davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WA)

The loan was paid off by another bank who sent the entire check of XXXX to Ally. I only owed XXXX Ally now is Telling me that I have to wait 55 days to get the overage back. XXXX they owe me. I have tried phone call and email but I get nothing but canned responses and no satisfaction. I when I owed them money they didnt wait 55 days for me to make a payment. We live in a world with computer applications and electronic transfers, this transaction should take 2 minutes not 2 months. I am not interested in calling them to listen to more XXXX they need to pay their bills.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I XXXX XXXX contacted Equifax through mail numerous times throughout the year to validate a debt ( charge off ) from XXXX XXXX pursuant to 15 USC 1692g of the FDCPA. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. 

Equifax has also been made aware that they have violated Federal law pursuant 15 U.S.C. 1681a ( 3 ) -Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
-Pay attention to the key word assumed, I, the natural person, consumer and original credit, XXXX XXXX XXXX never gave Equifax the right, written consent, to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy. 

Fact, I XXXX XXXX am aware and has proof that Equifax has violated Federal law pursuant 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the natural person, consumer and original credit, XXXX XXXX, never gave Equifax the right to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy.
Consumer complaint received 2021-12-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

Paid off consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment. 


Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.
Consumer complaint received 2022-09-27
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. (IL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a mortgage with Bank of America and they provided a letter showing the closing amount due as {$220000.00} good to XX/XX/XXXX. 
I closed on a refinance with XXXX XXXX on XX/XX/XXXX with XXXX, XXXX, and XXXX as the closing agent. 
The amount of {$220000.00} was wired to Bank of America. 
Today, XX/XX/XXXX, I receive a letter from Bank of America the balance for payoff as of XX/XX/XXXX is {$270000.00} and they have not closed my mortgage and have not sent a satisfaction of mortage letter. 
On XX/XX/XXXX, Bank of America took a full mortgage payment plus a principal curtailment in the amount of {$1900.00} without my consent. 
Not only did Bank of America change the payoff amount, they later increased it from {$220000.00} to {$220000.00} plus they took a full payment on XX/XX/XXXX without my consent. I am on the phone with XXXX from Bank of America today and have no resolution.
Consumer complaint received 2021-12-09
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: CCS Financial Services, Inc. (FL)

I sent letters on XX/XX/2021 and XX/XX/XXXX, XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (AL)

On these dates below the following inquiries were unauthorized : ( XX/XX/XXXX ) XXXX XXXX, ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

WhenI first found out there was a problem is when I called to find out why my mortage payment wasn't taken out of my husband 's account. The ditech rep said that I was 12 months behind on my mortgage. I have been sending in payments every month, so where is this money going? She also informs me that my account has been sent to an attorney for foreclosure. They will not accept any payment. Two days later, I get a letter stating that they have put {$990.00} into a suspense account. A day after that, I get a letter that I owe money to an escrow account, and I notice that the account number on that statement is different from my original account number. I am so fed up with the shady dealings of Ditech. Now they will not accept any payments and are threatening to take my home. Something needs to be done.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request that the extended fraud alerts and security freezes be removed from my credit reports. I am trying to see if I am eligible to receive financial for a emergency medical procedure. Having the above mentioned placed on my credit reports has been a major inconvenience. Can you please removed it as soon as possible. Thank you.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Received a call today from someone who they said worked for Coinbase and saw someone was trying to login to my account from an unauthorized device. He asked for my 6 digit authentication code. Code was given, as he reassured me with a reference number that he was an actual representative for Coinbase. That person changed something in my account cause I received an email stating the 2-factor authentication was changed. I then see a withdrawal from my bank account to my email, which was {$1000.00} and used to buy bitcoin. I then disable my account. I have been emailing with support shortly, asking me to provide a selfie of me and my ID and to be sent to this site. I have not received anything from Coinbase regarding my account nor my money. I made my bank aware of the {$1000.00} transaction and filed a fraud claim. My bank is XXXX XXXX  ( Massachusetts ). I have a total of around {$4000.00} linked to my account, in which these scammers had access to.
Consumer complaint received 2021-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to file a complaint against Bank of America. I left the United States in XXXX to go overseas to work with the military and before I left, I sent letters and call all those that I had some form of business relationship to cancel their services. When I came back to the United States of America in late XX/XX/XXXX I tried to apply for credit, and it was denied as they said that I have a charged off account on my credit report from Bank of America and I was shocked by this. I then called Bank of America and disputed this and asked the young lady to remove it from my account. She informed that it will not be removed until I pay the amount that I allegedly owed. I was going to fight this matter in court but my wife said that it would cost me more than what I would receive so we should just pay it and get along with our lives. I reluctantly agreed to what she said. 
I then called back and spoke with a Bank of America rep who informed me that she can not fully discuss my account with me but all that she knew was that once the funds were paid that I allegedly owed then the negative item would be deleted from my account. She called it ''A PAY FOR DELETION ''. To this date the item has not been deleted from my account as promised and I recently got a letter from Bank of America stating that they are unable to provide me with documents signed by me saying that I opened the account as the account they claim was opened online. I never applied for a Bank of America card online. 
So, they can not prove that I opened the account but yet they continue to report a negative item on my credit claiming that the account is mine and this makes no sense. If you can not prove that I opened the account, then how can you report it on my credit report. This is totally illegal. 
I am not interested in a long-drawn-out battle with Bank of America. I just want them to send a report to the credit bureaus requesting that Bank of America will be deleted from my account as promised by an agent of their company. I lost my wife and a child to XXXX, and I am trying to rebuild my life. I suffer XXXX and this situation is causing undue stress. Please show some compassion. These are terrible times we are living in I am enclosing a copy of the letter Bank of America sent to me.
Consumer complaint received 2021-12-09
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: Bread Financial Holdings, Inc. (FL)

