davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note. 
Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ). 
XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ). 
XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria. 
Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process.

12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge.

13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history. 
XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I used my PayPal debit card to purchase a rental vehicle after a wreck in which I was not at fault for, XXXX admitted fault 2 days after I paid the rental fees out of pocket. XXXX never refunded the full amount due after being paid from XXXX ( the at fault insurer ) and I submitted a claim to PayPal. PayPal has repeatedly not appealed the case, given me rude remarks, and refused outright to help me in a blatant case of theft although I have submitted proof. They keep telling me they will appeal the case and will contact via email but never do. This has been ongoing for months and every time I call they give me the same conversation like I never called them before. They have received the documents but have done nothing on their end to protect my account from unauthorized charges or blatant theft.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WV)

Have had an XXXX XXXX XXXX XXXX XXXX XXXX for over 10 years. Always received paper statements. Never had a late payment or problem in all of these years. XXXX suggested that I convert to paperless statements in XXXX XXXX. They said I would get an e-mail when statement was ready. For whatever reason, I never received an e-mail or paper statement for XXXX XXXX. Had a balance of only {$17.00} and payment was due on XXXX XXXX, XXXX. Got a late notice e-mail on XXXX XXXX, XXXX saying past due and charged me a late fee of {$18.00}. Called to try to resolve with XXXX and they basically said too bad. Would not remove the late fee even though it was more than my balance. I told them that if I had to, I would pay the late fee and cancel the card. They did n't much care. They just wanted that late fee. I do not know if this a deliberate attempt to get extra fees from the consumer or just bad business practice. Either way it is not fair to the consumer.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (WI)

I opened an account with SoFi on or around XX/XX/2024, in order to receive the deposit account bonus of {$300.00} being advertised. I met all of the requirements in order to receive the bonus, but SoFi refused to make the bonus payment to my account. This is in direct violation of the terms and conditions and is a clear UDAAP violation. 

Additionally, I received incredibly poor customer service and assistance while attempting to work with SoFi directly to resolve my concern.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc. (TX)

In XX/XX/XXXX, I sought a loan modification from my lender to address XXXX months of delinquency, aiming to rectify the situation and regain financial stability. After negotiations, we seemingly reached an agreement : the overdue amount would be tacked onto the end of my loan, enabling a fresh start. 

However, the following month, shockingly, my total loan balance ballooned to $ XXXXmore than double the remaining balance. Perplexed, I scrutinized the remodification document, anticipating a simple error. To my dismay, it cited an outstanding balance of {$98000.00}, significantly diverging from the actual remaining balance of {$46000.00} relayed during our discussions. 

Initially chalking it up to a misunderstanding, I expected a swift correction. Yet, to my dismay, subsequent mortgage statements mirrored the inflated amount, leaving me dumbfounded. This egregious discrepancy defied reason, as no rational individual would knowingly consent to doubling a mortgage, especially nearing its completion. 

Residing in my home since XXXX, diligently paying the loan over the years, the sudden surge in indebtedness to near the original purchase price bewildered me. Seeking clarity, my attempts to engage with customer support yielded frustrating responsesacknowledgment of the anomaly, yet a disheartening admission of powerlessness to rectify it. 

Reviewing my documentation, the XX/XX/XXXX statement of {$46000.00} reflected the previously agreed-upon balance of, starkly contrasting with the exorbitant sum abruptly thrust upon me in XXXX of {$98000.00}. This stark contrast highlights the predatory nature of the lending practices employed, leaving me feeling exploited and disenfranchised. 

In essence, this situation epitomizes predatory lending, where borrowers are exploited through deceptive practices, jeopardizing their financial well-being and undermining the trust essential in financial transactions. 





I have lived in my home since XXXX and have been paying off of the house since then. This {$98.00}, XXXX takes the home nearly back to the price for which I originally bought the house. I have no idea how they could do this and when I call to speak with support, I'm told by the employees that it doesn't make sense to them either but " there's nothing they can do ''. The documentation that I do have has the statement in XXXX with a XXXX balance and then in XXXX it becomes XXXX for which I am trying to dispute because that is nearly the price of the original mortgage and I would essentially almost pay for the home twice. These are clearly predatory mortgage lending practices, and I feel that I have been taken advantage.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2023-01-09
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: Bread Financial Holdings, Inc. (RI)

So I discovered about this Comenity BankXXXX Credit Card which was charged due to missing payments on my XXXX XXXX. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have XXXX active credit cards which are on my report and in good standing. This charge needs to be taken off from my XXXX XXXX as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on XXXX to which I can call to. I have already filed dispute with XXXX  which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my XXXX XXXX.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, TransUnion, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, TransUnion, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

Im actually sitting in the bank and theyve even held a short meeting in the back to poorly lie and explain why they keep taking overdraft fees for no reason. They cant explain how my deposits dont cover my debits. Theyre on the phone now trying to figure out a way to explain why my deposit wasnt counted. Now theyre saying they dont know what times deposits and debits hit the bank. This has caused a snowball effect, driving my account more and more into a negative status. This is not the first time theyve done this. I let them know that I am in contact with you guys and all of a sudden, they can reverse the fees. Well see how this plays out and Ill file another complaint if theyre still trying to run this scam.
Consumer complaint received 2023-01-10
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. (TX)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 the wrong person.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent out letters to Transunion, XXXX and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (TX)

THIS IS MY 2ND/3RD ATTEMPT - PREVIOUS COMPLAINT # XXXX I don't know what this debt is for -- - TWO DEBTS ARE LISTED ON MY CREDIT REPORT FOR THE FOLLOWING AMOUNTS : 1. ) {$790.00} 2. ) {$180.00} 1. ) XXXX XXXX nor XXXX XXXX XXXX XXXX explain what these debts are for. it is noted is was reported on XX/XX/2016 NOT ENOUGH INFORMATION HAS BEEN REVEALED FOR THIS DEBT. 

I want this debt removed from all 3 credit agencies immediately. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2020-12-22
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: AmerAssist A/R Solutions, Inc. (PA)

this account AmerAssist XX/XX/2020 is not my account i disputed it several times and this account still appears on my credit report. This account is a fraudulent account.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the victim of identify theft and have tried to resolve this previously but Transunion is still in violation and using excuses such as proof of address ( attached to this complaint ) to delay the removal of unverified account : XXXX XXXX with no balance shown and needs to be deleted. limit {$5000.00} with no balance shown. 

No FCRA verification sent, FTC letter ignored. I'd like compensation for this violation for no less than {$1000.00}. 

My ID and SOCIAL with address and FTC report is attached as to not have them answer with any cause to delay this. 

Proof of address they asked and here it is again attached.
Consumer complaint received 2024-03-18
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)

This company XXXXXXXX XXXX ' has been falsely reporting incorrect, false information on my credit reports for five years. I was an identity theft victim. This company was notified several times, they were informed about the unauthorized opened account. They closed the card, however closed the account as a charge off on my credit report. They were supposed to close the card and remove, they instead closed the account as a charge off unpaid as if they didn't know this was due to fraud, they have also sent a 1099 with no investigation. XXXXXXXX XXXX is falsely reporting errors on my report!!! 
I have sent them the required and relevant correspondence. They have received the police reports, the dispute forms, my identification, my disputes from the 3 bureaus of XXXX, XXXX, Equifax also notified them. The NY attorney General notified them, the CFPB has notified them, they are not investigating legally, they are continuing to report inaccuracies on my file. They are in violation of the F.C.R.A. 
XXXXXXXX XXXX XXXXS ILLEGALLY REPORTING FALSE, INACCURATE INFORMATION OM MY PERSONAL CREDIT FILE. THEY WERE TO REMOVE AND DELETE THE ITEMSS ONCE THEY WERE NOTIFIED ABOUT THE FRAUDULENTLY OPENED ACCOUNT THAT WAS UNAUTHORIZED, THEY SAID THEY WILL CLOSE AND REMOVE THE ACCOUNT DUE TO FRAUD, EACH TIME THIS IS DISPUTED THEY PUT IT BACK. XXXXXXXX XXXX HAS NO INVESTIGATION PROCESS IN WHICH I AM LIABLE FOR THIS ACCOUNT. THIS HAS TO BE REMOVED FROM MY REPORT THEY ALSO WERE REPORTING TO AN ADDRESS I WASNT ASSOCIATED WITH, ONCE I GAVE THEM MY ADDRESS ( FOR PURPOSES OF THEM MAILING ME DOCUMENTS REGARDING THE DISPUTE, THEY CHOSE TO REPORT MY CURRENT ADDRESS ILLEGALLY, THEY HAVE NO ACCOUNT OPENED AT MY ADDRESS OR PERSONAL INFORMATION IN XXXX  AT THE TIME OF THE FRAUD. NOTHING MATCHED BACKED TO ME IN THEIR INVESTIGATION.
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (UT)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, 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. (VA)

There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from  XXXX XXXX XXXX XXXX????? I never authorized this company to pull my report.