davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX, I purchased a vehicle that was financed through Ally Financial. My first car payment was due at the end of XXXX. When my car payment was due the government shutdown occurred and I was without pay until XX/XX/XXXX. I immediately contacted Ally Financial to let them know I could not make my car payment. They were SO understanding and offered a 90-day payment deferment until XX/XX/XXXX. I felt so relieved! They only explained to me that my payment was deferred and my payment would have a new due date. When the new due date approached I checked my account and found out the car loan was WELL beyond what the loan was. They charged me 20 % interest every single day that I was unable to make the payment due to the shutdown. They made it seem like they were helping me. The loan amount originally came to slightly over {$20000.00}. To date, I have paid them over {$3500.00}. In XX/XX/XXXX, the vehicle was totaled in a car accident. My insurance company paid Ally Financial {$19000.00}. My gap insurance paid Ally Financial {$410.00}. To this day, Ally Financial is reporting that I still owe them {$1700.00} because they charged me unknown fees when my vehicle was paid off. They are demanding I continue making {$500.00} payments and even harassing me at my work to get payment from me. They have received well over what my loan was worth. They are being completely unwavering and unwilling to settle this debt. I think it is unfair and unjust that they are collecting profit from a situation I had absolutely no control over. They offered a solution by deferring the payment only to cause me a hefty price to pay for it. I really need some help to resolve this matter because no one in Ally Financial sees how unfair it is that they are coming after me for a debt I do not owe. They are reporting me as late and have been reporting me as late on my credit report since the vehicle was totaled because I did not make a payment knowing the car was totaled and insurance was going to give them close to what the loan was worth. I thought that would take car of the amount owed and the debt would be paid but they still came up with a way to try to force more money out of me. I work for a federal agency and they are harassing me on my work government phone line as well. I have attached the gap insurance findings. As you can see, the balance when the car was totaled was less than $ 20k. They were paid out for the car but they are still reporting that I owe {$1700.00} and they are calling and emailing me to collect a {$490.00} payment from me. Please help.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (OH)

We was contacted by XXXX XXXX from Nations Mortgage Advisors on XXXX XXXX told me have you heard that the interest rate has dropped to 2.99. I told him I didnt think we could do anything because we refinanced on XXXX XXXX. XXXX had me fax over W2 and Leanders copy of information and he would take a look. XXXX called me on XXXX XXXX sent me over information with a financial worksheet to fill out and mail back with XXXX retainer fee for title search and appraisal cost and so on. We filled out the information sent it in the mail with the check to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  CA XXXX on XXXX XXXX. XXXX called me on XXXX XXXX told me he got everything and will get back with us after XXXX. After XXXX we talked back and forth on XXXX XXXX XXXX had me talk to XXXX XXXX XXXX told me after reviewing our information he suggested we go through remodification of the equity loan. XXXX said he called our XXXX XXXX  for the equity and said they will accept 10 % of Forgivness. XXXX said we needed to pay Nations Mortgage Advisors fill out the forms and send check of XXXX. My husband submitted paperwork into 401K to pay the money for XXXX. I put the money in the bank on XXXX XXXX. XXXX worked up the forms for us to sign emailed it to me. My husband and I filled out the information and mailed the check on XXXX XXXX certified mail with tracking #. Nations Mortgage Advisors funds Department received it on XXXX XXXX. XXXX XXXX the check cleared I could get hold of someone in the office until XXXX XXXX then no one would answer there phones or call me back. On XXXX XXXX I called the office again and left a message that my husband and I was cancelling XXXX XXXX I faxed cancellation letter in and on XXXX XXXX I sent certified letter of cancellation. We had talked to the XXXX XXXX  XXXX  that we had they didnt get any calls or received any money for our loan. We feel we have been scammed.
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I went to the Union Bank branch in XXXX, CA to close my checking account as the bank 's products and services do not meet my needs at this time. The branch manager told me the teller could close it. I sat down at the teller window and the teller said " okay its closed '' and I left. 
The account was still reflecting as open online so I called the 1800 number and the rep confirmed the account had not been closed. The rep on the phone said he would close it. 
The account is still showing as open online today.
Consumer complaint received 2020-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

I am being charged for payment " reversals '' which are issues between the bank and Freedom Mortgage. Neither the bank or Freedom Mortgage can explain why these payments were reversed. In addition, for every reversal fee of {$25.00} they are tacking on a " property inspection fee '' of {$25.00} every time there is a reversal. They say this is because they send an inspector to ensure the property has not been abandoned. I was charged for 4 property inspections in the space of two months.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via docusign to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX  or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX is falsely reporting a delinquent balance of {$3100.00} to Equifax, XXXX, and XXXX. I do not owe this debt. I have made several attempts to resolve this issue with XXXX XXXX, Equifax, XXXX, and XXXX.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NC)