I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.
Consumer complaint received 2022-03-26
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. (GA)

The XXXX mainConsumer Reporting Agencies ; EXPERIAN, XXXX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My two home loans were with XXXX. In XX/XX/2019 XXXX notified me that they are bankrupt and transferring my loans to Loan Care. In late XX/XX/2019, Loan Care sent me a loan transfer forms for one of the loans and requested that I pay the first 2 months, since it will take time to transfer automatically. In early XX/XX/2019, I sent them a check for each of the loans. Then I found out Loan Care cashed both checks and also took my money from my account via automatic payment for the month of XX/XX/XXXX. Also XXXX did not transfer my home loan and also took out the automatic payment for XX/XX/XXXX. Thereby I double paid Loan Care in XX/XX/XXXX. I have contacted XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX VA numerous times, sent them copies of both checks and my bank slip. They still have not refunded me my money and always have an excuse. It is in reference to customer ticket XXXX X. 
They never contact me and I am still out of over {$4000.00} USD
Consumer complaint received 2018-09-16
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. (MI)

Ive attempted to dispute the fraudulent accounts with Equifax numerous times. Equifax has once deleted fraudulent accounts but have re-added them back to credit report. Ive provided two police reports reporting fraudulent accounts and Equifax refuses to remove negative fraudulent info. And Equifax wont force the merchants provide fraudulent information to provide proof of a valid debt.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer cre pit plan as late for purpose.
Consumer complaint received 2021-12-09
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: NAVY FEDERAL CREDIT UNION (FL)

I sent letters on XX/XX/XXXX and XX/XX/XXXXand havent gotten a response or anything in writing from none of the XXXX credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (FL)

On XX/XX/2021, I sent a letter to First Point Collections after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them a certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they ignored my letter and never replied. I am not liable for this alleged debt and they have not provided the documents I asked. 

I demand that they delete this account from my credit report immediately.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: NIC, Inc. (AZ)

I am filing this grievence due to my frustration with a medical balance that was regretfully placed with Nemos Collection. I recently created an account to monitor my credit and was alerted to a collection still reporting to the bureaus that was paid with the understanding it was going to removed from my credit profile, which I now see it was not. I reached out to Nemos Collections for clarication and to request a deletion of the collection but was met with if I paid my bills I wouldnt be in this situation & that this is my fault, etc. which is highly unprofessional and unethical. In hindsight, had I have known I could have disputed the collection while I researched the validity of the balance to ensure it was in compliance of the Medical Debt Act & HIPAA guidelines I would have gone that route. This is not my area of expertise which is why I trusted, in good faith, the process. Due to erroneous collection tactics, I would like this collection removed from my credit profile with the bureaus. The debt was settled XX/XX/2018.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 bXXXX I have been current so I don't want that to continue to affect my scores. 

CREDITACPT XXXX # XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

Paid the bill off in XX/XX/XXXX XXXX XXXXthis is the amount that was on their website that day when I paid. There were no more charges, in fact nothing had been purchased with this card in 4 months. They placed a finance charge of {$3.00} on XX/XX/XXXX and the late fees started accruing from then. The total amount of late fees at this point is {$190.00} and they are not willing to remove those. They have already closed out the account and this is steadily hitting my credit for over the limit amount.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

For opaque reasons that are as unfair, American Express is consistently refusing to honor their advertised promotion to me when applying for their card ( see attached pop up image when attempting to obtain a publicly advertised offer ). 

After having been initially told that I am ineligible for any offers due to me electing to take advantage of their COVID relief program in late XXXX of 2021 and would need to wait a full year to reapply for a credit card with their company. Although the year has elapsed they continuer to not honor their publicly advertised promotion to myself- both when applying on the personal and business level. 

My credit score is above average and I feel that American Express is not honoring their commitment to the public by singling out applicants arbitrarily based on opaque reasoning that is equally unjust to the applicant. In this case, I am being treated unfairly and it is causing me to question their ethical practices in provided equal credit services to all Americans.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 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.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Hi, I had a dealership offer to purchase the vehicle at {$17000.00} whole the loan is at {$15000.00}. I am requesting reconsideration to allow the dealership to purchase this loan if not RBFCU will loose money if sent to auction and receives less than what is owed of not less than what the vehicle is worth.