davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MT)

My vehicle was claimed to be a total loss. After XXXX paid my lien holder there was an outstanding balance that Ally Financial was supposed to pay to finish the payoff of my vehicle. After Ally Financial paid their part there is still an outstanding balance of {$380.00} ( 0.05 daily interest rate ). When I called Ally Financial they told me ( XXXX ) that the way they determine the payoff is NOT BASED ON WHAT THE LIEN HOLDER SAYS but rather they calculate based on my payment history. First : My payment history shows that I didn't only pay my monthly payment but I also paid additionally towards the principle. 2nd : I had 1 deferred payment during the life of the loan and Ally Financial informed they are not responsible for that amount and I didn't dispute it so I went ahead and made a {$700.00} payment. 3rd : I  asked the lien holder ( XXXX ) if my deferred payment effects in anyway the accurate payoff and she stated " ABSOLUTELY NOT ''. I called Ally Financial on XX/XX/2020 at approximately 1330 Hours and spoke to XXXX I informed him of the situation but he stated he couldn't help me I then asked to speak to a Supervisor, he placed me on hold and when he returned he told me that the Supervisor couldn't speak to and transferred me to the Supervisor voice mail ( XXXX ). I left XXXX a message in detail explaining the situation and asked him to call me.
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (CA)

I was a loyal customer of XXXX for more than 4 years. i disconnected XXXX services on XX/XX/XXXX and transferred my services to different service provider and ported all active mobile numbers. I also talked to XXXX customer services representative ( XXXX  ) on XX/XX/XXXX and confirmed that the account has been deactivated and will be closed. She confirmed that XXXX will charge {$140.00} on XX/XX/XXXX for service period ( XX/XX/XXXX - XX/XX/XXXX ) because the billing cycle has already initiated. but in next billing cycle XXXX will reimburse me for the un-used services from XX/XX/XXXX ( service deactivation date ) to XX/XX/XXXX which is approximately {$70.00}. 

I lost XXXX online account access on XX/XX/XXXX after the services were de-activated. 

On XX/XX/XXXX, XXXX instead to reimbursing {$70.00}, charged {$64.00} on my credit card. On talking to XXXX Customer service representative i discovered that XXXX activated XXXX XXXX XXXX. this line was deactivated more than 2 years ago. I didn't requested XXXX to activate any line and this line did not have any sim card associated to it. it didn't had any call history or data history as nobody was your this number. I was assured that XXXX will deactivate the line and try to reimburse me. 
Based on that conversation and previous Customer service experience. I requested XXXX XXXX XXXXXXXX to put a hold on any new charges from XXXX and also initiated a dispute on credit card charges for {$70.00} and {$64.00}. which bank XXXX XXXX reverted back on XX/XX/XXXX. This were the exact amount that XXXX promised to reimburse. 

In order to avoid any mis-understanding and get updated status i talked to XXXX  representative ( XXXX ) on XX/XX/XXXX at XXXXXXXX XXXX. XXXX confirmed that there is no Balance due on the Account and the account is closed. 

Now, Even after multiple confirmation XXXX representatives, XXXX has sent the account to the Collection agency ( Diversified Adjustment Services, INC ). They want to charge me for un-used services, Refund charges and late fee. where as i don't Owe they anything. the account balance is {$0.00}. which was confirmed by their multiple representatives. 

XXXX  conduct is unfair, I have been their loyal customer for XXXX  year, have always made every payment on time as well as appropriately submitted request to closed the account and paid all balances. I am still being forced to suffer from unfair monetary and mental pressure. I Request CFPB to take appropriate action and help me resolve these credit issue.
Consumer complaint received 2023-07-13
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. (GA)

Hello, In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Is current. 
XXXX XXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXX XXXX XXXX XXXX XXXX Is current.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I made a purchase using my XXXX for uber one pass. The company says it doesn't qualify for terms they can not provide me XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (ME)

I attempted to get financed for XXXX  XXXX  but was denied. I thought I had a pretty fair credit score so I checked my credit reports to see what was up and I noticed on XXXX that It showed a account in collections for the amount of {$1200.00} from First Financial Resources. I then checked XXXX and it showed nothing in collections. Since it didn't properly reflect on both of my reports, I then wrote up a debt validation letter. In that letter I asked for documentation that they were the legal owner of the alleged debt or if they had been assigned the debt and were authorized to collect it, verification of amount owed, Verification that the statute of limitations on this debt has not expired, The original alleged debt document/agreement with my signature, and a couple other basic requests. I also notified them that they had 15 days from delivery to issue a response with my requested documentation/validation. I notified them that " Please note that until the requested information is provided, I will not acknowledge this debt as valid, and you are prohibited from reporting it to any credit reporting agencies. 
Additionally, please cease all communication with me or any third parties regarding this debt until you have provided the requested validation '' The letter was notarized and sent certified mail on XX/XX/24. This letter was addressed in care of XXXX XXXX the CEO of First Financial Resources. It was signed for by an agent on XX/XX/24. The day the letter was received First Financial Resources attempted to call my phone, I answered but no one responded so I attempted to call back and heard who it was through a initial automated voice message and immediately hung up because I requested all correspondence regarding this matter sent to the address provided. Other than the initial attempt to call me, there has been no further attempt to communicate with me or contact me. It is now XX/XX/24 and the collections account still is being reflected on my XXXX report.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Consumer complaint received 2023-05-15
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: BMO Bank, N.A. (IN)

Per the Indiana XXXX website the lien holder listed for my XXXX XXXX XXXX  is BMO Harris Bank. I called BMO Harriss auto loan division to request a release for the title on XX/XX/XXXX. I requested the release electronically and was told I would receive it right away. I called back on the following Monday and was given no information about the status of my request for release, just that an additional release could be submitted and that it would be 4 business days. I called back on Friday ( XXXX XXXX and was given no information again from the first representative I spoke with, just that another release could be placed and it would take 12 business day. I asked if there was anyone else I could speak with that may have more information on the request or could help me expedite things as this is a time sensitive manner. I was not given any other options on transfer, no explanation, and no further help. The only response I received was Thats just the way it is and then the representative stopped responding to me at all. It was the worst customer service I had ever received. I hung up and called back to BMO Harris is hopes I would get more help from another representative, my second representative was able to see the status of my request, that it was unable to be processed and I was given a number to call with no further information. This number led me to XXXX XXXX, after speaking with multiple representatives they could not find any account or information about me. I was told by XXXX to reach out to the FDIC and then referred here by the FDIC. As of writing this I have still received nothing from XXXX XXXX.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (TX)

My name is XXXX XXXX XXXX my son name is XXXX XXXX XXXX XXXX but his background is showing up under my name please see attachment it show I am in XXXX right now.
Consumer complaint received 2020-01-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (KY)

Chapter XXXX Bankruptcy filed XXXX XXXX This was discharged-XX/XX/XXXX, Public Info on the credit reports state to be removed XX/XX/XXXX. 
Initial Loan was thru XXXX XXXX as second mortgage, XXXX XX/XX/XXXX, last active XX/XX/XXXX. Payments were made to XXXX by the court starting XX/XX/XXXX til XXXX XX/XX/XXXX. I remember receiving a letter from the court concerning this account but dont remember the contents. Amt {$5200.00}, Int {$1000.00} paid by Court to  XXXX. Started seeing Greentree on credit reports, then it became DITECH. An XXXX credit report dated XXXX XX/XX/XXXX showed info as being DiTech and charged off XXXX XX/XX/XXXX. " Date Major Delinquency First Reported was being XX/XX/XXXX ''. I believe they manipulated the date by " backdating '', or " re-aging '' to report this account longer as then it justifies them to continue to do inquiries on my credit reports as a creditor. According to a credit report by XXXX dated XX/XX/XXXX they requested information dated XXXX XX/XX/XXXX. I received a letter from DITECH, dtd XX/XX/XXXX, " this communication is from a debt collector '' at the bottom. Today, my husband received a call from XXXX, per websites, that this is a collector from DITECH. We are both now retired, age XXXX and drawing social security. Lost home thru foreclosure. SOL is 7 years
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have had this billpay account for 10 years and this has never happened before. On XXXX XXXX I had a payment to XXXX XXXX XXXX set up to be paid and the check was sent out ( see attached ). I got an email stating I had to confirm the check was good from the fraud department, I checked the " yes '' box ( this was the second payment to this company in a month and the first payment I had to call the fraud dept and they paid that check ). Why then would they ask if this second check was good or not. I also have plenty of funds to cover that check on the 16th ( see attached account summary ). On XXXX XXXX I received a call from this vendor that the check had been sent back by XXXX as a " charge back ''. I was so embarrassed as this is a new vendor of my company. I made an inquiry and just got a generic response ( see attached ).
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (TX)

Attempted to validate account in writing twice and have not received a response, the status has not been updated as disputed on my credit report. 

First Attempt occurred on XXXX No response 2nd Attempt occurred on XXXX No response
Consumer complaint received 2020-01-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (NC)

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking 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: SANTANDER HOLDINGS USA, INC. (MA)

Iam a customer of Santander bank. On the XXXX of each month the monthly HELOC payment is drawn from my checking account. This month the amount of {$620.00} was withdrawn a week early. I called the Help number and was informed that there was a general error that effected other customers and the payment will be reversed in 7-10 days.

