davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I have had several miserable experiences with Ally but this most recent one is why I am filing a complaint. On XX/XX/XXXX, I was charged {$370.00} for a yearly plan on XXXX. I called XXXX as soon as I found out, and they changed my billing cycle to monthly with the new amount adjusted and taken out from my other bank instead of Ally. XXXX verified the change to monthly on XX/XX/XXXX, changing the plan type from XXXX XXXX ( {$370.00} yearly ) to XXXX XXXX XXXX ( {$26.00} monthly ). So on the merchant 's end, they have been paid for months. 

When I filed a dispute with Ally they temporarily credited my account the {$370.00}. Suddenly, without warning and months later, on XX/XX/XXXX Ally withdrew the {$370.00} out of my joint account and then placed a hold of {$370.00} on my rent account. They claim they sent a letter, but I never received it. They also claim to have sent a message in my notifications inbox about the resolution but I don't have one there either. I have all the screenshots, billing statements and proof that the merchant has been settled and I am due the amount of {$370.00} back from Ally. Now I have no way to pay my rent XXXX get groceries. I hope that this helps educate others about the nature of how Ally manages banking accounts poorly.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I learned in XX/XX/year> that the address on my late brother 's estate account, to which I am the legal court appointed representative was fraudulently changed from the original permanent address in Georgia and another address in Florida. This was done without my permission and was not done by me. 

The account was opened at BofA with a XXXX XXXX on XX/XX/year> at the XXXX XXXX branch in XXXX GA. I have attempted multiple times to call/leave a message, and email XXXX and he has been unresponsive. 

Bank of America has been uncooperative, XXXX XXXX has been non-responsive, and now a XXXX and XXXX at the XXXX XXXX XXXX in XXXX GA, both of whom acknowledged the change but have been unable to tell me who/how this address was changed without my permission. In attempting to contact the XXXX # they too have been unwilling and non-responsive. 

This change was FRAUD. And BofA has been horrible. 

Please tell me who authorized this change without my permission? BofA has been unable, unwilling, and non-responsive.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money (GA)

I reached out the day before my first installment was due to pay off the loan in full. A representative of the lender explained that they already began processing my payment before the scheduled payment date and that this cant be cancelled and that I will be charged for the full amount of the loan in addition to the first installment. They changed my recorded full payment date to the next day in order to make it seem like I paid in full after the first installment to get more money. This is contrary to what the loan agreement says. I tried to speak with someone from leadership and they explained that they arent available.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year>, my Chase account was locked for suspicious activity. I called Chase to find out that an individual by the name of XXXX XXXX XXXX and someone representing themselves as me went into a Chase branch in Indiana and opened an account in my name, with XXXX XXXX as a co-signor. They proceeded to open an account in my name, link it to my existing profile, and were able to transfer funds around and ultimately into the new account that they opened, and withdrew money. I believe the final amount missing is {$23000.00} ; they also obtained access to one of my credit cards and spent nearly $ XXXX in expenses. I have been reimbursed for the credit card transactions, but am missing the {$23000.00} from my checking account and joint account. Unfortunately, Chase has been horrible with this ; transferring me to various parties, no one having the facts, not assisting, and there's very little being done, nearly XXXX weeks later. Additionally, the Chase branch clearly has very little security measures, as my ID is on file ( Illinois drivers license ) and the perp brought in a fake MN ID, and was of a different race. Clear mis-match.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NJ)

On XX/XX/year> I received email in response to my visit To their website, stating " Dear xxxxxx, Congratulations! You've successfully signed up with myEquifax. 

What does this mean? It means that you now can now conveniently manage your Equifax security freeze, file and keep track of a dispute on your Equifax credit report, and place a fraud or XXXX XXXX alert - all in XXXX place, online. ... '' That may have been premature. I was there for the first time in over XXXX year to get an updated report and freeze my account. Both efforts were frustrated by my inability verify my identity using their measures. 

Equifax, it's not that hard! CFPB verified me in seconds. It works unless you assume someone else is sending you my valid driver 's license, operating my email and cell phone and should have all the garbage you collect under my " account '' memorized for your pop quiz about what is contained in that alleged record you keep under my name. 
At this point, I'm sure it's great for your data sales and equally damaging to me. You are welcome to convince me otherwise. 

I has been XXXX month since your ServicXXXX Representative assured me they had escalated my concerns to a management team who would contact me but I heard nothing more from Equifax.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

I Have a mortgage with PHH, and have requested for my PMI to be removed. They conducted an appraisal and denied my request. In reviewing the appraisal, it was done with a very low level of quality, had missing information, and used comps that were over a year old. I have followed all their requests to submit new comps on my own to start the process again. Since then I keep being told they need XXXX more days, then XXXX more days, then XXXX more days, and so forth to review. They state their PMI department is internal and is not able to speak with people directly. This process has taken months, and every time I call in, they tell me the person working on my case can not be reached. There is something extremely shady going on that it would take months for my complaint about the XXXX to be reviewed. Now I have to worry that because I am speaking up for myself when I call, that they are purposely delaying a response/decision on my PMI for my loan. 

