davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX I enrolled in the bonus program through Ally Bank. The program was if we deposit fresh {$50000.00} we get {$500.00} bonus or 1 %. I received an email that I was enrolled and that by XX/XX/XXXX I will receive the {$500.00} bonus. These are the dates and times I spoke by phone to agents at Ally Bank. One agent on XX/XX/XXXX, at XXXX and XX/XX/XXXX at XXXX confirmed that I was enrolled and qualified for the {$500.00} bonus and that I will receive it on XX/XX/XXXX. I never received the {$500.00} on XX/XX/XXXX, and as of today I never received it. I called again on XX/XX/XXXX at XXXX and spoke for almost an hour to an agent by the name of XXXX XXXX and she said that she is opening a case regarding it, and it will take 7 to 10 business days to receive the {$500.00}. Again, I never received the {$500.00}. I called again on XX/XX/XXXX, at XXXX, and again the following times : XX/XX/XXXX at XXXX, and on XX/XX/XXXX I called twice at XXXX, and again at XXXX. All those times the agents told me that they could see that there is a case open and that it has been escalated. The case number is : XXXX. In addition, I emailed them regarding the {$500.00} bonus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response that I received was that I have a case # XXXX, and that it needs further review. As of today, I have not filed yet a complaint with the State of New York. I am aware that this is same issue as not getting the interest I was promised. I am asking you to help me resolve it. I greatly appreciate it.
Consumer complaint received 2019-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2019 Experian e-mailed me that my score had dropped 8 points, On XX/XX/2019 Experian e-mailed me my report dropped another point. I checked with them and there were no changes they or I could detect on my credit report. They told me over the phone just to accept that they are correct and there are several things that make it drop, but they could not tell me what it was. Both XXXX and XXXX have noted only increases on my report as I pay off all my accounts promptly. I also noticed when I was trying to get info online I would constantly be bombarded with paying for upgraded services from Experian in order to get more information about my account. Please help! I take my score very seriously and do not understand how I can keep Experian from continually dropping my score if I can't ascertain why they are doing it!?
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (FL)

I have a loan with MERCEDES BENZ FINANCIA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and MERCEDES BENZ FINANCIA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC. (FL)

My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00}
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened the checking and savings account for promotion bonus. 

It said " Open a new checking and savings account in the Citibank Account Package between XX/XX/XXXX-XX/XX/XXXX. Within 30days of opening your account deposit {$15000.00} New to Citibank funds into the checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. Get {$400.00} deposited to your account! '' I opened checking and savings account on XX/XX/XXXX with {$15000.00} deposit. 
I maintained this balance up to now. I called several times to Citibank and I still did not get the promotion. 
They kept saying different time period of 90 days. I want to get a promotion of {$400.00} and close all my account.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. 

I called several times and connected with a representative and supervisor on chat and on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 i filed a complaint with the CFPB XXXX XXXX ID XXXX XXXX about some fraudulent activity on my debit card. 

After disputing the transactions with my bank that they decided to only partially credit my account for these transactions. Even though I reported ALL of the transactions as fraudulent, and I also have new information. 

I believe that the person who stole my phone and my debit card, and who fraudulently authorized those transactions over the phone could have been an old babysitter. They knew my gate code ( which is also secretly the pin to my card ) and he had access to my personal belongings in the house while I was away.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My wallet was stolen with my ID, Social Security Card and debit/credit cards. They took a lot of money from my accounts including my bank account on XX/XX/18 for the amount of {$2000.00}!
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

On XX/XX/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. 
To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate.

Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with  the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. 
Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.
Consumer complaint received 2023-03-18
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway 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 XXXX XXXX XXXXXX/XX/XXXX )
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WSFS FINANCIAL CORPORATION (TX)

SINCE WSFS BANK IS THE BANK BEHIND XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX  DEPOSIT ACCOUNTS, this complaint is directed towards this bank for not supervising the regulatory requirements that goes with XXXXXXXX XXXX license especially when UNAUTHORIZED TRANSACTIONS HAVE BEEN PROMPTLY REPORTED. A police report has been made to XXXX XXXX of the XXXX POLICE DEPARTMENT ; Report XXXX To dateXXXX XXXXXXXX XXXX  intentionally REFUSES to post an available credit totaling {$2900.00} which is the total amount of XXXX direct deposits made into the account on XX/XX/2023 and XX/XX/2023, respectively. On XX/XX/2023, XXXX supposedly issued provisional credits but HAVE NOT MADE THESE CREDITS AVAILABLE FOR USE which has caused insurmountable financial losses since i have not been able to pay any bill and due to this, i have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs ; an adverse reaction to the benefits advertised by XXXX XXXX XXXX XXXX 's promotional advertisements claim of helping to " build credit ''.- on the contrary, they have destroyed my credit.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

My information got stolen and used i found things in credit report that i did not authorized or used my self i have tried to contact the company 's and the credit company 's and no one will help me i called the policy I never gave any one permit ion to use my credit or to put negative things in my credit report In accordance with the credit fair reporting act states that everything has to be accurate 100 % based on their investigation. they they stated that this was validated yet i get ignored when i ask for the proof this is a violation of my rights 15USE 602 1681 section 604states that consumer reporting agency can not furnish my account with out my written permit ion so i did not give written permit ion to those accounts to report fraudulent accounts to my credit report PLEASE remove those negative reports to my account please delete 800LoanMart, XXXXXXXX XXXX XXXXXXXX and ll those address that i have never lived at i been in the same address since XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Pleaase3 delete these accounts due to this is a violation
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

I have contacted Navient several times via email. Every response I receive is the same, That they have updated my credit report. All they keep emailing back is that I have paid my account off and have a XXXX   balance. But on my credit reports it has not been updated or it has been updated to deferred payment showing a balance of {$970.00}. It is a XXXX balance.
Consumer complaint received 2019-05-04
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: KEYCORP (WA)

On or about XX/XX/2019 KeyBank received Affidavit of Identity Theft and Fraud regarding the account in question. During the course of their investigation I furnished them with a copy of my Certificate Of Offender Status as proof that I was incarcerated during that time period. Furthermore, I testified under penalty of perjury that I did not authorize any transactions in my absence. 
It is now XX/XX/2019, and after attempts to contact KeyBank to remove this item, the KeyBank account is still on my credit reports. This is a violation of the Fair Credit Reporting Act because the information is inaccurate and the account contains fraudulent activity for which I am not responsible.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

I called on XX/XX/18 and spoke to a lady and told her that my XXXX account was not listed on any of my credit reports. I have a signed copy of the reaffirmation agreement from the court but they refuse to show my account in good standing.I was told that they will not report my account even though I was never late or missed any payments. The reaffirmation agreement with the court should make them legally have to report my account in good standing.
Consumer complaint received 2019-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CO)

In XXXX of 2016, I received a notice about a late payment for on my XXXX XXXX credit card - comenity bank. I notified them that I had not received any bills or notification and paid the bill in full right away. I had them update my mailing address ( which they did not have the correct address ) and my email address. I was told this would have no negative impact to my credit because of the measures I took to resolve. 

For the last 3 years, I have had this 1 single late payment reflected on my credit report and have never had a late payment before this false report. I have excellent credit and am very meticulous about my finances. I would like to have this rectified on my report to reflect my level of conscientiousness and the fact that they did not have the proper information in order to send me a paper bill.
Consumer complaint received 2018-09-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX, we tried to do a loan modification when my husband 's income had taken a {$4000.00} a month cut. I paid the mortgage for an entire year to keep us going but the first loan alone was {$7500.00}. I couldn't continue without his help. It was an interest only loan. We were promised a modification verbally then would receive a written notice that the file was closed. We were promised a call with decision makers after that only to receive calls from workers who said they didn't have the authority to make decisions. We were constantly given the run around. My husband finally claimed bankruptcy to accelerate a modification to come to fruition to no avail. Wells Fargo actually flew 7 higher ups to meet us for a conference only to tell us they couldn't do anything. We continued to try for years. I finally left my husband almost 4 years ago and notified the attorneys for the bank as well as executive mortgage services of my new address. I informed both that my soon to be ex husband does not open the mail and does not inform me of anything going on. I asked that all correspondence regarding our home and foreclosure be forwarded a copy to me. I received nothing. In addition, I started a short sale last year that at first my husband agreed to but then refused to cooperate. I was continually in touch with a contact at executive mortgage services. It went nowhere because of my husbands refusal to cooperate. My divorce attorney couldn't do anything because nothing was happening with the house. On Monday XX/XX/XXXX my Soon to be ex husband notified me that he had received a notice from Wells Fargo informing him of a foreclosure auction date of XX/XX/XXXX. I immediately called my contact at Wells Fargo to find out why I did not receive any notification and also to submit a short sale application that my husband was now willing to cooperate with and he did not return my call. I called 3 more times that week to leave messages to no avail. I faxed in a short sale offer to the bank as well. Today, I called a different number to find out my addresss was never changed, the contact I had was no longer in that department but never had the courtesy to let me know and this was his personal cell phone number that he gave me to contact him on all along. So I suppose there would be no recorded record of our conversations!

This foreclosure which was not my choice, will cause me many repercussions for my future. Had I been notified as requested all along, a very different outcome that was more favorable could have occurred. I am a responsible party on the note yet I was not notified of anything despite my numerous requests. I contacted the bank and was told they are moving forward with the foreclosure but will investigate why I wasn't informed. This may help their internal processes but does nothing to mitigate my severe losses financially, and otherwise.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Dear equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. THERE NO NOTICE OF DISPUTE 2. Different last payments from XXXX  & EQ 3. The payment history have no late payments so the account status is incorrect.

4. LATE PAYMENT STATUS ON EQ SHOWS 60 days MAYBE UPDATED TO 80 days late BUT THE ACCOUNT WILL STILL BE INCORRECT CAUSE XXXX  REPORT 90 days late. 
5. DIFFERENT OPENING DATES : XXXX HAS XXXX EQ HAS XXXX. Wrong information 6. Remove account due to incorrect or inaccurate information FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you XXXX
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I called USAA on XX/XX/XXXX to help me resolve a debit card dispute for a transaction that took place on XX/XX/XXXX in the amount of {$6500.00}. The company I am disputing with has a class action lawsuit pending against them for bad practices etc. I specifically asked the representative it was too late to dispute the amount, she said no. She said she could dispute it for me with out any problem, which she did and gave me provisional credit. She then told me I needed to write a letter to ensure they got my side of the story while they investigated. I wrote a long letter to explain everything .... 

I received the provisional credit on XX/XX/XXXX and patiently waited for the results of the dispute after Id gathered my evidence and wrote my letter as instructed only to hear back from them 3 weeks later on XX/XX/XXXX saying my dispute was filed too late and they would be removing the provisional credit without even investigating. This seems crazy to me as I am sure there should have been training in place to let the first representative know not to file the dispute if it was past the timeframe to file. In addition, why did it take 15 business days to get back with me to tell me they werent going to investigate. Which means they didnt even start looking into my dispute or my letter that I took the time to write per their instructions.