davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.
Consumer complaint received 2018-08-30
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. (MD)

1 ) XXXX  XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX,, XXXX, XXXX, XXXX. {$540.00} ; {$540.00} ; {$1300.00} ; {$300.00} PLACED FOR COLLECTION : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I contacted XXXX Er Specialists on Tel : ( XXXX ) XXXX. I spoke to XXXX XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows I owed those four bills posted on my credit reports. XXXX XXXX, XXXX refused to talk to me. I did not receive any document from them. 
2 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, the XXXX XXXX XXXX and XXXX XXXX XXXX. 
3 ) XXXX XXXX XXXX ACCOUNT # : XXXX ; {$600.00} Enclosed is the letter from XXXX XXXX that account has been paid in full. 
4 ) XXXX XXXX ACCOUNT # : XXXX ; {$530.00} My daughter XXXX XXXX signed 2 yrs contract with XXXX and I assumed the contract. Contract expired and equipment returned. XXXX XXXX  needs to produce signed contract for my daughter and I. The document produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed. There was no early termination, the account was assumed by me from my daughter. 
5 ) XXXX ACCOUNT # : XXXX The collection department rep, XXXX XXXX claimed he was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX XXXX number XXXX. 
6 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; {$7700.00} This company made payment arrangement with me and at the same time maliciously contacted the repo. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XXXX brand new purchased by me in XXXX. XXXX XXXX then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00} enclosed is their letter. The bill of {$7700.00} was not mine. It belongs to someone else. Equifax and TransUnion have deleted the information on my report but Experian still keeping it. 

XXXX XXXX ACCOUNT XXXX I left the apartment early than what XXXX XXXX statement specified. My rent is paid. Unknown bill in the XXXX XXXX XXXX statement. 

Collections and the other creditors proximate actions have caused me the following : Credit damage ; a lifetime of credit rejections ; inability to enjoy life such as buying a house ; emotional, financial and psychological pains. 

This is an attempt to correct my credit reports with the three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD   XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

My estranged spouse and I XXXX XXXX XXXX XXXX and had a joint business account with Wells Fargo. We both went in to the branch together and set up the account, we are both owners of the business. 

After he had to leave the home due to XXXX XXXX issues he went into the branch, the banker removed me from our account without my knowledge or permission. I am not only off of my business account, I am not even a customer at the bank now. I can not even access any banking records from before I was removed without consent. My husband is now in full control of the business finances, and not paying taxes. I have been completely destroyed by this and my credit and future are in serious danger, I am getting letters from the state and IRS and have no way to even begin to deal with the tax issue because I cant access any records. He was also allowed to open up a new account where I believe he hides the business income. 

I have made contact with several people at Wells Fargo and they all seem to know how bad this mistake has been and just seem to pass it along until they have now stopped returning my calls.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/18 I checked my XXXX  credit report. Capital One reports on the XXXX of each month. On XX/XX/2018, Capital One reported my balance as {$1900.00} when it was actually {$1700.00}. The {$1700.00} was reported to the other bureaus. When I spoke to a representitive on XX/XX/18, she told me that they had to dispute it with XXXX. Under the Fair Credit Reporting Act they shorted me {$230.00} on my payment to XXXX. She told me it could take up to XXXX days for it report correctly. The representative kept asking the same questions over and over. She had to put me on hold several to see if the problem could even be fixed and what she had to do. I can't be the first person she's spoken to about an incorrect amount reported to a credit bureau.This is ridiculous. All Capital One has to do is electronically submit the right amount of {$1700.00} for the same date of XX/XX/2018. Companies do it all the time if they make a mistake. Why would a credit card company dispute what they reported incorrectly. I want it fixed immediately. I as a consumer have the right to have my correct balance reported each month. Now I'm going to have to call XXXX  every month to see what Capital One is reporting. I have been a customer of Capital One for over 11 years, and I am very disappointed in the way they are handling my complaint.I find it very unprofessional. Capital One is fully aware of the Fair Credit Reporting Act.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (VA)

I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. 

Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. 

However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2019-01-09
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: TD BANK US HOLDING COMPANY (MI)

I have pulled my credit reports recently and have noticed 2 inquiries that I did not authorize the inquiries are as follows XXXX  Requested XX/XX/2017 XXXX XXXX Requested on XX/XX/2017
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XX/XX/2018, There was fraud on my account from XXXX and a XXXX ; sClub in the amount of totaling XXXX XXXX dollars. I did not make nor purchase from XXXX XXXX nor XXXX. I receive a letter from Capital One stating that they have completed their investigation on XX/XX/2018. I have called Capital one and they have stated that they have not completed their investigation, so I decided to file a compliant, because the company has a XXXX liability, but is not wanting to use it. So I decided to file a compliant. I spoke with a rep on XX/XX/2018 and stated to me that available amount of the fraud charges will be on my account on the XXXX of XXXX. But when I looked at my account I saw that their was no available accredit, nor did I see any credit for the fraud charges.
Consumer complaint received 2020-12-05
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (LA)

I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov.

I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, Experian, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AL)

PayPal has for no reason decided to ban my account and is holding my funds unnecessarily. 
I received an email stating You can no longer do business with PayPal ( Ref ID - XXXX ) The money was transferred from a friend mine. PayPal has no reason to illegal hold my funds for their personal float and making money. 
I am entitled to the money transfer and my ban to be removed as I have not committed any violation of their laws and agreements
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (OH)

I contacted Equifax on XX/XX/2018 for your inquiry in case # XXXX and again today XX/XX/XXXX, case number is XXXX # XXXX. 

I have never lived at this location and want it removed from my credit report immediately. 

Former XXXX XXXX XXXX XXXX ARIZONA XXXX
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2018-08-30
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: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.
Consumer complaint received 2022-07-09
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: ALLY FINANCIAL INC. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MA)

I received a bill from Chase with multiple charges for XXXX purchases. All charges were close but below {$100.00} some more than one per day. I called Chase and gave them info on XX/XX/2017 the same day i received the bill. On XXXX Chase called back and denied my fraud claim. After arguing with Chase they agreed to peruse the claim at the next level. That same day i filed a complaint with the XXXX XXXX Police Department complaint # XXXX.
Consumer complaint received 2018-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/18 : Credit Inquiry fro unauthorized source. 

I checked my credit report today and saw a hard pull on an inquiry from a company called XXXX. From doing some research it's XXXX, but I didn't request a new credit card. I already have an account with them in good standing for over 5 years and never requested a new card or an account.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian provided incorrect information to XXXX XXXX. The actual credit score in the credit report from Experian ( XXXX ) is different from what Experian had provided to XXXX XXXX ( XXXX ). XXXX XXXX  already investigated from their end and they just used the information that Experian had provided. Also, the credit score from Experian is much lower than the ones ( XXXX and XXXX ) from two other credit bureaus.
Consumer complaint received 2023-03-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

ive reprted multple times on my report that this account was open in fraud the company is XXXX wich the bank is bank of ameica its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXXXXXX buisness has removed it aswell XXXX and XXXX XXXX .but XXXX and bank of america XXXX adhere to my demands wiyh the proof of afidavid im demanding bankl of america and XXXX to remaoe this fruad account off of my report the account is XXXX open on XXXX XX/XX/2022
Consumer complaint received 2022-07-09
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: ONLINE Information Services, Inc. (FL)

In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER 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 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LNVN Funding could not substantiate the debt in court that it belongs to me and their case against me was Dismissed by a Judge. They have yet to prove the debt belong to me and continues to report to the credit agencies. Please assist me to get them to cease and desist. Thank you. 

LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2022-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In Accordance with the Fair Reporting act XXXX Account #, 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