davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: ALLY FINANCIAL INC. (TX)

Ally Financial is reporting an auto loan on my credit reports with inaccurate late payments. I have contacted both Ally Financial and each credit bureau regarding these late payments and they refuse to update the errors on my reports to on time payments. Each bureau is reporting the late payments inconsistently and if they are all getting their information from the same place this should not be happening. I am demanding that all late payments be corrected and report 100 % on time as they should be.
Consumer complaint received 2017-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

O N   XXXX  2017 AT   XXXX   XXXX   MY DEBIT CARD # WAS USED TO PURCHASE {$2000.00} AT   XXXX   XXXX   XXXX   IN  XXXX , TEX AS.     O N  XXXX 2017 WE CALLED  XXXX  POLICE DEPT., CASE #  XXXX .       ON  XXXX /2017 WE CALL MY BANK BBVA TO INFORM THE PROBLEM, BBVA CASE #  XXXX . THE BANK INVESTIGATED AND CLOSED THE CASE WITHOUT MY REFUND. THE BANK TOLD US TO CALL  XXXX  OURSELVES AND WE DID WITHOUT ANY RESULT. THE BANK ALSO TOLD US TO FILE AT SMALL COURT, BETTER BUSINESS BUREAU BY OURSELVES. WE FEEL THE BANK SHOULD REFUND TO US WITHIN 10 DAYS BY FEDERAL LAW. TODAY WE STILL HAVE NOT RECEIVED THE REFUND. THE BANK CUSTOMER CARE TELEPHONE # IS  XXXX
Consumer complaint received 2023-10-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NM)

This company attempts to obtain your money for the purpose of debt resolution and on their website states : " We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt forgiveness of an amount equal to or greater than {$600.00} may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. '' They won't however provide a transaction history or any sort of documentation that shows any payment history, contract agreements, whether or not the transactions include state sales tax, or a transaction history that can be reported to IRS. 

As of XXXX was said to owe {$3500.00} and paid {$200.00} on XXXX and have spoken to numerous debt collectors and they have all stated they refuse to provide any of that documentation and also did not know of any " payment agreements '' that were arranged
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

Name of Co : U.S. Bank National Association - Cardholder Services - XXXX XXXX XXXX XXXX, FL XXXX In XXXX, I purchased a " XXXX XXXX XXXX '' Pre-Paid card from XXXX grocery store. Later that same year, I went on vacation out of the country and tried to use my card and XXXX froze the card and blocked me from using it. I contacted cardholder services and was told that the card was blocked and flagged for fraud ; and that matter would have to be addressed by the fraud department. Shortly, thereafter, I spoke to an individual in the fraud dept. My account was closed so I requested a refund of the balance which is now {$480.00}. That person told me that I would have to provide photo ID & Social Security Card. I was told that I could only send the documents by FAX and there was no " confirmation '' that could be provided when the documents are received. I was concerned about this process sending personal info without verification. I willing sent the photo ID and last four digits of social and the pre-paid card information. Still no reponse. I got a lawyer involved who also sent a letter on XX/XX/XXXX but still to this date.. no response.
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (OR)

Previously I had filed a complaint to the State of Oregon Comptroller 's office regarding Wells Fargo 's unethical treatment by agents resending on agreements for terms on our home mortgage payments during a time we needed assistance due to much hardship beginning with XXXX. Our home and land was lost. I have been saying the same thing about the unethical treatment of Wells Fargo for many years. 
I contacted Wells Fargo numerous times and provided them with all info they requested. 
We then mortgage repayment letters that were far different from previous statements and were impossible for us to catch up and make the banks demands. We had land as well as livestock. This created a horrific and XXXX  draining situation to find homes for the livestock and us in the very rural area. Our home was broken into and then posted no trespass by Wells Fargo. We lost much of our personal belongings. There were elements on the access road to our home through the subdivision which made the road impassible due to flooding as well. I reported this complaint to CFPB complaint # XXXX on XX/XX/XXXX and provided documents. ( please see complaint ) I have submitted complaints and request for compensation to Wells Fargo and as of recently they have once again made confusion and recanted on paperwork they sent to me. I have been working currently with XXXX XXXX, phone # XXXX # XXXX last we spoke he said to contact him with follow up questions but when I called back the next day his answering message said he was on the line helping others, which was not true as he had left for vacation. XXXX XXXX had sent a letter on XX/XX/XXXX ( attached ) asking what I desired for a resolution. So I spoke with XXXX who said he would follow up. Then out of the blue I receive a phone call on XX/XX/XXXX from a women Wells Fargo representative who tells me my complaint is not valid for the Wells Fargo settlement and I will not get any money. I had filed to be a part of the Class action Wells Fargo mortgage claim. I did so online as well as a phone call to Wells Fargo. I once again asked this agent if they had my address correct as they had not previously, they claimed and causing paperwork to reach me late. I requested of XXXX XXXX to email me documents as well as send USPS. he has been out on Vacation until XX/XX/XXXX I received another letter dated XXXX case XXXX and it said Wells Fargo was committed to looking into my complaint. Then today on XX/XX/XXXX I receive at the USPS a XXXX letter from Wells Fargo that says they inadvertently sent me an acknowledgement letter on case # XXXX, they apologize and are withdrawing the case. ( attached ) once again they have recanted. I maintain that Wells Fargo caused us to loose a home, land, livestock and personal effects. Causing much emotional stress and displacement. XXXX XXXX formerly XXXX
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2023-01-26
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. (TX)

n accordance with the fair credit reporting act 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 an account without my written instruction.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I put a cashiers check into my account of XXXX and it cleared into the account after 13 days when it did clear they closed my account and took my money XXXX and I have been trying to get it for 3 months now I hate lost alot over this and I want my money that was wrong to do and I think it's a crime to do this to people
Consumer complaint received 2023-02-28
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. (IL)

