davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

Ally bank only allows payment via their app, their webpage, or by phone. If you make a payment by phone, they charge an additional fee for the payment. 

I attempted to create an online account at their website to pay my first payment. The website did not recognize my password, and locked me out. I called customer service to unlock the account. They issued me a " temporary password '', but while I was on the phone with them, I used the temporary password, and it did not work. They informed me that their password portal is not working at this time and they are unable to give a timeframe when it will be working. 

They then told me the only method to pay my account was by phone, via a third party, and that I would be charged an additional fee to make my payment. They told me if I called them back after the payment was processed, they would credit this fee back to my account. 

How on earth is this legal? They offer limited options to pay the account, then when those options don't work, they force you to use a system that charges extra fees. If you don't want to do it their way, they will give you a negative report on your credit rating.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

There is a mortgage being reported from 2005 on my credit from multiple lending companies. XXXX is from XXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Savings account
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: CITIBANK, N.A. (IL)

I opened two accounts with Citi Bank at the branch in XXXX XXXX, Illinois on XX/XX/XXXX in connection with a promotional offer from the bank. I deposited {$13000.00} in a Savings account and {$1500.00} in a Checking account. A personal banker ( I do not remember her name ) was assisting me to set up the account and XXXX XXXX ( Citi Gold Relationship Manager ) was overseeing the accounts at that time. In XX/XX/XXXX, after consulting with the same personal banker with whom I opened the account, I withdrew {$13000.00} from the Savings account. I was told that she would change the status of my checking account to avoid any monthly fees, and I only needed to keep a minimum balance of {$1500.00} in the account. I kept {$2000.00} in the account to avoid any monthly fees, which was more than the amount that was required. 

In XXXX XXXX I went back to the same branch for some new business transactions, and I found out that my account has only a balance of {$1100.00}. The bank had been charging bank fees of {$25.00} per month for the last three years. I was really shocked that the bank put my account to an inactive status and kept charging the fees. I was never received any notifications or communications by any method regarding this account, while bank continued to charge this exorbitant monthly fee for over three years. 

This is absolutely a bank error and the personal banker never changed the status of my account to avoid the fees as she promised. I am a victim of someones error, and I was robbed over {$1000.00} from my account. For your reference, Im attaching copies of the bank statements for XX/XX/XXXX and XXXX XXXX which was provided by the current local branch manager, XXXX XXXX. XXXX was able to refund {$200.00} of the fees ( because this was the highest amount within her authority level ), and I was told to contact the Retail Bank Executive Response Team for further assistance. Im requesting a refund of the remaining bank fees of approximately {$750.00} to my account. 

I contacted the bank and I was told they sent me two letters regarding the inactivity status of the bank account. I don't remember getting any of them and I normally get so many avertisement for credit card offer and I can't recollect any of their warning letters. I am not sure why the bank put my account in to an " inactivity '' status esspecially during the covid season and was charging {$25.00} every month for that reason. 
please help me to recoup the {$700.00} I lost for bank charges ; it makes no sense.
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PRIMARY RESIDENTIAL MORTGAGE (NJ)

On XX/XX/23, my husband and I went into contract and applied for a XXXX mortgage with XXXX XXXX loan officer XXXX XXXX. He requested all document from me which was sent within days. For two weeks, I did not hear from him. I would email him and no response. On XX/XX/2023 after the missed closing date, I emailed him about the negligence practices of the company on handling my application which I cc the corporate headquarters. The same day he reached out stating they were starting another application. I again submitted everything for me and my husband with quotes, income, tax returns and IDs along with a letter stating I am a 100 % XXXX veteran. As of today, the company has ran my credit four times in the timeframe which dropped by credit score by XXXX points. They are now telling me that its still in process and can not give me a closing date. I feel as though they are trying to drop me as a client due to their negligence. I need help. I just experienced the same thing in XXXX with XXXX XXXX XXXX with the loan officer committed fraud with my application and I lost my house because of the timing of notification within 6 days of me closing on another home. Now, we are living in a house with no air and was not ready for tenants to move in but we had no where to go. These mortgages companies do not care about the clients and continue to give us excuses for their inability to do business. Everyone should be accountable for their actions and mistakes.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (CA)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX # 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 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.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My identity was stolen and unauthorized accounts were opened with XXXX and they will not remove it from my consumer report knowing it was unauthorized which is a violation of FCRA. There are also hard inquiries from XXXX XXXX and Bank of America from Adverse Actions that should be excluded in Accordance with FCRA
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023 a car I rented was stolen out the hotel parking lot. I contacted XXXX XXXX police and they recovered the car. XXXX XXXX XXXX was the company name that charged me by mistake instead of the liable party. Furthermore the police didnt release the name of the individual who committed the theft. I filed a complaint with the claims department and received what they called a provisional credit then Wells Fargo reversed the credit claiming a lack of information. I then got i touch with another representative with Wells Fargo after sending the requested information. The representative then informed me that the credit had been returned and the claim had been resolved. On XX/XX/2023 Wells Fargo then fraudulently removed {$1200.00} from my account saying the initial claim was under review. I then requested a call review regarding the representative who had replaced the money in my account and informed me the claim was resolved. I have continued to request this information and every time I do a representative tells me no such review has been requested. Im filing a complaint against Wells Fargo for dishonesty and incompetence.
Consumer complaint received 2024-05-01
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. (GA)

