davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLY FINANCIAL INC. (KY)

In XXXXXXXX XXXX while using the Ally Bank app, I encountered a prominently displayed offer stating, 'Pre-approved! Get 0 % APR for 15 mos. with Ally 's Everyday Cash Back Mastercard. 22.99 % APR after. Get Offer. ' This was positioned above my account balances, giving the impression of an exclusive, direct offer from Ally Bank. There were no disclaimers or indications that this was subject to credit approval or involved a third party. 

Believing in the legitimacy of this pre-approval, I proceeded to apply for the card because I wanted to strengthen my relationship with Ally Bank as I intend to apply for a mortgage in the near future. My financial standing at the time included a credit score of over XXXX, with responsible credit usage ( less than 6 % of my available credit ), no debt collections, no late payments in more than five years, and a very strong financial profile. However, to my surprise, the application was denied. This denial was not only unexpected given the 'pre-approved " status but also adversely affected my credit score, as it introduced an unnecessary inquiry. 

Following this, I reached out to Ally Bank seeking explanations and resolutions. I asked for specific details on why the offer was presented as a pre-approval when my application was eventually subject to further scrutiny and denial. Furthermore, I inquired about the measures they could take to rectify the situation, such as removing the credit inquiry from my report or reconsidering the application in light of the misleading information provided and the very reasonable belief that this had to be a mistake. 

The responses from Ally Bank were inadequate, even hostile by a supervisor, failing to address the core issues of misleading presentation and its impact on my credit. There was no satisfactory explanation provided for the discrepancy between the offer and the actual application process, nor were there any concrete steps proposed to amend the negative impact on my credit score. There was literally no way for me to escalate the matter internally that might have led to a fair resolution. 

I would also like to note I continue to receive this offer in the app, even after being denied, and Ally Bank will not provide an explanation for this. Honestly, it just feels like pouring salt in the wound. I will attach these screenshots to this complaint.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.
Consumer complaint received 2024-01-24
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 (CA)

No resolution provided by amex XXXX XXXX or XXXX when I called multiple times about an e-gift card worth {$200.00} on XXXX XXXX. On both days, tried using multiple times online at XXXX, XXXX, XXXX, etc. and would not work. It says can be added to online wallet but could not be added to XXXX XXXX. I called customer support multiple times and kept getting placed on hold and given the run around to membership services to gift card to tech support which never answered. Phone call would also just hang up with no resolution. The gift card is a scam if we can not use it anywhere online if it claims we are able to easily use anywhere like a real Amex card and able to add to XXXX XXXX when it clearly can not. They claim they also cant do a refund since it is a gift.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I called Mohela on XXXX to ask why I have capitalizing interest in the amount of {$850.00} on my loans collectively. My loans were current at the start of the pandemic and should not have been collecting interest. A senoir rep from Mohela reported that they are unable to see my previous payment information from Fed loan servicing from prior to the pandemic and that the would submit to receive this information and it would take approx 30 days to resolve this issue. On XX/XX/2024 Mohela sent out paperwork stating that capitalized interest would not apply to my acct until XX/XX/2024, so I assumed that they were working on this issue. I spoke again with Mohela today XX/XX/2024 to ask why I have received paperwork stating that i have now over {$1000.00} in interest that capitalized 2 days ago with the current payment they are asking for the month of XX/XX/2024. After approx 2 hours on the phone with several different individuals, Mohela continues to report that they do not have my payment info from Fed loan servicing and that they can not explain where or why I have accrued this interest that they have now added onto my student loan principal. The last person I spoke to at Mohela transferred me to a " supervisor '' which was actually a transfer to their survey system and then I was hung up on.
Consumer complaint received 2024-01-10
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/XXXX Bank of America allowed someone else using my Name, ( maiden name ), to collect all pandemic relief benefits awarded through my unemployment/XXXX  accounts. I was asked to show identification verification to Bank of America in XXXX of XXXX and notified unemployment XXXX  department as well. Bank of America verified that in fact they did do this as my identification number and name was never verified prior to this time at all. I am still awaiting reimbursement of these benefits to be given to me and don't know what else I can do to get my stimulus benefits refunded to me.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CO)

I had taken out a Title Loan to pay off credit card debt in hopes it would consolidate my debt in order to be able to affored housing. I went to One Main Financial after getting an email. I was told to bring in my title to my car which was paid off. I did that and signed the loan docs after the loan officer took many photos of my vehicle. I paid XXXX every two weeks for a year and a half. It has hardly put a dent in the principle of the loan. I fell on extremely hard times due to my mom becomeing ill XXXX XXXXXXXX XXXX XXXX  and was forced to quit my job to care for her. Due to that I am in serious financial problems and looked into Bankruptcy. While doing so, I was informed that Title Loans in Colorado are completely Illegal. I feel like I was completely dupped and had paid so much of the loan back with crazy high interest. Now i'm stuck needing my only vehicle to be able to work and worry they will take my car since I am unable to pay. It is really unfortunate that companies are allowed to reel people in and not have the verbiage on loan docs in regular sized text and a more simplfied form so we as consumers do not sign our life away by not understanding. You almost have to be an attorney anymore to understand any of the content in loan docs and credit card lending.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

XXXX XXXX payments were around {$600.00} XXXX XXXX received information about payments restarting and was calculcated at a similar rate. I signed up for the SAVE plan XXXX XXXX Did not have any payments taken out. I called on XX/XX/XXXX and inquired. At this time they stated that there was an administrative hold on the account and that I owed {$850.00} per month despite being on the SAVE plan. During this time I asked for additional clarification and they stated that I would not need to start repayments for the next XXXX months but that it would be removed automatically from my account at that rate ( {$850.00} ). I reported concerns with the payment rate and requested it to be reviewed for accuracy. 
XXXX Received correspondence that XXXX payments were due in XXXX at the rate of {$960.00} without any additional updates on why the increase occurred. There was no recertification or any changes in the information provided, just an increase in payment yet again. This has made my increase from XXXX to XXXX at around a 50 % increase in cost. I called on XX/XX/XXXX and spoke with a trainee for over XXXX hours and they indicated that a supervisor would review ( XXXX submitted ) it but that no money would be taken out of my account in XXXX and to await further correspondence. They also indicated that I did not need to recertify on XX/XX/XXXX, but that I could wait until XXXX XXXX A payment of {$960.00} was removed from my account. I have called XXXX days in a row and been hung up on twice. I have also requested call backs and no calls have been provided. A supervisor has not contacted me despite requesting their services each time. I was also told that I need to recertify by XX/XX/XXXX. No one has been able to answer my questions and the company continues to avoid contacting me.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have been trying to contact Mohela, my student loan servicer, for months!!! they do not answer the phone. they give no indication of how long you will be waiting on hold. they dont give you an option to receive a phone call. They are denying my submissions for PSLF certification and I can not speak to anyone. this whole process has been horrible. I have attempted to contact the federal student aide department and all they say is they are too overwhelmed to take any calls. so who protects us? all the govt agency are turning us away. are we supposed to just default on our student loans?? there is no help for any of us.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX  XXXX Balance : {$16000.00} 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 2024-04-29
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. (PA)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-01-24
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. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-04-29
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. (CO)

On XX/XX/XXXX, we purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, Colorado. We knew we were going to finance it, but had not had a chance to verify the latest rate with our preferred lender ( XXXX ). When we told the sales person we wanted to verify the rate and then close the deal, he told us we could just put a downpayment on the car, and complete " the paperwork '' with his finance department with the understanding they would hold the paperwork for a short time while we confirmed the rate with XXXX. I was to let him know our decision the next day ( XX/XX/XXXX ). 

I verified the rate, XXXX was lower. We contacted the sales person by email on XX/XX/XXXX sending him the paperwork he would need to give to the finance department to complete the deal with XXXX 's financing. The sales person did not communicate with the Finance Department or he did and they ignored him. Over the XXXX, the Finance Department  initiated 2 hard inquiries on one credit reporting service, and 4 on a second credit reporting service and completed their paperwork, signing us up for a loan with XXXX XXXX. 

When we found out, I contacted the sales manager and got no movement. The Finance Manager reached out and basically told us we could choose to refinance the loan on our own if we wanted - but that we had 'signed the paperwork so he didn't feel he needed to do anything else '. We contacted the XXXX XXXX XXXX and I reached out to the sales manager by email - letting him know we had contacted the XXXX  and that whether it was a communication mishap or whatever, that we were not happy with the deal and wanted them to honor the agreement made with their sales person. They eventually responded to the XXXX  by supposedly buying out our loan with XXXX XXXX and replacing it with the loan from XXXX as requested. We expected them to reverse the hard inquiries on our credit report. They did not. I reached out to the Sales manager again, and asked him if they had a reason they could not reverse the hard inquiries. He did not respond. So we went back to the XXXX  and replied that our complaint was not complete. The Finance Manager responded to the XXXX  that we had signed the paperwork so he was not going to take any further action. Again... that wasn't the deal we made with their sales person - and even though they took partial action, my credit rating went from the low to mid XXXX 's to the high XXXX 's on both credit reporting services. 

My credit is important to me - and XXXX hasn't given me any logical explanation as to why they can't reverse inquiries that should never have been made against my credit. 

I have attached emails and the XXXX chain of communication to cover details I may have missed in this overview.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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