davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/22, I requested by phone Ally Bank transfer {$930.00} of interest from a High Yield 5-year CD to an account at another bank. I was told it would be done within 5 days. It never happened. 

On XX/XX/22, I called back, received an apology from employee XXXX and promised it would be taken care of that day and I would receive number showing it has taken place. I received reference # XXXX ; however, again nothing was done, no transfer. 

On XX/XX/22 I called for the 3rd time and requested a supervisor. I spoke with XXXX, who promised the transaction would be completed by the next day and that I would receive either a call or email confirming. I was not contacted and again nothing happened. 

I then called again on XX/XX/22 and spoke with XXXX ( from the Leadership Team ), who promised this would be immediately taken care of and I would be notified by the next day regarding the completion of transfer. Again, I have heard nothing, and no transfer has been started.
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (IL)

I noticed 2 collection accounts on my credit report by State Collections for {$200.00} and another one for about {$1200.00}. When I noticed one of them, and before the other one appeared, I attempted to resolve the  matter by setting up a payment arrangement. I provided my banking information to this agency but there were no debits from my account I did everything I could possibly do to prevent the listing from hitting my credit report but this agency failed to start the payment arrangement prior to listing. I want these debts off of my credit report because I made every attempt to pay prior to listing.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (MS)

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-18
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (CA)

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 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 : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, I had trouble using my pin to temporarily unlock the credit freeze on my Experian account. I had the pin number, but in spite of repeated tries, the pin number wasn't being recognized. I made a total of XXXX phone calls to Experian to XXXX different phone numbers ( one given to me by the utility company and two that I found online ). Each time I was connected to an identical automated system. Sometimes the system did not recognize the numbers I entered on the keypad of my XXXX. Sometimes it did not recognize my voice. When I was able to get past the identification portion of the call, it sent me down an endless rabbit hole of automated options. When I asked to speak to an agent, it said it was " connecting to a XXXX '' and then began another round of automated options. I was never able to reach a live person. Finally on the third or fourth try, the website DID recognize my pin number ( which I was copying and pasting, not typing in, so it wasn't a question of my typing it incorrectly ) and let me temporarily unfreeze my account. 

It should be illegal for a company that exercises almost complete control over whether I can open accounts, move my utility services, etc., to make it impossible to reach a live person.
Consumer complaint received 2022-03-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX of 2022 we refinanced our mortgage with XXXX XXXX. Our previous mortgage lender lake view loan servicing sent our escrow balance to our previous address and wont correct their error for another 30 days. By that point it will have been 60 days since our loan has been paid off and that does not include the time it will take for the check to arrive. I have called them to correct this however, they refuse to resolve it any sooner.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX
Consumer complaint received 2022-03-18
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over XXXXtransunion  has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2024, I wrote to XXXX XXXX to indicate I had been making payments on the credit card to the creditor, Bank of America, while my account was in collections at XXXX XXXX. XXXX XXXX sent me the attached letter and CFPB closed the dispute before I could respond. I have proof that I have made payments directly to the creditor, Bank of America, that are not included in the list of payments that were received by XXXX XXXX This means that there are a set of payments that have never been applied to my credit card account. I have attached the list of payments provided to me by XXXX XXXX, which were received by them. However, in this list, there are payments ( which are also individually attached ) that are not included in this list. This means these payments were never applied to my balance. I want these payments applied to the balance and this account should be taken out of collections, because I was making these payments when this account was transferred to XXXX XXXX. It is illegal or this account should never have been transferred to XXXX XXXX while I was making my payments to Bank of America.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I had a Citi XXXX XXXX XXXX XXXX credit card before, and I called Citi last XXXX and did a product change to Citi XXXX credit card. I was told that all points earned from XXXX XXXX XXXX XXXX card needs to be redeemed or transferred out before 90 days after the product change, otherwise they will be forfeited. I am aware of the policy, so no problem. 

After that, I tried to figure out the exact amount of points which would be forfeited so I can use them. Since all my credit cards are linked to the same XXXX account, I couldn't find anything on the website, so I called XXXX customer service, and asked the question. I was told the amount was XXXX thousands-ish points, so I transferred XXXX points out. 

Then coming this XXXX, suddenly I found out that I lost XXXX points from my XXXX account. I called their customer service, and was told the points were forfeited because of account closure. I told them the whole story, and insisted to talk with a supervisor on this. Since then, I've had multiple cases open, and XXXX of the supervisors was very friendly and tried to help me reinstate the points, but couldn't do it because of access limitation. 

I called them today again for my ( probably ) third ticket on this. ( Case number XXXX ) The representative told me she understands my situation and was very sorry, but the team handling my case wouldn't reinstate my points for me. The points worth at least {$1100.00}. 

In summary, I did everything right within my ability, but lost my XXXX points because XXXX  customer service told me incorrect information.
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car. 

Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan. 

The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront. 

Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me. 

I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

XXXX XXXX XXXX has called me and my workplace multiple times throughout day and refuse to stop. Debt was paid in 2008 and has evidently been sold repeatedly and more fees tacked on. They are also threatening whoever answers phone at workplace to deliver messages. When I called XXXX XXXX XXXX they denied calls and said it was delivery service and not them yet that is how I got their number and reference number.
Consumer complaint received 2022-03-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Wells Fargo decided to enrich itself by stealing then lying to everyone. I was paying off people 's loans to help them get out of debt & not end up on the streets. 

Wells Fargo decided to keep the loan payoffs I made for people. It changed the loan numbers then sold the loans & auctioned home off anyway. 
I have no idea if XXXX is alive or not. The other was kept in debt buy this bank. 

The bank expects you the CFPB to do nothing about it. Since Wells Fargo & XXXX  XXXX XXXX decided to steal then lie, I chose to I document everything to show the Attorney General & White House. 44 asked questions. 45 didn't care 46 wants answers.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MI)

Account with Charter XXXX closed ( by Charter ) in XXXX. The CBE group filed an illegal delinquency credit report XXXX. Reported this to Credit Burreaus who had this removed. As of XXXX this claimed delinquincy has resurfaced on credit reports and demand for payment has been sent again by mail.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017, Equifax Inc.announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

According to www.equifaxsecurity2017.com, my credit report information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2015-09-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: First American Solutions, LLC (OH)

Keep receiving calls from First American Solutions, LLC about a payday loan from 2010, insisting I did not repay the loan. They do not give any details about the loan, just that you will be served papers and call them back immediately. I googled the number at XXXX, saw several online comments about this being a Scam company. They tell you if you do not respond within 48 hours you will be prosecuted and going to jail, threatening you.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
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
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-18
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.