I asked for the correction to be posted in 24 hours and was refused I asked for interest to be paid for the time the bank has use of my money and was refused I addition, on the XXXX of this month, in 3 days, the bank will again withdraw the monthly payment
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DC)

On Saturday, XX/XX/2023, I received a message from someone called XXXX XXXX. She indicated she was interested in purchasing a sofa that I had placed on XXXX XXXX. After some discussion, I agreed to sell it to her. She asked if we could use Zelle and I said okay. She tried to send me {$100.00} via Zelle and sent me a screenshot showing this. I then received a message via text from " XXXX '' indicating that the buyer needed to send {$300.00} in order to " upgrade to a business account ''. XXXX said she could do this and sent me a screenshot showing me this. Then she sent me info " to refund her ''. So I did. Then I received a message from Zelle indicating that I needed to pay for a refundable certificate fee of {$500.00}. I have screen shots of all of these messages when/if you would like to see them- including the whole conversation with " XXXX ''. I ended up paying the {$300.00} and the {$500.00} before XXXX  and realizing I was being scammed. The names on the Zelle accounts where I sent money were XXXX XXXX and XXXX XXXX. I have reported both transactions to Zelle. I am in the process of disputing the transactions through XXXX XXXX. I plan to also file a police report.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I traded in XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX Bank of America , N.A. has stated in credit report that I am delinquent XX/XX/XXXX and XX/XX/XXXX. I called them this morning ( XX/XX/XXXX ). They stated problem has been closed and paid in full. I want my credit report to state as so.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I had a previous acct with Conns ... with my payment being due the XXXX of each month. I went into the store early XXXX to add to the account. The Salesman said the old account would be paid off and a new acct opened. He told me to not make the XX/XX/XXXX payment as my new payment for the new loan would be due XX/XX/XXXX. I took his word as i have done this before with a prior loan and everything went ok. Within the 2 weeks after i made the new purchase i rec 'd my coupon book showing my new payment and new due date. However, i started receiving emails that my payment for my old acct was delinquent. I immediately called Conns and disputed. My acct was in review to be closed out. Fast forward to today XX/XX/XXXX, Conns has reported me late and my scores have dropped 100 points ... 2 Conns accounts show open on my Credit report which has is double what i owe them and shows any new creditors that i have too much owed. I have repeatedly called Conns to have the old acct closed out. I just looked at my acct ( old ) on their website, and it shows i have 3 payments due, and it appears they might report me 60 days late. This has been very stressful for me as I am cleaning up my credit and have worked hard to pay my accounts on time..I had 100 % good payment reporting and now i have an unfair delinquency showing up onXX/XX/XXXXand XX/XX/XXXXXXXX I have disputed but i am impatient. I want to buy a new vehicle but with my now XXXX XXXX XXXX no one will touch me ... I need the old acct paid off and the delinquency reversed on my credit reports
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

I have disputed this alleged debt with Midland Credit Management. I have no recollection of this alleged debt. Therefore I refuse to pay this debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Business credit card with a {$29000.00} credit limit allowed to go to a balance of {$70000.00} as of statement date XX/XX/XXXX. I have been paying the card on time monthly. When I requested a payment plan to pay of this card in 28 months via $ 1000 monthly payments I was told there was nothing JP Morgan Chase could do since the account was current. I held back 1 scheduled monthly payment and was told again there was nothing Chase could do. After that I had my previous business accountant and attorney look through the Chase credit card statements and they uncovered the large balance overage, to the exact month where the card was allowed to go over {$40000.00} above the {$29000.00} credit limit. When I asked Chase for documentation I was sent a standard form letter stating the JP Morgan Chase sometimes allows clients to go above their credit limits. I was hospitalized at the time and that is what forced me to sell my business back on XX/XX/XXXX. I contacted Chase numerous times and was passed from supervisor to supervisor with no progress other than " we will contact you back within 2 weeks to your last physical mailing address. '' I did not sign up for or authorize an increase in credit limit and did have employees with additional cards. I am not disputing the charges. I only want to know who authorized this additional {$40000.00} limit to my account? The card documentation has always stated a {$29000.00} limit and I have never agreed to a credit line increase or another credit product to give me that additional credit line.
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (CA)

XXXX was collecting on two XXXX  XXXX XXXX debts ( account numbers XXXX and XXXX ). These items were paid in XXXX. The last payment prior to charge off with XXXX  XXXX XXXX was prior to XX/XX/XXXX. This puts this debt outside of the FCRA obsolescence time frame and they should NOT BE ON MY FILE. 

XXXX incorrectly put the date of last activity for payment at XX/XX/XXXX ... WHEN THEY RECEIVED THE COLLECTION FROM XXXX. This is incorrect. 

A company should not be able to just manipulate the activity date to maintain accounts on credit file beyond the federal requirement for obsolescence.