I've a totally XXXX son XXXX yrs of age, my ex-wife was his legal guardian but past away unexpectedly XX/XX/2022. Myself his father and current wife have since been appointed by the court of XXXX XXXX WI as his new legal guardian 's we've provided Chase Bank with copies of the court documents and copy of her death certificate including copies of her guardianship. We currently reside in XXXX NC and are trying to get my son relocated to NC from WI, he's currently in a XXXX XXXX  due his condition, he has severe XXXX XXXX unable to speak nor do anything for himself. We've made four trips to the Chase bank in XXXX NC over the past 3 month attempting to get his acct either transferred into our names or closed. It's a 40 minute drive one way from our home to the bank, they don't return phone calls and won't tell us why they won't approve our closing of the account or grant us access to it. We keep getting conflicting information from them. This has held up him getting his payments from social security. We've since opened an acct for him with us as his guardians at XXXX XXXX XXXX  and just now received a deposit from Social Security. 
However there's still an unknown amount of funds in the Chase bank checking account they're refusing to allow us access to. My wife and I have been trying since early XXXX to get his banking in order and are fed up with their lack of response to this issue, please help us because we don't understand why this is such a problem with them and it's gone on far too long, my son needs his money to help cover the cost of transport here to NC to be closer to us. Thanks in advance for any and all assistance you may provide,
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XX/XX/2021, I transferred XXXX USD via Wise. I entered a number incorrectly in the recipient account number. When I wanted to cancel the transaction, I couldn't. I sent an e-mail to Wise. They said they would fix it in 10 days. But two weeks later, my money has not been refunded and they said the money was sent to the wrong recipient account and they couldn't fix the problem. Although the name and routing number of the recipient I sent were incompatible. Wise wanted me to make the transfer and take this mistake on me. I need you to assist. Thank you.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

HI kohls/capitalone ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter dated XX/XX/2021 to Equifax requesting the accounts showing on my credit report for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  be validated or removed. These items remained on my report after their 30 day investigation. I sent another dispute letter dated XX/XX/2021 to XXXX  requesting verifiable proof of these alleged debts including the original contracts with my signature to show that i am responsible for these alleged debts. As of today, XX/XX/2021, I have not received anything in writing to show I am responsible for these alleged debts. According to the FCRA Section 609, I am entitled to receive the requested information including proof of the debt and how Equifax verified the alleged debts. Because Equifax has not provided the requested information and Equifax continues to report this unverified information, my rights as a consumer are being violated. I am requesting that Equifax provide me with the requested verifiable proof that these alleged debts belong to me or remove the accounts showing for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  from my credit report immediately. Without verifiable proof, any one can send Equifax accounts and say they are mine.
Consumer complaint received 2023-02-10
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: LEXISNEXIS (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1681 Section 602 States I have the rights to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (GA)

Around XX/XX/2019 I've submitted my dispute letters to XXXX, XXXX XXXX, and XXXX, but also the collection agency NCB Management Services Incorporated.. XX/XX/2019 I received a letter of correspondence from NCB stating that my concerns will be reviewed yet the item is still on my XXXX   report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XX/XX/XXXX XX/XX/XXXX credit update as proof that the account has been closed.
Consumer complaint received 2023-02-10
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

XXXX XXXX is reporting a repossession on my credit reports. After reviewing my credit report, I took it upon myself to dispute this inaccurate account with the credit bureaus as well as directly with XXXX XXXX. The tracking on my dispute is showing as delivered yet I still have not received any documentation from XXXX concerning this account. Per the consumer laws, after receiving a dispute request, that consumer reporting company must acknowledge and complete an investigation. It seems perhaps my concerns have been ignore and this is a violation of my rights! I am requesting that this account is deleted from my credit report and all documents pertaining to this account be mailed to me.
Consumer complaint received 2022-10-15
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-03
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. (FL)

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There has not been a response to my disputes on XX/XX/XXXX nor XX/XX/
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have never agreed or consented to XXXX or to XXXX XXXX reporting any private information to any credit bureaus at all verbally or written it is against the law for XXXX to share or publish any private information also they are responsible because they purchased the contract it isn't owned by the dealership at all XXXX XXXX wrote contact up and XXXX purchased contract knowing it was against federal law XXXX can't use dealership as scape goat they purchased a fraudulent contract more guilty than the company who wrote contract 15 u.s code 1611 criminal liability for willful and knowing violation giving false or inaccurate information