Are you able to help?
Consumer complaint received 2024-09-08
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. (MI)

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 


Account Name : XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Consumer complaint received 2024-07-12
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: STATE EMPLOYEES CREDIT UNION (NC)

After reviewing mortgage documents, it seems that I was misled in what I was actually signing. It seems that a trust agreement was signed instead of a contact for a " mortgage loan ''. In light of this I claimed the property to be a part of my estate and sent a Qualified Written Request under RESPA that was served to NCSECU on XX/XX/year> asking for specific accounting details of the alleged " loan ''. I will attached all documents that were sent to NCSECU. I also notified the IRS of this transaction, ( which I was unaware I needed to at the time ) by filing a 1099-OID and a 1099-A for acquisition of the property. The IRS accepted and sent copies of these forms to NCSECU. I know that they received them as they in return sent that copy B for both forms back to me. 

On XX/XX/year> I received a response stating that NCSECU had received my documents ( QWR and estate claim ) dated XX/XX/year>, but to please be advised that they are " unable to accept my documents ''. 
As the CFPB and NCSECU is aware, a servicer is required to respond to a QWR request within 30 days - or request an appropriate additional time for the request to be answered. Per their response- they have no intention of providing the information, although they have acknowledged they received the Qualified Written Request under RESPA. This is serious cause for concern. If a " loan '' was provided to me in the manner I was told it was, why would there be any hesitation to provide the accounting details of the loan.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account.

About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX. 
I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds .... 
I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative. 
I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them. 
I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries. 
Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed. 
One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account. 

I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-04
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. (CA)

XX/XX/year> XXXX by XXXX XXXX. Sent me a physical letter stating a Confirmation of Account XXXX for Account Ending XXXX. I have never had an account with XXXX by XXXX XXXX? 
XX/XX/year> XXXX XXXX  : I received an email from XXXX XXXX that my email address has been changed. When I logged in I noticed that a different email was being used for the account. I contacted XXXX XXXX and they suspended as well as deleted my account permanently as per my request. 
XX/XX/year> XXXX XXXX XXXX  : I received a letter in the mail stating that I applied for a credit card but was denied due to the application " has been determined to be suspicious or potentially fraudulent '' XX/XX/year>XXXX XXXX XXXX XXXX  Application Number XXXX Notice of Credit Card Application was not approved. 

IN ALL OF THESE INQUIRIES, I DID NOT APPLY FOR ANY OF THESE CREDIT CARDS OR REQUESTED THESE PROCESSES
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

In XXXX XXXX I find out my XXXX XXXX  account hacked and they take {$8700.00} from my bank because my XXXX XXXX  was link to my bank account. I called the XXXX XXXX  and my bank and I soon as possible I open police report, after a month calling bank everyday they told me my case denied because I applied for to many debit card since XXXX  and I have pattern. 
I have an account with Truist bank
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, PA XXXX there should be no other information on my consumer report. 

I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across XXXX, XXXX, and Equifax, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed three times. 

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under Richardson v. Fleet Bank of Massachusetts, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile. 

I respectfully request that you : XXXX. Investigate the reported inaccuracies in the child support account. 
XXXX. Remove the inaccurate entry from my credit report. 
XXXX. Provide written confirmation once the deletion has been completed. 

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

On XX/XX/2020, United revenue Corp added a derogatory mark on my credit report for the amount of {$840.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, United Revenue Corp has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX  XXXX Balance : {$31.00}
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IN)

My paypal account was closed, I had some unauthorized transactions and filed a dispute and it was ruled in my favor, paypal said I couldn't transfer my funds until 180 days is up I waited 180 days passed and now they are giving me the runaround or just are telling me they are waiting on some department to release my funds and they are sorry they are past the time frame their policy says or they just tell me they don't know anything or what to do. Basically each representative just repeats a scripted response or tells me something different or are clueless but no one wants to help or cares. The email address on file with paypal is XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and Equifax. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services (LA)

On XX/XX/XXXX i deployed to XXXX as part of rotation serving in the XXXX XXXX I Then contacted Lendmark financial ( financial institution that i have a personal loan account open with ) and asked for the SCRA under Louisiana state provision, since Louisiana is a XXXX XXXX ( key provision ) according to state law if I am XXXX XXXX in Louisiana I should receive those benefits and my interest rate should be lowered to 6 % as well as any extra interest paid over the years on my account should be back paid to me or credited to my account to decrease the balance on my loan. 
On XX/XX/XXXX after my first request was denied I explained in detail why they were wrong and I am entitled to those benefits by law, the branch manager being as nice as possible resubmitted my request but promptly got denied a second time even with all the info and legal paperwork and military paperwork they requested, at this point I requested the issue get pushed to a higher level of management and so it was, and today on XX/XX/XXXX I finally received an update stating simply " you dont meet the requirements