davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (CO)

On XX/XX/2021 I was awoken to several emails from XXXX XXXX, XXXX, Bank of XXXX, and XXXX that noted a Credit Report/Hard Pull was blocked due to there being a freeze on my account. I am in the process of refinancing my home and have been undergoing this process for greater than 120 days. I had an initial credit report pulled at the start of my refinancing and now without my permission- Hunting Bank has pulled my credit report ( s ) again. Under the Fair Credit Reporting Act I feel like I was lied too, taken advantaged of, and Huntington bank has offered no means to correct there action.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

Ordered refrigerator in XXXX From sears having received My refrigerator as yet, it's not in stock and they don't know when stock will be in.I ask sears to freeze my account until I receive item to no avail. 
Today XX/XX/21 I've been on phone from XXXX until 1 trying to resolve this I call seats they have me call city bank city bank tell me to call XXXX It's been back and forth over and over also sent me to delivery Service they sent me to solutions dept.Theu sent me back to seat.com
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Tally Technologies (GA)

Tally your reporting adverse account information to credit bureaus regarding my account with you is considered extortion. YOU ARE IN VIOLATION OF XXXX XXXX Code XXXX - Collection of extensions of credit by extortionate means. TALLY you reporting adverse account information to credit bureaus regarding my account is perceived to be a threat to force me to repay my debt and to punish me for the nonrepayment of my debt by way of the negative reporting to the credit bureaus which in terms directly negatively impacts my creditworthiness and financial reputation. The adverse account information you are reporting to credit bureaus regarding my account with you has lowered my credit score and made it impossible to obtain credit. It's essential you remove the adverse account information youre reporting to the credit bureaus regarding my account with you in relief OF 18 U.S. Code 894. FURTHERMORE, ANY VIOLATOR OF 18 U.S. Code 894 shall be fined under this title or imprisoned not more than 20 years, or both. I implore you to work with me in resolving this matter expeditiously. Thank you in advance!
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

The company did not send enough information verifying the legitimate balance of the debt. What they mailed to me showed a written-off balance of {$0.00} from the original creditor. After speaking to counsel, I decided to settle the debt vs. it remaining on my credit report while we continue to dispute it. We agreed on a settlement amount for deletion, but now the company refuses to provide a letter based on our agreement after I processed the payment. They are stating that I have to wait 30-45 days and callback before they would consider generating a letter confirming our agreement, and now I don't feel comfortable or confident that they are going to hold up to their end of the bargain.
Consumer complaint received 2020-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NY)

ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information. 

On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached. 

On XX/XX/2020, ALLY FINANCIAL received second UCC  dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received. 
Attached. 

On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL. 

On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities. 

Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me. 

Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized Flex Shopper to take monthly payments from my bank account. Flex Shopper took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. Flex Shopper refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. Flex Shopper / XXXX XXXX XXXX XXXX are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

I applied for a credit card at Best Buy when I purchased my cellphone. I got offered the card by the agent and he told me several times that it has a couple of months of interest deferment plus a 10 % reward. Due to this I applied for the card and got approved for it. When I received the card it didnt show the interest rate, or any information regarding the deferment, so I went online to look for it. The website didnt work well, neither the app. It took me a long time to find out where the interest rate was, and didnt find information about the deferment. I sent a couple of emails and never got accurate information. Today, I called the customer service department and got told I selected to get just the 10 % reward, because the offer was either or, not both ( different from what I got told at the store ). The agent just apologized for the misunderstanding and told me theres nothing I can do. After arguing for some minutes, he told me I could go to the store ( which I cant do as Im in quarantine ) or try to call to see if theres a way to contact that specific store so they could maybe do the change. I need to mention that I already used my rewards and I was not aware I was already paying interest on my purchase. This is fake advertisement and all the agents gives confusing information that makes it harder to understand. Today, when I asked about my interest rate, the agent told me 3 different rates, both of the times that I asked. I believe these are predatory practices that hurts consumers and should be prohibited
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2021-06-16
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. 

12.Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I have returned the Vehicle on XXXX XXXX 2021 and the leasing company still has not close the account. I tried to pay the bill to stay on time but they denied my payment and returned me the money. The account is now showing XXXX late payment and account still open. They received all paper work required from me and said it would only take 3 days for the account to be close. The account was suppose to be closed under XXXX Benefits and is been more than two weeks. I faxed the paper work again on XX/XX/XXXX and it was confirm by someone on the phone. For this my credit is showing a delinquency and has drop by more than XXXX points. I want the acount to be close already and for the late payment to be fixed on my credit report
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NV)

Someone has acquired a loan through US bank in which they are recieving monies and borrowing acquiring loans. Additionally attempting to acquire a XXXX XXXX credit card which I cancelled. 
XXXX XXXX XXXX XXXX is My social security #
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied the beginning of XXXX in just my name to move the automobile to my name only and title in Virginia. I sent 4 power of attorney documents and placed over 20 calls in 3 months and now Im paying almost XXXX in XXXX XXXX  when it should be XXXX and face a possible fine from the state of Virginia for not having my car registered as I cant until they fix the title.
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

I am going through a short sale of my home and I was promised a relocation assistamce amount to help me move. An investor was purchasing the property and wanted the house vacant before closing, I moved out of the property only for the investor to back out of the deal. My realtor found another investor in a week and we were under contract. 

As of today, PHH Motgage and XXXXXXXX XXXX have disagreed to give me the relocation assitance because the home is vacant ( at no fault of my own ). 

My realtor and I have spoken with countless representatives at PHH mortgage and have not been able to rectify this situation. 

I am XXXX XXXXXXXX XXXX and this bank ( who used to ne Ocwen ) illegally foreclosed on my home back in XXXX  and had to recind the foreclosure after I caught the illegal activity done by the bank. 
I can go on an on about what this bank has done to me. The sole purpose of this complaint is to make consumers aware of this " so called '' investor XXXXXXXX XXXX and PHH mortgage.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax! Dumbest collection of incompetent clowns in the known universe! 

After they were hacked in 2017, losing a mere 147,000,000 credit reports ( including mine ), I placed a freeze on my account ( which is another tale of stupidity and incompetence ). 

I am trying to lift that freeze for a week so a lender can offer me a very good zero percent credit card. They only pull credit through Equifax. 

I called Equifax to lift the freeze and was told the computer didn't recognize me so go away. After some time, I was able to contact a person (! ) who told me to send a copy of my Social Security Card ( which hasn't seen the light of day in probably 65 years ), a utility bill showing my address, and a copy of my driver 's license. 

My driver 's license is a Federal Secure ID document which incorporates anti-photocopying technology - it came out a black blob. I was however able to scan it and print a legible copy. 

I mailed the requested papers to Equifax and have heard absolutely nothing in several weeks. The bank has checked the credit several times and comes back with " sorry, still locked ''. It is IMPOSSIBLE to talk to anyone at Equifax, there is NO way to figure out what the computer didn't like about me, there are NO error correction protocols, and they have been absolutely silent, with no communication whatsoever, and they have my name, physical address, PO Box , e-mail, phone number, lists of all my creditors past and present, and everything else imaginable. 

If I was a hacker, I'd probably be into their system in fifteen seconds, however, since I am a mere lowly consumer, I am not worth five seconds of their time to tell me how to prove who I am to them and lift the freeze for a few days. I have their super-secret special code number, but I can't convince their almighty computer to take it. 

All their phone numbers go to auto-attendants, it is impossible to speak with a person, and if the computer doesn't like one of your answers ( and it won't tell you which one ), you are basically out of luck, game over, get lost, go away and don't bother us again.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (GA)

My co-payment at XXXX XXXX was {$50.00}. The collection company Americollect company keep posting the same {$50.00} repeatedly on my credit and my score keeps dropping. The same charge is on my credit 3 times. This is the same charge.
Consumer complaint received 2020-03-29
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: Midwest Recovery Systems (CA)

I have no idea who these people are or how this got on my credit report. I'm 100 % sure this is not mine. 

Account Name : MIDWEST RECOVERY SYSTEMS Account Number:XXXX Date Opened:XX/XX/XXXX Collection account. {$310.00} past due. 
Status Updated : XX/XX/XXXX Balance : {$310.00} Your Statement : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Historical Information XXXX - Original Creditor Contact Info - XXXX
Consumer complaint received 2020-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I am having major issues with Navient misallocating my payments. 
Here is what I sent to Navient customer service on XX/XX/XXXX : Hello, Whenever I got to make a payment, how come it only lets me pay the interest? I noticed that my payment on XX/XX/XXXX, {$260.00} when to capital and {$84.00} went to interest. On XXXX, the entire payment went toward interest. Then, on my last payment, I wanted to make sure I was paying mostly on capital, but only {$36.00} went toward capital and the rest went toward interest. Why is this? Is there not an option to just apply the payment toward capital? 
Thank you! 
-XXXX  XXXX I never received a response.In the meantime, I have continued making payments. In XXXX, I applied for the income-based repayment plan because I had no choice ( I work for a nonprofit making $ XXXX/yr ). This is when I noticed that my payments began applying to interest instead of the unpaid capital. Apparently, the lower your payments ( with the income-based repayment plan ), the less you are allowed to pay toward unpaid principal. I was not provided with this information while applying. In fact, I wasn't provided with any. How is this even legal? I have made seven payments since I have had to start repaying my loans, most of which were double payments, and my debt has only increased. I understand how interest works, however, if you do the math, I will never be able to pay it off unless I pay in full. At this point, I am willing to co-sign and pay hundreds each month by refinancing if it means getting away from Navient. They have systematically trapped me into a mountain of debt.
Consumer complaint received 2024-01-01
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. (WI)

In accordance with the fair credit reporting act these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-31
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. (MI)

In accordance with the Fair Credit Reporting act., the account below as well as the reporting agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account XXXX XXXX. In regards to the account mentioned, in attempt to remove the negative and falsely reported information, I have received a letter stating the company has verified an account which was not requested nor has the account in any way been actually verified. As I stated before, 15 U.S.C 1681 section 602 A. States I have the right to privacy, which the company and reporting agency clearly violated. Also, 15 USC 1681b states that you MAY furnish a report in accordance with the written constructions of the consumer, which I HAVE NOT given you as you have violated my rights.15 U.S.C 1681c section ( a ) ( 5 ) 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. Numerous laws have been violated regarding this account and I want it removed from my consumer report immediately. I am aware of my rights as a consumer, if my demands aren't met I am prepared to escalate the matter to court regarding both companies for remedy. This account has brought defamation of character, stress and hardship upon my life. I am unable to move forward in business because of false and negative information on my account. XXXX has removed the account XXXX XXXX XXXX due to false and negative information being reported, also the account being reported without my consent. I have all exhibits to show that XXXX has complied and provided remedy to show in court. I want it removed immediately.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CA)

I have called Equifax to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan.