davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (VT)

In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day. 

Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed. 

Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did. 

On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further. 

I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment. 

This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX. 

Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before. 

Please review this issue. 
Thank you for your consideration, XXXX and XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I bought a water softener from Home Depot on my Home Depot credit card on XX/XX/21 ( see attached receipt ). I returned it a few days later. Home Depot reported to the credit bureaus that I was 30, 60 and 90 days delinquent on a balance of {$3.00}. I realized they had reported this when I went to buy a home, and my lender told me my credit score was around XXXX. It is always above XXXX. I did not owe them the {$3.00}. After speaking with them, they told me that I bought a rug for {$3.00} with the water softener and did not return the rug. I did not buy a rug, therefore could not return a rug. I have spoken with their credit department numerous times, and they refuse to report their error to the credit agencies. They have told me that I need to submit proof I returned the rug, which is impossible, because I never bought a rug. They did inform me that they wrote off the {$3.00} and closed my account. This has tanked my credit and ruined my opportunity currently to buy a house. I am beyond frustrated and want this taken off my credit history immediately. Thank you.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I attempted twice to set their monthly reward program parameter with my B of A issued corporate card. As I traveled on business I attempted four times in total to set my online account access each time resetting my password with the help of their security featured text codes and every single time the log in card is being rejected. 
The phone number listed on their online support line ( XXXX ) is invalid as the automated messaging system is repeatedly requiring to input the account number ( I did ) with every single prompt selection and it is unable to forward the call to the online operator from that dept. Instead it automatically re-routes the call to their regular customer service that is ... ... ... .unable to reset the online system access and it is unable to offer an assistance with rewards program selection category. Why the CSR is unable to help customer with selection of the rewards category is beyond me as, for example with XXXX, the category can be selected with only one quick of the mouse without even logging into the system.

I believe the B of A is purposefully setting up the system this way so it doesn't need to pay the rewards accrued in the use of the card. I frankly do not believe that the bank is that incompetent to not be able to set up such simple function as rewards category selection by a simple help from the CSR if their system is unable to process it online.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NM)

My husband and I have been trying to refinance our mortgage with CALIBER HOME LOANS for over 6 months. We have had to call them several times a month to get any feedback on the loan, and we are still waiting to close this loan. At this point we don't have a close date and the paperwork we filled out at the beginning of this loan request has been refilled and our credit reports re-ran ( due to no fault of ours ). 
I am beyond frustrated as we had to pay for the home inspection and we continue to receive the run around from this company. 
I did ask in XXXX if I would have to pay another inspection fee if I pulled this loan and found another lender. I was told the paper work with with the final person before being handed over for closing. I understand COVID has affected the process but speaking with a few people connected to this loan ( outside of XXXX  has said this is way out of the norm and with my credit rating their is no reason why this loan has not been closed. 
I hope I am wrong, but the lower interest rate may be what is causing my problems. Is it wrong of me to think they have now received 6 months ( almost 7 ) months at the higher rate instead of the XXXX VA rate? I would sincerely appreciate any help you can provide as I have purchased many homes and refinanced many home loans and have never experienced anything like this.
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: LEXISNEXIS (NC)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Consumer complaint received 2023-01-19
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. (FL)

XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Consumer complaint received 2021-03-18
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)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

XXXX is reporting a collection account on my credit reports. I have never had any account with XXXX XXXX XXXX. I never opened up any account XX/XX/2020. They are reporting fraudulent collection on my credit reports. XXXX lost their reporting privileges so they shouldnt be trying to collect any debts. They also never sent any collection notices, bills, or validation to me by mail nor email. I have no clue why they are reporting inaccurate information on my credit reports. This debt isnt mine and its illegal to report anything that hasnt been validated. I have XXXX for 10 years. Never had any XXXX XXXX XXXX accounts. No bills, contract, purchases, products with XXXX XXXX XXXX.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (IL)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Consumer complaint received 2020-03-13
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. (UT)

XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VELO LAW OFFICE (MI)

Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA XXXX 
" Debt Scam ''
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My personal information was used to access personal bank accounts, change login information, alter account activity notifications, access personal emails, impersonate me for fraud, withdraw funds from my personal bank accounts, use existing cards to make transactions, request credit line increases, use my credit information to get approved for purchases, credit applications, apartment verification, alter my personal data, access my online accounts ( social media, third party payment apps, employment verification ), resolve debt collection issues, and ruin my credit score.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via zelle. I called chase to open a claim and they told me they can not help me and closed the claim. I also called zelle and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared Zelle payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I orginally disputed this collection from my credit report which has this debt under XXXX, no where on any of my credit reports show that this company, CONVERGENT has ever attempted to collect a debt. also, I have never received a letter from this company with regards to any debt. They have violated my rights and I want this removed from my credit. Lastly, a bill is not a validation of debt which is what they provided me and the account number on the bill doesn't match the account number on the credit report.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from Syncb/PayPal. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My card was left/stolen at XXXX XXXX in XXXX CA XXXX XX/XX/23 and then used the same day at some places in XXXX XXXX XXXX CA which is about a XXXX XXXX XXXX from XXXX ( where I currently live ) I reported the transactions as fraudulent and canceled the debit card around XXXX that day as soon as I noticed the transactions around XXXX. The dispute ended up being filed as my transaction which isn't true, and $ XXXX is a lot to be missing, when I check my bank the transactions were made through my debit card without a PIN number which is proof it wasn't me and the bank claims it was me because they were made through chip contact despite me having filed my debit card as missing/stolen.
Consumer complaint received 2020-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: I.C. System, Inc. (FL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE :  FORMAL COMPLAINT AGAINST XXXX XXXX / XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX CONTRACT NO. XXXX XXXX XXXX IS CHARGING ME FOR A STOP PAYMENT CHECK FEE OF {$15.00} AND WILL NOT ALLOW ME TO PAY ON LINE ANYMORE. 
BY MISTAKE I MADE A DOUBLE PAYMENT TO XXXX. ON XX/XX/2020 FOR {$220.00} AND ON XX/XX/2020 FOR {$220.00}. AT THE BEGINING I THOUGHT THE COMANY HAD OVERCHARGE ME BUT IT WAS MY MISTAKE, I MADE A DOUBLE PAYMENT THAT WAS REPORTED ON XX/XX/2020 TO XXXX  XXXX. THE INSURANCE AGENT CONTACTED XXXX WHO PROMISED TO CUT A CHECK THE NEXT DAY FOR THE REFUND. ON XX/XX/2020 XXXX   XXXX  INFORMED ME, THAT XXXX REFUSED TO CUT THE CHECK INMEDIATELY AND IT WOULD TAKE A LONG TIME FOR ME TO GET THE REFUND. XXXX  XXXX. ALSO SEND ME XXXX 'S EMAIL IN WHICH THEY STATED THAT IF I PUT A STOP PAYMENT I WOULD NOT BE ALLOWED TO MAKE PAYMENTS ON LINE, THERE WAS NO MENTION IN THE EMAIL THAT THEY WOULD CHARGE ME {$15.00}. MY RESPONSE WAS THAT I COULD NOT WAIT AND THAT I WOULD CONTACT MY BANK SO THAT THEY COULD REIMBURSE ME INMEDIATELY AND THAT THIS WAS AN INTERNAL TRANSACTION FROM XXXX XXXX XXXX  AND NOT A STOP PAYMENT. XXXX XXXX XXXX  RETURNED THE 2ND DOUBLE PAYMENT MADE ON XX/XX/2020 FOR {$220.00}. 
MY REGULAR XXXX INVOICE FOR THE MONTH OF XX/XX/2020 CAME FOR THE AMOUNT OF {$240.00} WITH A SPECIAL COUPON THAT NEEDED TO BE INCLUDED WITH THE PAYMENT TITLED " RETURNED CHECK CHARGE {$15.00} '' XXXX XXXX XXXX  CONFIRMED ON XX/XX/2020 THAT THERE WAS NO STOP PAYMENT INVOLVED IT WAS AN INTERNAL TRANSACTION DUE TO A DOUBLE PAYMENT FOR THIS COMPANY, AND THAT XXXX WAS NOT CHARGED BY XXXX XXXX FOR THIS TRANSACTION. 
I MADE A PAYMENT OF {$240.00} ON XX/XX/2020 WITH CHECK NO. XXXX TO XXXX BECAUSE I SAW THEY WERE CHARGING THIS TO ME ON LINE, THE NEXT DAY I RECEIVED THE BILL AND RETURNED CHECK CHARGE. 

I AM REQUESTING FOR XXXX XXXX XXXX TO REIMBURSE ME FOR THE {$15.00} INMEDIATELY. I SHOULD NOT BE PENALIZED WHEN THIS COMPANY RECEIVED A DOUBLE PAYMENT FROM ME AND THEY REFUSED TO REIMBURSE ME INMEDIATELY AS I HAD REQUESTED ON XX/XX/2020. IN ADDITION I HOPE TO BE ALLOWED TO PAY ON LINE IN THE FUTURE. 
SINCERELY, XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.