davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

Ally.com is my lender and servicer. I went online to make an on-time payment. Their system does not allow access to my mortgage information. I can not do anything more than see the total amount due. There is no access to pay or to see balance information or principal/interest payment breakdown. I tried contacting the bank support for the website and spent nearly an hour on hold, only to be transferred back onto a forever hold. I was unable to proceed with the company beyond this point.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX  injuries. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IN)

Discover Card is showing they have loaned money to me on two separate accounts. When I confront them about proof they loan money from their own funds, they can not answer questions. Ive sent them questions, waiting for someone with first hand knowledge to answer. Unfortunately I assume they do not have the answer or they are hiding information from me. These question would assure a few different points. One, Discover card made a legal loan from their own fund and they are untitled to collect. Two, when making this alleged loan they complied with the Truth and Lending Act. Three, it would show the real ledgers of the account for proof of what happen in the back ground of this alleged loan.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America credit card fee. Tried to call to cancel card before annual fee was deducted. Was on hold for 30 minutes. After 30 minutes had to go on with my life. Called back next day and fee was charged and Bank of America refused to refund fee.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

On approximately XX/XX/2019, i used my suntrust account to make a purchase on ebay for the amount of {$140.00} to a seller to have my ignition switch repaired, that seller never repaired my ignition switch and stop responding to emails. so i contacted XXXX with no help. 
So i contacted suntrust several times on different occasions and spoke with 4 different people with no help, the employees of suntrust claimed to have sent me an affidavit but i received nothing, today i spoke with someone named XXXX at approximately XXXX and was told they cant issue you a refund even though i didn't receive what i paid for, so i asked to speak to a supervisor, her name is XXXX and she told me we cant issue you a refund unless you respond back to an affidavit, i told her i never received one and each time suntrust claim they sent it to me by email i didn't receive anything, which i believe is intentional so that i cant dispute the transaction and delay the time so that transaction can expire.
Consumer complaint received 2018-04-21
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)

IN REGARDS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. I HAVE INFORMED THE EQUIFAX BUREAU OF AND THE CREDITOR THAT I HAVE BEEN A VICTIM OF IDENITITY THEFT AND I HAVE SENT CERITIFIED LETTERS XX/XX/2017 ASKING FOR THE DEBT VALIDATION AND VERIFICATION OF WHEN THE ACTUAL CONTRACTUAL AGREEMENT WAS SIGNED WITH MY ORIGINAL SIGNATURE AND I HAVE NEVER RECEIVED A SINGLE RESPONSE JUST A SETTLEMENT LETTER. I HAVE NEVER SHOPPED AT XXXX XXXX XXXX FOR ANY ITEMS. I HAVE WENT THROUGH ALL THE PROPER CHANNELS IN RESOLVING THIS MATTER AND NOW I AM MY LAST STRAW. MY IDENTITY HAS BEEN USED AND STOLEN BY SOMEONE I DO NOT KNOW AND EVEN THE EQUIFAX BUREAU CONTINUES TO PUT THESE WRONG ADDRESSES ON MY CREDIT FILE THAT I HAVE NEVER LIVED AT. THIS IS TRULY BECOMING A NUISANCE TO ME. I KNOW SOMETIMES BAD THINGS HAPPEN TO GOOD PEOPLE BUT THIS IS UNFORTUNATE I HAVE TO SUFFER ON THE COUNT OF SOME CROOK WANTS TO DEFRAUD THE SYSTEM. DURING THE TIME THIS ALLEGE ACCOUNT WAS OPENED I WAS CARING FOR MY AILING FATHER AND COULDN'T LEAVE HIS BEDSIDE BUT I TRULY WANT TO KNOW HOW THIS FRIVOULOUS REPORTING CAN CONTINUE.
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (CT)

I attempted to make a funds transfer from my Marcus account today, XXXX, an error message stated, " unable to process '' or similar thereof. The transfer was going to my linked XXXX account in my name, three prior funds transfers were made prior, amounts of {$2300.00}, {$600.00}, {$800.00} with no issues. I called to find out reason for issue, it appears Marcus placed a hold on the account yet again, second one thus far. The reason for the funds transfer is to cover ACH payment items due to withdraw from XXXX account. Also, I am in process of making an offer to purchase a house and need access to funds.. It appears Marcus likes to monitor transactions, mark them as suspicious to the point of harassment.
Consumer complaint received 2022-07-24
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)

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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXXXXXX XXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXXXXXX XXXX XXXXXXXX Acct # 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 2018-10-18
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: EQUIFAX, INC. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX  XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXXXXXX ( Equifax : XXXX ).
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, XXXX XXXX  XXXX ran my credit score for an auto loan which was a hard inquire. However, I did not apply for a loan through my personal account, I applied from my XXXX XXXX XXXX XXXX for their business auto loans. This inquire should not have been on my personal credit score. I called XXXX XXXX XXXXXXXX to dispute this matter and they agreed that it should have been through my XXXX not personal and claimed that I dispute it with Experian. When I contacted Experian, they said XXXX XXXX XXXX is the one I should dispute this claim because they are the ones who report the claims to them. So both XXXX XXXX XXXXXXXX and Experian did not do anything to help resolve the matter except forwarding me be between each other. 

On XX/XX/2021 XXXX XXXX ran my credit score which was also a hard inquire. I had applied for a XXXX XXXX  online and submitted the application properly. After the application was finished, I waited for a response in the mail. However, after some period I did not receive any letters or information. When I called to get an update on my application, they could not find the reported application in my name. Now I have a hard inquire without the approval of the XXXX XXXX that I had applied for which I was already pre-approved for me according to the letters I received in my mail prior to applying. Experian claimed they also can not do anything about this claim.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Fifth Third for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2020-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CO)

I have used PayPal to send money to friends and family and for the purchase of goods and services on many occasions. My checking account is directly linked to my paypal account and is the default source for funding for both purchases and transfers I make using PayPal. PayPal charges the recipient a fee if a transaction is designated as for the purchase of goods and services and there is no fee if the transaction is designated as sending money to friends or family. 
I had previously sent my daughter money designated as a friends and family transaction through paypal and no fee was paid. Paypal offers a quick link option for previously made transactions which are labeled as " Send Again '' When I used the " Send Again '' option to repeat sending money to my daughter designated as a friends and family transaction with no fee, the transaction was processed by paypal as a purchase of goods and services and a fee was paid to Paypal. 
Paypal 's practice of charging a fee to the recipient of a transaction instead of charging the sender the fee upfront is somewhat confusing. PayPal 's " Send Again '' option changing the designation of the previously made transaction from Friends and Family ( no fee ) to a transaction for the purchase of goods and services ( fee ) is deceptive.. 
When I questioned PayPal about the charge I was told sorry. I suggested that Paypal change the default settings so the " Send Again '' option repeats the previous transaction. I was told by Paypal they could not change the default.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive tried to get in touch with XXXX XXXX and Transunion Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (OH)

Experian will not remove the fraud alert on my credit report. Multiple attempt have been made and they still will not acknowledge my form to have it permanently removed.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Experian Report # XXXX on XX/XX/XXXX has a negative account reporting from XXXX  XXXX XXXX ( XXXX ) with the original creditor XXXX XXXXXXXX ( # XXXX ). This account has been under dispute multiple times for unauthorized reporting on my consumer report. EXPERIAN, XXXX and XXXX have continued to report this account as a negative impact which has in return, ruined my reputation with future lenders to extend my credit. XXXX claims they bought this account from XXXX  XXXX. As I have attached an identity theft report due to XXXX  XXXX not following the internal revenue service tax law. It is a tax fraud to not send copies of XXXX, cancellation of debt and the XXXX XXXX XXXX XXXX forms. They have filed these forms without my authorization and then sold the alleged debt to a 3rd party to collect on an account that they have already received payment for through my social security number. This account has been reporting since XX/XX/XXXX which is more than enough time for either XXXX  XXXX or XXXX to produce these tax forms and/or correct them. I am asking for the immediate deletion of this unauthorized account being reported on any consumer report I have mentioned, in addition to any I'm unaware of.
Consumer complaint received 2021-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My personal information was obtained and misused in attempted to open fraudulent accounts. There are inquiries on my report that I did not authorize. Regardless if there was an approval or not I need them to be removed before this gets out of hand. Please make sure these credit companies are on their job and get this dispute resolved. I can not have these inquiries that are mine, reporting any longer. This shouldn't even be reporting on my consumer report anyway, according to U.S. Code Section 1681b. I filed a report through the FTC and the report number is XXXX
Consumer complaint received 2022-07-24
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX, XXXX  XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.