

I tried calling AMEX and their customer support was not helpful. They could not give me information on where the card would be valid, they just said keep trying it. I have no problems using XXXX XXXX XXXX in the past. Only this AMEX card can not be used. I have a receipt showing the card was activated and it should work.
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

My vehicle loan is through Ally Servicing/Ally Bank . When I got my truck in XXXX, my payment was going to be ~ {$1000.00}, due on the XXXX of each month. I soon realized that this payment date wasn't working with my paydays ( I am paid monthly ), so I contacted Ally ( in early XXXX ) to request a different payment due date, as I was starting to incur fees. I was told THIS WAS NOT POSSIBLE. 
Since I am paid at the end of each month, and the payment is due on the XXXX, and a grace period of 15 days is allowed with Ally before fees are assessed, I decided to just pay extra each payment, depending on how much I could afford, ranging between {$1000.00} -- {$1100.00}. I did this with the understanding that I was addressing the fees that I had no way of avoiding. 
I logged in to make a payment today, XX/XX/XXXX, and saw that I had a balance of over {$900.00}, due immediately, on top of my {$1000.00} payment, or risk my account being delinquent. 
I called the customer service line and asked to speak with a supervisor. At this point, I had tried to address the problem with Ally before it snowballed to where it is now. I paid extra each month, not realizing that Ally was putting that towards the Principal.

The customer service representative refused to transfer me to a supervisor and kept talking over me when I was trying to explain my frustration.

It is hard for me to advocate for myself already, let alone negotiating bills/debt, but there was no way I could afford ~ {$900.00} out of nowhere.

Somehow, unsure how we got to this point, the lady I spoke with stated that I have until XX/XX/XXXX to pay a reduced amount of {$400.00} to bring my account current, AS SHE ALSO MADE ME MAKE A PAYMENT OF {$1100.00} BEFORE SHE WOULD ASSIST.

In the end, I asked to confirm that my account was at least notated that I called today, but I'm not sure if it is.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (AR)

Account XXXX XXXX This company is reporting negative remarks and late payment in my credit report after I have filed Chapter 7 on this account. This letter is regarding the account I have listed with this company. This is a formal notice that claim is disputed. I'm advising you that you have violated the Bankruptcy Code and permanent injunction provisions, basically a cease and desist letter is sent. The case law is pretty clear that a violation of the discharge injunction is punishable with sanctions for damages incurred by the Debtor, which would include reasonable attorneys fee, Thus, the end results will be that the violating creditor will have to fix negative reporting.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This company is harassing me thru mail, attempting to collect a fraudulent, sold debt from another debt collector from XXXX XXXX, XXXX. They have stated the original debt was from XXXX. Both of these debts are well beyond the statute of limitations. The debt they are trying to collect is fraudulent, I have never owed a debt to PRA, LLC, which they claim to have purchased this debt from. I have asked them not to contact me and told them the debt was fraudulent. They again mailed me paperwork from a debt from XXXX XXXX from XXXX and stated the debt was purchased from PRA, LLC, and then sold to them. I do not owe XXXX XXXX any money. I have cleared with them through their customer service that this debt is not mine. I never owed a debt to PRA, LLC. Even if this debt were legitimate, this is supposedly a debt from 14 years ago being sold over and over again. This company is absolutely absurd to claim this is a legitimate debt. They need to remove my account from their system and stop the mail harassment. This is NOT my debt. I do not owe them anything.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I purchased a vehicle in XXXX XXXX, La on XX/XX/year> and recently reviewed the contract. According to Louisiana law I was supposed to pay {$15.00} for notary fees and {$35.00} for processing, however I was charged {$200.00} documentation fee ; {$18.00} convenience fee ; {$30.00} notary fee and {$96.00} documentation filing fee. 
My down payment of {$8500.00} was added to the cost of the vehicle, not subtracted. The actual cost of the vehicle {$13000.00} would almost triple after payments were completed to {$29000.00} for a XXXX with XXXX miles. 
I did not authorize the use of electronic signature. I noted the contract I have states the interest charge was negotiable, I can not resell/trade vehicle without permission from the dealer and that the vehicle has a GPS tracker used by Credit Acceptance. The contract was given to Credit Acceptance by the dealer ( account # XXXX ) with incorrect charges.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (FL)

I will never stop refilling complaint to the REVVI-XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX :
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and 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 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 2024-07-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

This is a new credit card issued by Comenity Private Bank at XXXX XXXX XXXX XXXX. The check was mailed on Monday XXXX XXXX. Bank states they rceived payment in full on Monday XX/XX/2024 in the amount of {$49.00}. Since the due date was XX/XX/2024, a late fee of {$30.00} was charged to my account with a due dated XX/XX/2024. 

I believe I should not be billed this much and that the fee should be reversed due to such a long delivery by the US Postal Service. 

Thanks for your help, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated (CA)

after several calls, requesting XXXX  from the company way to go card/eppic card /child souport of XXXX XXXX XXXX .about missing found {$13000.00} they conclude that the case was denial because of time frame.
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is servicing my loan and believe they purchased my mortgage loan from some other company. Now they have assigned the Mortgage to a company that is already a subservicing company in the same company. 

CFR 1024.33 ( B ) ( 2 ) VIOLATION SEE ATTCHED DOCUMENTS VIOLATION OF REGULATION X
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I became a victim of identity theft in XXXX when my brother, XXXX XXXX XXXX XXXX : XX/XX/XXXX ), stole my driver 's license and social security card from my home. Using my personal information, he fraudulently opened credit accounts, resulting in significant financial loss and damage to my XXXX XXXX. Upon discovering this,! promptly reported the theft to the authorities, and my brother is now a fugitive. Despite providing police reports and identity theft documentation to creditors, my efforts to restore my credit have been unsuccessful.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

Hi! I am having huge issues with Ally Financial in regards to my vehicle. I spoke with the company several times in the last year asking for assistance with payments. Ally financial messed that up for me on more than one occasion. My car is now in Jeopardy because each agent at ally decides they are gon na tell everyone a different story. My car was out for repossession because Ally kept messing up my payment arrangement and now I am so far behind. I sent a payment as asked if me on XXXX in the amount of {$400.00} to stop the repossession. I called very day for 7 days to make sure that ally was aware I wired this money via my bank account as advised by Ally because I had reported fraud on my banking just a few days before and was unable to make a debit payment. I was told to just wire it and they would get to my account. I called for a week- yesterday on XXXX I was told that payment was not received and car was out for repo. Ally did not even try to assist in finding that missing payment that I provided a confirmation for an everything. No help from ally at all and just a sorry for not calling to advise my payment never made it to Ally. I am so mad at this time. I put slit of effort into making that {$400.00} payment to stop the repo. Please help me. This is unacceptable Have a great afternoon XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (CA)

This account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

APPLE CARD/GS BANK USA XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

XX/XX/XXXX the vehicle was in an accident and declared a total loss by XXXX. It was reported to Ally who is the finance company. XXXX had a difficult time working with Ally due to Ally declining to speak with XXXX 's reps. Ally wanted me to permit XXXX to receive information about the vehicle. XXXX set up a conference call with me and Ally in XX/XX/XXXX. XXXX stated that they have been trying to get information and documents from Ally so that a check could be sent to Ally for the vehicle. However, after two hours of being on the phone, XXXX could not get any information as we kept being transferred from one department to the next as Ally claimed they had no record of the vehicle or the VIN. I later found out that Ally listed the vehicle as a repossession in XX/XX/XXXX and was sent to the Auction storage yard. After several more calls, I was finally able to reach a rep with Ally and get the information XXXX needed to handle the accident claim. Unfortunately, Ally has placed a repossession on my credit report. In XX/XX/XXXX, I received a collection letter from Ally for the remaining balance on the vehicle. I called Ally and asked why the Gap Insurance was not used and was told that the vehicle was not covered by XXXX. I called XXXX XXXX which holds the XXXX  policy and was told Ally canceled the Gap Insurance in XX/XX/XXXX and that it could have been done in error as the remaining maintenance coverage was canceled at the same time. I was instructed to have Ally return the Gap insurance check that was issued and have the Gap Policy reinstated. I did as I was told. XX/XX/XXXX, Ally continues to give me the run around stating that they have no knowledge of canceling the policy but they will do some research and get back to me. I never hear back from Ally. I called again on XX/XX/XXXX, and this time I was told by Ally that the dealership, XXXX XXXX XXXX, said that the Gap policy can not be reinstated because it's been over 30 days. I called XXXX XXXX XXXX the same day and was told that they had no record of Ally ever calling. I was also told by the dealership that they would check on getting the Gap Policy reinstated however, I have yet to hear back from XXXX XXXX XXXX even after making several calls and leaving messages trying to get an answer.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Dear whom it may concern, My name is XXXX XXXX. I am writing to you today regarding an unexpectedly closing of my Checking and Saving Account without any reason by Citi bank Checking and Saving on XX/XX/year>. 
I was using Citi Bank Checking and Saving since XXXX it has been designated as my work Direct Deposit when I start working at my current job. Citi Bank Checking account is where me and my wife use as a reliable account to pay some of our bills and transfer my monthly salary left after bill into savings for rainy days. 
My wife also use XXXX as a high yield saving account. Evidence can be found in previous statements. 
however, on XX/XX/year> when we decide to transfer {$76000.00} from XXXX Saving Account into Citi Bank Checking, Citi decides to close my Checking abruptly and leave us with many questions. Needless to say, it cause stress and anxiety for my family. both of us are losing sleep and can not accept the fact that our hard earn money is out of reach without any explaination. 

Citi Reference Number : XXXX Therefore, I would like whom this may concern can help open our account back and help resolve this situation quick. 
Let us know if you have any concern. 
Thank you for your help.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Account number XXXX The car place Toyota XXXX XXXX XXXX XXXXXXXX; sold me a Toyota XXXX XXXXXXXX for {$10000.00} starting XX/XX/XXXX they started attacking XXXX the bank I had at the time! Taking over {$1000.00} without the car note being due. I asked them to stop they kept on daily through XXXX. In XXXX of XXXX they started threatening to repossess after {$2400.00} in payments. I volunteered the company on XXXX XXXX. I noticed in XX/XX/XXXX they say I owed {$15000.00} but they sold the car in XXXX when I was told the car sold to me for {$10000.00}. Yet XXXX said we need payment of {$8000.00} but no paperwork I dont have anything! Informed on XXXX XXXX if I agree to payment arrangement of {$4000.00} dropped down without seeing any paperwork. I stated I have no paperwork of proof of sold car first and Ill look over and see. I didnt agree.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

On XX/XX/year>, XXXX XXXX informed me that {$2000.00} and {$200.00} were disputed with THE XXXX XXXX, XXXX XXXX debit card ending in XXXX. Consequently, the Add Money transaction was reversed, and the funds were removed from my XXXX XXXX balance, meaning this money was returned to my Chime debit card. However, Chime has not yet released my refund. 

Despite speaking to multiple representatives and providing proof of the situation, Chime still has no information about the {$2200.00}. They even made me reopen my dispute claim for reasons unknown, even though the funds were supposed to be returned to my account within XXXX business days. It has now been over XXXX business days. 

On XX/XX/year>, I spoke with a representative for an update. He informed me that the dispute was still in progress and that I was eligible for a provisional credit, which would be deposited on XX/XX/year>. However, when I called back the same day to inquire about the provisional credit amount, another representative apologized, stating that I was not eligible for any credit. 

Chime has been giving me the runaround for months, and despite finally getting the money disputed, they are withholding my funds.