davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

I opened an auto loan finance account with Ally Financial in XX/XX/XXXX. In the 6th month of payments, I began to pay slightly over the amount due- rounding up to the nearest hundred. ( Original Payment {$570.00}, began to pay {$600.00} or more, believing {$24.00} would be applied to the principal balance, it was not ). I called Ally Financial in early XXXX to inquire about this matter and was told it would be corrected. It never was. Fast forward to XX/XX/XXXX, and the following occurred : On or about XX/XX/XXXX interested buyers began to make offers to purchase my vehicle. As I entertained those offers, both myself and those interested buyers began to request payoff inquiries. On or about XX/XX/XXXX, I did indeed sell my vehicle to XXXX XXXX of XXXX XXXX. I called Ally Financial that day to inform Ally that I had sold the vehicle and to expect payment. Again on XX/XX/XXXX I began to communicate with Ally asking Ally to apply the payment to my account, as I had been tracking the payment, and I knew that it had been received. 

However, Ally Financial reported to XXXX Credit Bureau- and others- that I was 30 days past due in the month of XX/XX/XXXX. Ally Financial at that time, violated the Fair Credit Reporting Act with the extremely serious violation of false reporting. Upon this realization, I made calls and emails again to Ally Financial, as well as disputed this error on my credit. Ally Financial then provided false information to multiple Credit Bureaus, therefore causing the false information to remain on my credit report. This was another serious violation of the Fair Credit Reporting Act. 

Other evidence that supports my findings can easily be obtained from the XXXX which I have in my possession. The vehicle was sold at auction in the month of XX/XX/XXXX, and subsequently to an entirely new owner in the State of Georgia- all before Ally Financial reported the late payment to the Credit Bureaus XXXX Ally Financial has made no attempts to correct their error other than giving me case numbers for my inquiries. 

I have made several phone calls to Ally Auto. I have emailed Ally Auto. I have sent Ally Auto a certified mail piece informing them of my intent to pursue legal action. Ally Auto has taken almost three months to respond. They have changed dates which do not correspond with the information reported to the credit bureau.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (OH)

Case # XXXX My online acess with Penfed Credit Union was blocked for suspected fraud. I have a checking account and a joint savings account with my husband. I called and verified the transactions. I was not allowed to speak directly with the fraud department. The person filled out a report and said someone would be in contact with me. When I didn't hear anything back, I called again and was told I needed to submit a bank statement. The transfers were made to an app that does not generate bank statements. 

I took screenshots that showed the transactions in question along with the name, account number, and routing number, I uploaded those to the website url I was given. Per the website I was told I'd hear back within XXXX hours. I did not hear back, so contacted them again. I received an email that the documents were forwarded to the appropriate department for review and I would hear back in XXXX hours. 

I still have not heard back, can not access my online banking, or any funds. I have never had issues verifying transactions with any banking institution until now.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed the Chapter XXXX Bankruptcy that is on my credit report with Equifax and they did an investigation and after 1 days time I received a response from Equifax stating the investigation was complete and the report was accurate. I called the Federal Bankruptcy Court in XXXX and I was advised that once they report it to the XXXX credit reporting agencies they do not report it again or ever update it. I was told by Equifax that the info was obtained from XXXX. I called them and they removed all information from their database. I again filed another dispute and received the exact information from Equifax that the information was verified through XXXX but I never told Equifax that XXXX had removed all the info on the bankruptcy a moth prior to me filing the second dispute. I asked them to remove it from my file since it could not be verified through their contact XXXX and they refused to remove it so they are reporting this under false pretenses.
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Leviton Law Firm, Ltd. (FL)

I was contacted by Levinton Law XXXX over a debt I owed with their client XXXX. Over the course of the past year I have attempted to make payments of {$300.00} per month to pay down my balance I owe. Each time, my balance has never gone down. I asked for receipts and they would not give them to me. They also would not give me a summary showing my payoff and each time the price would not go down. They have threatened to arrest me, to put me in prison, sue me and constantly abuse me. Today, they called to ask me to make a payment. They asked me if i can agree to take payments of {$50.00} per month and when I agree they stated OH you dont agree. I dont understand these mind games. I am just trying to pay my debt to power pay. I shouldnt be forced to deal with these ridiculous collection tactics. Over the last few months I have been unable to make a payment but offered several times to make some sort of a payment and each time I was told to pay in full the whole amount. It was not until I complained to power pay that I even got my real balance. They refuse to put any sort of payment arrangement in writing. It is like they are just gunning to sue me. When i tell them to stop writing me they continue to do it. They also threat to seize all my property and sell it at auction.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