Consumer Complaint Regarding TransUnion Consumer Reporting LLC Investigation - Report Number XXXX I am writing to file a formal complaint regarding the investigation conducted by TransUnion Consumer Reporting LLC, pertaining to dispute report number XXXX, concerning the tradeline from XXXXXXXX XXXX XXXX 

On XXXX XXXX, I received the results of the investigation conducted by TransUnion Consumer Reporting LLC regarding the accuracy of information contained within my credit report. The investigation was in response to my dispute regarding the accuracy of the balance reported on the tradeline from XXXX XXXX XXXX, account number XXXX, with a reported balance of {$1200.00} Upon review of the investigation results, it has come to my attention that the balance being reported to the consumer report is not accurate and does not align with the true balance owed on the tradeline. Attached herewith is the monthly statement between XXXX XXXX XXXX and myself, which clearly indicates a different and accurate balance owed. 

It is imperative that the information reported by TransUnion Consumer Reporting LLC accurately reflects my financial obligations. The inaccuracies in reporting have the potential to adversely affect my creditworthiness and financial standing, which is a direct violation of my federal consumer rights under the Privacy Act of 1974, 15 USC 1681b Permissible Purpose, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I kindly request that the reported balance on the tradeline from XXXX XXXX XXXX, account number XXXX, be accurately corrected to reflect the true balance owed as per the attached documentation. Failure to do so will leave me no choice but to pursue legal action to rectify this matter and to ensure my rights are protected. 

Enclosed is my XXXXXXXX XXXX XXXX statement and TRANSUNION INVESTIGATION REPORT RESULTS. PLEASE REFER TO XXXX
Consumer complaint received 2024-05-01
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. (CT)

I recently checked my credit report and I see some incorrect information on my credit report that is affecting my ability to obtain credit at the moment, as a result, I want ask you to investigate this account please? 
account- XXXX XXXX account number- XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

From the first week we attained our loan from Credit Acceptance and drove our Vehicle off of XXXX XXXX XXXX XXXXXXXX Lot we have had continual issues with the vehicle, we were denied use of the additional services we paid {$2500.00} cash for, the warranty was fraudulently sold and unusable due to the state of the vehicle and the parts on it at the time of purchase. We are being charged XXXX in interest for a XXXX loan? We were not shown many of the deceptive things that are in our paperwork. XXXX XXXXXXXX XXXX  the sales women at XXXX XXXX XXXX was deceptive from telling use the car warranty was included in our loan and that the change in the cars price was due to a higher interest rate. My husband nor myself had jobs upon purchasing the vehicle. We contacted the bank telling them that we could not find anyone to take the warranty and if they could help. They said unfortunately no. The warranty company could not supply a list not could the dealership. The dear ship. We finally found a shop and the car sat for 7 months. XXXX XXXX approved the car repairs but we had to wait for them to inspect our truck. They never came repeated calls from the mechanic. We called the bank- they refused to file a complaint told me that if I had a lawyer they could speak with she would file a complaint. no lawyer no supervisor, no escalation. no complaints. XXXX XXXX XXXX refuses to return phone calls and XXXX XXXX denies repairs that care covered under our warranty. The three companies are working together to defraud Americans. They have completely destroyed my families finances. It took us 6 months to find someone to give us a loan after our transmission blew. I was XXXX with XXXX kids. My husband and I had no car and signed a loan with credit acceptance to purchase a vehicle from XXXX XXXX XXXX  with a warranty and a 22 percent interest rate. How is it XXXX for XXXX loan I gave them XXXX cash upfront? I cant leave my house and my trucks been in the shop waiting for someone to pay for repairs for 15 months. the truck is still there in pieces as XXXX XXXX told the mechanic to dissemble my truck. the three companies are working together to deceive buyers. WE bought a XXXX vehicle, paid XXXX cash and ended up with a XXXX loan from credit acceptance. For a truck that was inoperable after 3 months of ownership.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-01
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. (IN)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2024-02-07
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: Westlake Services, LLC (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2024-05-01
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. XXXX, Equifax, and XXXX fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. XXXX, Equifax, XXXX, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. XXXX, Equifax, and XXXX are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. XXXX, Equifax, and XXXX are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: The Aligned Company DBA Extra (TX)

i had made a dispute about numerous transactions from XXXX. i disputed because either didnt receive refund for merchandise or i was unable to return defective items due to XXXX closing my account. i had then preceded as requested by EXTRA to provide specific evidence about the transactions and they then given me credit for the transactions. They then denied my claim saying that i didnt provide necessary evidence. which is incorrect because i provided all pieces of info asked of me and also if there was more info that was needed that should have been stated sooner and to not close the claim before talking to me about it. Now they are saying that the claim is denied and that i cant open it back up since its closed already and they are repeatedly trying to recharge me for the amount. they are also threatening to report this to the credit bureaus
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (FL)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

When I sent you a copy of the FTC report, it became clear that you are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. I will turn over my records to my attorney so that a legal process can start if you choose not to stop the following items listed below from answering incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 
XXXX XXXXXXXX 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.