The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$75.00}
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

In XXXX I lost my job. Most of my credit cards ended up going to collections. My XXXX XXXX credit card was one of them. The balance at that time was {$1500.00}. It has been 7 years and Transworld Systems Inc is still attempting to collect on this charged off debt stating the amount as of XX/XX/XXXX is {$4000.00}.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Albert Corporation (NJ)

I did not even know I have been paying for Genius subscription from XX/XX/2022 and every month they are charging {$12.00} as fee. Also not sure when did I subscribe for it. I contacted bank for the issue and they are refunding only this current month. I did not use any of the benefits from their service. Also no transactions in my account in last 14 months.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

About a year ago, I suffered a financial scam in purchasing a RV. I currently owe {$35000.00} to fifth third bank for a RV that is only worth {$15000.00}! I am completely upside down. 

The RV dealer completely lied to me saying this RVs MSRP was {$32000.00} but after the fact I found out it was only worth $ XXXX! 

I talked to the RV dealer, XXXX XXXX XXXX, XXXX, TX, about canceling the whole deal before I ever picked up the RV they said they couldnt cancel it I all ready signed the paperwork. 

I talked to Fifth Third bank a week after this deal they told me same thing- nothing they could do I signed the paperwork! 

If the RV dealer would have been honest with me about the value of this RV-I would have never ever agreed to it. And I wouldnt be in the situation I am now. 

How can a bank knowingly give me a loan for {$36000.00} on a RV that is only worth $ XXXX??? 

Fifth Third bank and XXXX XXXX scammed me. I am completely sick over this whole ordeal. I am stuck with this RV worth {$15000.00} and I owe {$35000.00}!!! 

It should be illegal for companys and banks to deceive consumers this way.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

carrington mortgage po box XXXX XXXX ca XXXX we changed home owners insurance to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  mt XXXX we were insured by XXXX XXXX  and XXXX XXXXXXXX XXXX they could save us money. they insured us through emaclaw insurance, but emaclaw decided they could not insure us, so XXXX XXXX got us insured through travelers. are mortgage payment kept going up, we called carrington and found out XXXX XXXX was never canceled, and was paid out of are escrow account, and emaclaw was paid out of escrow to XXXX, and travelers was paid out of escrow to for XXXX we have decided to keep XXXX XXXX we called travelers and they returned XXXX, and emaclaw never returned any money. are mortgage payment went up through no fault of ours, and now if we do not get the XXXX and the XXXX back we could face foreclosure.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (PA)

I was contacted by Truist bank that I had missed a payment for the month of XX/XX/XXXX. I went to my bank provided them a copy of the cleared check. Truist then contacted my stating it was actually XX/XX/XXXX. Again, I went to my bank and provided them a copy of the cleared check. I was informed this was not adequate proof of payment. This is the only form my bank could provide me. On XX/XX/XXXX spoke with collection agent from Truist and was told now this missed payment was from XX/XX/XXXX, and XX/XX/XXXX. I provided proof of payment for the XXXX payment in the form of a bank printed copy of the XX/XX/XXXX payment. I was unable to locate the XX/XX/XXXX payment. I took all payment information to a XXXX PA branch that was requested and available. Today XX/XX/XXXX I was contacted again. Now the date has changed once again to XXXX of XXXX. This is unacceptable and has caused me to loose time from work obtaining the requests. I have had to return to my bank for proof, which will now be 5 times! Again, I have proof that payment was made XXXX of XXXX. There was a transition from BBT to truist. Every payment in question has been when it was BBT. I am questioning the validity and accuracy of their ability to keep and maintain previous and current records. Please help my get this straightened out and hold this bank accountable for their poor handling of my situation. I have been more than happy to provide them what they requested however, everytime I do, they come up with a new date!
Consumer complaint received 2023-03-02
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX  - Has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX contacted the creditors and experian multiple time stating that these addresses and employment are wrong below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX  XXXXXXXX XXXX XXXX  I XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XX/XX/XXXX TopInquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, there are several accounts listed that are in violation of various laws and regulations, including : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX Off Account XXXX XXXX XXXX XXXX XXXX XXXX Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX Off Account XXXX XXXX XXXX XXXX XXXX XXXX Account I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I paid off this credit card and it had a XXXX balance on the card- the company has continued to charge interest and late fees even though the card was at a XXXX balance - the company has since charged off the card and affected my credit. There should not have been a balance on this card as it was paid off to a XXXX balance. The company has not sent me any statements and has locked me out of the account. I want the company to remove this negative remark from my credit report and write off the balance as this is not something that is owed.
Consumer complaint received 2024-03-18
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. (VA)

Companies Involved : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pa XXXX XXXX Ga XXXX XXXX Tx XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXXXXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX  : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.
Consumer complaint received 2023-03-01
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. (MT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXollection Account Firstly, I dispute the accuracy of the information regarding the collection accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX