davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (DE)

Never got a 1099 C debt cancelation form from Ally Financial, ask for the involuntary repossession to be removed from my credit reports, XXXX XXXX, XXXX, XXXX. In stead the remark was changed to Customer disagrees on my credit reports. I spoke to Ally advise that due to covid 19 I was unable to make payments on the car, never received 1099 C debt cancelation form after they sold the car, and got paid for it. Asking that this be removed of my report.
Consumer complaint received 2023-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (NC)

Due to XXXX  and reckless misinformation on the Discover XXXX XXXX website, I dont know whether my automatic payment has in fact been cancelled or not. I also dont know whether my one off payment has in fact been processed correctly. The website says to call in but their call center is not answering.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I have reported this information to the credit bureaus already, as well as to the FTC but they have never answered me at all. The information in the reports attached to this complaint are fraudulent and were not opened by me, as the consumer. Please assist me in this important matter.
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the Fair Credit Reporting Act, XXXX 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 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I opened an account with XXXX XXXX XXXX. 
The account was charged off, and a company called Portfolio Recovery Associates claims to have purchased the debt. 
I subsequently paid back XXXX XXXX XXXX  Directly for this debt. I have attached the proofs of payment. 
Portfolio Recover refuses to remove the tradeline from my credit report or update it as paid to XXXX   XXXX in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I opened this business account to buy a franchise. I was told my funds would be available XXXX and uninstructed the franchisor as such. Every day I hear a different answer from Chase bank and we are now three weeks beyond when they drafted funds from the source account XX/XX/XXXX. This is gravely affecting my professional reputation. 

XX/XX/XXXX Checks from XXXX XXXX deposited for {$120000.00} - rep said avail XXXX - next day funds show in account but on hold XXXX Funds show cleared ( hold icon gone ) XXXX XXXX Went into local Chase branch to send wire per rep account restricted ( but funds clear ) XXXX Called fraud line to clear up Rep said " maker '' of check didn't respond to calls. I contacted XXXX XXXX and instructed that Chase would call to verify. Rep called and confirmed and said it would be cleared in 2-4 hours and that he'd call back at XXXX - never called XXXX I called Chase no record of earlier call rep called XXXX XXXX again to verify validity of check - updated file and we got disconnected XXXX I called Chase back to confirm previous rep notated acct current rep told me everything is in place and it would take up to 2 business days to clear XX/XX/XXXX XXXX Second business day money not in. Called and spoke with a woman who suggested I physically visit a branch and open a new acct as this account appears closed and it would likely be faster to open another and get funds in though it will take 3-4 days for funds to clear XXXX Visited Chase in XXXX XXXX Business specialist [ XXXX XXXX ] spoke with someone who also suggested we open a new account and it would be corrected in 1-2 days. 
XX/XX/XXXX XXXX Emailed XXXX at Chase explaining funds were still not available XXXX XXXX called and said they reopened the old account ( now I have two business accts ) and it would be another 1-2 business days before the funds populate Three day holiday weekend pushes 4th business day to XX/XX/XXXX XX/XX/XXXX Emailed XXXX at Chase to take a look - his contacts now saying 3-5 business days, which pushes the timeline to XX/XX/XXXX, though the person he spoke with said there was a " high probability '' the funds would clear by XX/XX/XXXX. 
XX/XX/XXXX Still no funds but I received a check via USPS from Chase for XXXX cents, which is the amount I paid to link an external account. Spoke with XXXX again who said my timeline is now pushed to XX/XX/XXXX.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I have been impacted by COVID. I made the mortgage company aware of this. Per their website they offer COVID assistance though they have not yet offered that to me. I have been making partial payments ( more than half of my regular payment ) yet I received a foreclosure notice. I am attaching documentation showing all of my communication and payment efforts as well as information listed on the company 's website. My most recent communication with them was on XX/XX/2023.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

Me and my x spouse " XXXX '' separated in XX/XX/XXXX. However, he open a Wells Fargo Credit Card under his name only in XXXX. He added me as a authorize user in XXXX, that I was not aware of, nor did I ever use the card for personal use or for his business. He filed chapter XXXX in XX/XX/XXXX and Wells Fargo is holding me personally responsible and have changed all bank statements under my name, even after I asked to be removed as a authorized user, requested all credit card statements showing I didn't use the card, nor was aware I was a authorize user on the car. I have filed complaints with Wells Fargo, all three credit agencies and have a message from his Bankruptcy attorney stating I was only a authorize user and not responsible for this credit card. My credit score was in XX/XX/XXXX a XXXX and since XX/XX/XXXX its a XXXX. No one is assisting me in fixing my issue nor taking this off my credit score even though I have proof it was in his name since XXXX and he added me without my authorization in XXXX, and now all statements are in my name only
Consumer complaint received 2020-03-06
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: Global Lending Services LLC (TX)

I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-10-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NJ)

this is in reference to previous complaint # XXXX. 

Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. 

certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my

two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques
t.
Consumer complaint received 2023-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XX/XX/2023 Equifax Credit Information Services , Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-07
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. (TX)

I am a long time victim of Identity Theft and I have submitted multiple police reports to Equifax, report number, but Equifax has not removed the fraudulent accounts listed in the police report.
Consumer complaint received 2018-11-07
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. (CA)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX XXXX.. They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2020-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-05
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. (PA)

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX bank. Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.
Consumer complaint received 2020-03-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (DC)

So when I called Navy Federal Credit Union about paying on my loan they told me I had three loans with them and I only have one that I got merged in XXXX or XXXX maybe XX/XX/2019 around that time and I havent made a payment because their asking for more than my payment was suppose to be and thats like {$250.00} and I was planning on giving them {$500.00} to be back on track with my loan. I just want to know how do I have three loans with them? Or find a solution that I can work with paying them their money! Or I wont pay at all for the misunderstanding or disruption with my only loan I have with them. Thank you ...
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-03-06
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. (MI)

Initiated several disputes to Experian.com over a month ago and noted I had already filed a Federal Identity Theft report FTC Report Number XXXX on XX/XX/XXXX that put several accounts into dispute from back in Fall of XXXX thru early XXXX. Some accounts were removed, but some that got a lame reply back that their records show " the company that reported the information has certified to Experian that the information is accurate. '' < That doesn't mean anything! Section 609 of the Fair Credit Reporting Act requires WRITTEN VERIFIABLE PROOF of original signed documentation is held by the Credit Reporting Agency - which is impossible as the accounts in dispute were either fraudulent or had fraudulent charges placed onto them from the Identity Theft! Then they lowered my credit score by over 50 points because I'm trying to challenge these!!!!!
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NC)

XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX   Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back   Rewards account, and deposit them into my XXXX   online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case. 

I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank. 

When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed. 

I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do. 

I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to follow up on my previous communications regarding the negative entries listed on my credit report. Despite raising this issue multiple times with your department, I am disappointed to see that these entries have not been addressed or verified accurately.
Consumer complaint received 2023-02-10
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. (MA)

Dear XXXX XXXX XXXX ; XXXX ; Equifax ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a business account with BB & T and I never opted-in for them to pay my debit card transactions when I don't have enough money in the bank. I spoke with Representative XXXX on XX/XX/2020 that said for business accounts you are automatically opted in unless you opted out. The rep said they do not offer opt-in or opt-out Because they had me opted in I was charged a XXXX fee on XX/XX/2020 for a transaction that processed through my account. I was also charged a 7 day negative fee of {$36.00} on XX/XX/2020 because of that same transaction. I'm mad that I was hit with {$72.00} in fees because of BB & T automatically had me as opt-in instead of opt-out. I did not think they could automatically do this to a person.