davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CA)

My car was repossessed on XX/XX/2020 by Ally Financial. To date, I have no information as to whether my car has been sold, if there is a deficiency, or how much that deficiency may be. If it has not been sold, I do not know the location of my car, or what Ally intends to do with my car. 

Ally committed various violations of the UCC. Ally employed the services of an attorney to approach me regarding resolution. Each time I have presented an attempt at resolution, Ally has declined. 

It has now been 7 months since my car was repossessed, and I have yet to receive an itemized list of charges associated with the repossession. I do not know the location of my car, what would need to be paid in order to retrieve my car, and what their plans are for my car. If it has been sold, I have received no information regarding sale. 

I recently noted that Ally has posted additional charges reflected on XXXX XXXX. However, I have received no notices of this newly accrued debt from Ally. I tried to log into my online Ally account to download my statement, but my online account is no longer accessible. 

I have made calls to try and get more information regarding my car. Each time I call, I am transferred to an executive dept where I have left a voicemail. My calls have not been returned, and at this point, I feel as though I have no way of obtaining information I am entitled to receive, per CA State Consumer Law. 

In addition, my car may have depreciated a great deal in the seven months since my car was illegally repossessed. In addition to devaluation over time, am uncertain as to where my car has been stored. If outdoors, I am not sure what elements it may have been exposed to, and as a result, the possible wear and tear on my vehicles appearance. If it has been exposed to a harsh environment, my car would then obviously decrease in value. This, in turn, would create an unfair disparity in value. I am concerned that the overall state of my car may have lost value due to location, in addition to the seven months my car has been held by Ally Financial. This potential loss in value has been out of my control entirely, yet I am still on the hook for the entire loan, regardless of decrease in value. 

This statement only represents a portion of what has taken place, and only represents a portion of how Ally has mishandled this situation. 

I would appreciate any help or guidance with this situation, as Ally Financial has at this point disengaged from communications. 

Thanks in Advance for your help with this matter.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due
Consumer complaint received 2021-04-22
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: WAKEFIELD & ASSOCIATES, INC. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.
Consumer complaint received 2021-04-21
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. (WI)

In XXXX, I downloaded a copy of my credit report from all three Credit Bureaus. I noticed an account XXXX XXXX XXXX was reporting erroneously. On all three reports, the account was showing derogatory status despite the account being satisfied in fill. I disputed this account with all three bureaus. I also emailed XXXX XXXX XXXX, since every letter sent was returned. To date, XX/XX/XXXX, XXXX XXXX XXXX has refused to delete the account even though the account has been satisfied in full. XXXX XXXX XXXX told me they are not required to remove closed accounts, even though there are errors. XXXX  and XXXX  complied and removed the account. Transunion has refused to remove the account and has not provided information to prove they validated the erroneous account.
Consumer complaint received 2023-02-20
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. (WI)

XXXX XXXX Account illegally being furnished on my credit report. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to belonging to me. 

I, XXXX XXXX, on XX/XX/2023 filled a complaint with the Wisconsin Department of Financial Institutions ( DFI ), against XXXX XXXX ( XXXX ) and requested verification and validation of an account being furnished to my credit report. 

On XX/XX/2023 I received a email from a Consumer Credit Examiner, who was assigned to me through ( DFI ), to examine my complaint that in response to my complaint, XXXX ( XXXX XXXX ) in a letter sent in PDF form, stated that they were unable to locate any account in my name. No record was found for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Clear violation of federal law, by being reported on my credit report, with no validation of this account be true, accurate and verified.
Consumer complaint received 2021-04-22
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: Southwest Credit Systems, L.P. (CA)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA. A bill without a signature does not imply that the debt is valid, and anyone may submit a bill and claim ownership. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly a violation of the law to placed it for a collection with profit loss write off.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV INC. (AK)

I have an EIP card sent to me its a VISA Debit card Money Network. The card is issued by XXXX, XXXX, Member FDIC pursuant to a license from VISA U.S.A., Inc. I called their customer service number at XXXX and asked them to list my pending transactions and they insisted I give them my social security number to further get into my details so I did give them my social security number and soon after I gave the customer service guy my social security number he hung up on me! And then I called back a second time to let costumer service know what happened a lady answered this time and she insisted I give her my social security number so I hung up not knowing if this is allowed or not. I am worried the customer service man I have my social security number to might fraud me and I was hoping you can rest my mind on this situation.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In the month of XXXX I made the deposit of two checks, one check was from XX/XX/XXXX for the amount of XXXX dollars and the other check was from XX/XX/XXXX also for XXXX dollars, as the two checks are in my name and are for the same amount of money, that caused the system to reject them, since the system assumed them as duplicates, so I made several phone calls to Fifth Third Bank, then I had an appointment with a very nice and competent representative, who explained to me all the procedure to follow after speaking with the corresponding department, and she told me that the money would be in my account within a maximum of 3 days, but that was on XX/XX/XXXX, that representative has called me to see if it is already resolved and so far these funds have not been deposited in my account.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021, I received an offer from Chase bank for a cash advance without interest. The advertising does not explicitly state that Chase will charge percentage fees. After I wrote the check to myself, chase charged me a {$180.00} fee. I called chase and offered to return the money. But they have refused to refund the {$180.00} fee.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (CA)

There are two accounts on my credit report one is on my XXXX one is on my equifax I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXXAmt {$410.00} No Account Name - Acct # XXXXAmt {$570.00}
Consumer complaint received 2023-02-21
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. (CA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX CARD XXXX Balance : {$4000.00}
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. 

But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX Brazilian reals. I contacted Western Union 's customer service to have this rectified, but was only told 1 ) transfer rates are subject to fluctuation and/or 2 ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually LOOK into the transaction and actually SEE what was indeed deposited. 

The deficient amount was XXXX XXXX reals, which is approximately over 6 % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. 

My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. This was Western Union incident number XXXX.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

It all started XX/XX/XXXX XXXX pm when i received a message from Chime bank saying that my account information had been updated to a diff email and phone number that i had no idea and was signed out of my account. I call Chime immediately to report the issue. Spoke with rep name XXXX told me that i needed to send a copy of my ID and last four of my SSN and correct email ( XXXX ) hacker changed it to XXXX so every time i call they have trouble finding my account until they pull ticket numbers # XXXX is one of them, XXXX told me to try signing into my account within 24 hours, next day came could not access my account called back and was told the account had been closed and will not reopen, asked for a supervisor XXXX # XXXX told me to submit a police report and wait about 48 hours for them to investigate my account, days passed here we are 2 weeks later im still being told that there is nothing they can do and that i will not receive funds. XX/XX/XXXX i received my federal income tax into the Chime account in the amount of {$6100.00} total amount in account with my job funding is {$7400.00} they have never emailed me with and update and every time i call they say i will receive email within 24 hours..
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-20
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. (MO)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-20
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. (MD)

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX has violated my rights by having Bankruptcy XXXX XXXX reference # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo offered me a forebearance at the beginning of the Covid shut down. I took it being my two jobs are in personal care and food/bar service which were hit the worst. I was told the deferred amount would be added to the back of the loan. After the 6 mo fbrn, a Wells Fargo representative contacted me and asked if i needed an extension. I accepted it, as my personal business was still covid closed, and the restaurant i work for was also closed. I was then contacted again by a Wells Fargo representative ( Wells Fargo came up as the caller ID on my phone ) and i was offered yet another 3 month forebearance extension. I took it still not knowing my financial situation. I will give you the XXXX Note version of what happened next. Apparently my loan is held by a private lender who only was offering an 6 month forebearance. So, that put me default, unbeknownst to me. How were the Wells Fargo employees not educated on what loans were or were not available for an extension? Why did they call ME, not the other way around when my lender was not offering a forebearance more than 6 months??? I now have to try for a loan modification. I was denied the first time, i appealed believing they didnt have my financials correct as i am largely cash based business. They denied my appeal and are offering me a short sale. I am in this predicament, SOLEY, because a Wells Fargo representative offered me an extension, TWICE, that was not actually available to me. If i had known the forebearance had ended, i would have scraped by and figured out a way to keep my mortgage current until i could open my business back up. Now they are denying me the opportunity to pay my mortgage WHICH I CAN AFFORD NOW AND PAY. I just can not come up with the {$43000.00} they want to make the loan current. I am back in business and i want to keep my house and pay my monthly payment. I love my home. What Wells Fargo has done and is doing to me is just not fair. I am probably not the only one and i hope some of the powers at be can step in and right this wrong for the hard working people just trying to make a living and pay their house payment. Thank you for taking the time to read my plight.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal received a non legal document from the NYS child support corporation stating that I have a judgement against me. I have written the NYS corporate and asked for proof of this debt or undertaking or signed judgment from an administrator. They have failed to provide me with that proof. I called the NYS corporation and asked is there a debt owed to the state of New York and they said no, that I dont owe the state any money for child support in fact I dont have a child that lives in that state of New York. I have asked Navy Federal to please send me a warrant or a signed judgment from a competent court house or administrator or judge to prove there is a debt. The document they received has no state seal or judges signature to seize my assets. Federal law is clear on the facts about child support. Navy Federal has closed my account and has taken my money, based on nothing but a piece of paper thats not a legal document.
Consumer complaint received 2021-04-21
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. (MD)

After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX Transunion, and XXXX but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

On XX/XX/2021 I requested to close my account with Chime Bank and receive the balance of my account ( over {$1000.00} ). As of today ( XX/XX/2021 ) I still do not have the check that Chime indicated would be sent to me after the closing of my account. I have contacted them an exhaustive number of times and each time I am told that my issue will be sent to the escalation department who each time tell me the delays are due to COVID and they will reprint the check and expedite shipping. Yet here I am. With no " reprinted '' or " expedited '' check. It does not appear as though I will be able to get out of this circle of contacting them, being told it will be escalated and expedited, only to sit here without money that belongs to me and has caused a negative financial impact on me and my family.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (OH)

Consumer Financial Protection Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ohio XXXX RE : ADVERSE EQUIFAX REPORTING / NO RESPONSE To Whom It May Concern ; Please find the following issues/complaints regarding Equifax Credit. After multiple attempts to contact Equifax with loss of time and resources to modify records still they are not responsible? 

Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception. 
Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX A # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX EQUIFAX Online Delivery Unavailable