I missed a payment on this card and they turned it off. In XXXX I called to find out what the pay off balance was on the card. I made that payment. Got a notification that i still owed money the next month. I made that payment as well. Somehow they are still saying I owe {$150.00}.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have two collection accounts that do not belong to me. These accounts were open in XXXX, Kentucky. I have never resided outside of California. I called I.C. SYSTEM, INC and asked that they to remove these. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX {$740.00} Balance updated XX/XX/2021 I.C. SYSTEM, INC Original creditor : XXXX XXXX {$920.00} Balance updated XX/XX/2021 XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened an account on XX/XX/XXXX with XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate
Consumer complaint received 2019-05-25
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: CITIBANK, N.A. ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Cbna Inquiry from XX/XX/XXXX Cbna Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Mortgage. They stopped sending me bills. I always pay my bill right when I receive it in the mail. They went 2 months without sending it. I did not sign up for paperless statements, and was not contacted by Chase saying they were making me go paperless. I had an XXXX credit score, and enough money in my savings account to completely pay off the loan. At the same time I didn't realize I hadn't received my bill, therefore out of sight out of mind. My parents in Kansas both came down with XXXX, and my mom who can't XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to fly to Kansas and was there for almost a month, during which time my dad died from XXXX, and we had to move my mom to XXXX XXXX, and pack up their house and move their stuff out. During this time, I was completely consumed by my family emergency, and the loss of my dad. I was not contacted once during this time by chase to let me know they had not received my XXXX payment. I came back for 1 week XXXX there was nothing in my mailbox. And I had assumed I had paid every bill that had arrived. I flew back to Kansas to finish helping my mom. I flew home XX/XX/10. It was at this time that I received a letter stating that chase hadn't got my XXXX or XXXX loan payment. I paid both months immediately, and called chase to explain the situation. I was assured numerous times on the phone call it would not be reported to my credit report. Fast forward to XXXX credit report. It dropped from XXXX to XXXX in one month because chase did report it to my credit report. I have logged over 8 hours on hold and speaking with agents at Chase to resolve this. I have been given a different story by multiple agents, mis information, and bold face lied to. I finally requested them to pull the recorded phone call so they could hear for themselves what I was told. After 2 weeks of waiting for their 24 to 72 hour review, I was told they couldn't find the recording. 2 weeks later I was called, and told they had reviewed the " missing '' call and it didn't say anything about my late payment and not reporting it. I have finally been escalated to the executive office of Chase to A research analyst named XXXX. I have know idea how much longer this can go on. In the meantime, they raised my loan from {$3400.00} a month to {$3900.00}. They state that an escrow review required it. I've tried to get to the bottom of that too to no avail. My taxes have not gone up. My insurance changed by {$200.00} a month. This doesn't warrant 30 years of {$430.00} more monthly. Chase has been an absolute nightmare to deal with. Please help.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

This mortgage is with PHH. Our previous complaint number was XXXXXXXX XXXXXXXX. 
I did not answer back on that complaint because to me their response was more of the same untruths that I had seen in other letters to the Attorney General. My life experience is very different from what they have in their response. But this complaint is to finalize my experience with them and I need your help. This proves that they are fraudulent as I have said all along. 

I offered them a payoff on the home of {$100000.00} on XXXX XXXX. They needed over 4 weeks to get another appraisal on the home before they turned that down. That is what I owed when the mortgage CLOSED in XX/XX/XXXX. ( We had hired a lawyer to sue Ocwen/PHH for fraud and he actually turned out to be fraudulent as well. He NEVER gave us ONE document that the mortgage company gave him from XX/XX/XXXX till we received the ACT 91 notice in XXXX XXXX including their loan modification offer to this day ). Unfortunately, they were continuing to add on to the CLOSED mortgage every month through the pandemic.for the past two years. 

XXXX XXXX XXXX, who gave me the refusal, also suggested to offer {$110000.00} which I did. It took them till XXXX XXXX, to turn that offer down. They sent several letters for extension saying they had to do research and I had a complaint???? ( don't know what that was ). I had asked for an answer by XXXX so that we would be able to enjoy our last family XXXX together as my mother has XXXX  XXXX and I had been in and out of the ER and doctor 's offices because I could no longer keep my food down without medicine and extreme pain. The doctors finally deduced this was due to the mortgage stress and loss of income due to attendance at the events we do for a living because of the virus and a severe loss of income. So XXXX was a hellish month for myself and my husband instead of one of holiday joy. 

Then XX/XX/XXXX, we received an email from XXXX XXXX, who has always been amiable, saying that our {$110000.00} offer was unacceptable and the " investor '' wanted the full amount of {$130000.00}. Our original mortgage in XXXX was {$140000.00}. We received {$10000.00} in principal credit through the HAMP program from President Obama 's program, so the " investor '' is giving us credit on 3 MONTHS of mortgage payments that we made during 15 YEARS of making payments. XXXX XXXX gave us until XXXX XXXX to obtain the additional {$16000.00} in funds. However, this past Friday, the XXXX of XXXX, we received a letter dated XX/XX/XXXX that they have hired a lawyer and STARTED the FORECLOSURE process on us. I had told her all along the 14 months that we have been communicating that I wanted to avoid that at all costs. At no point in her email to us did she say that she was going to foreclose on us before XXXX XXXX. 
She NEVER SAID that we had to overnight {$130000.00} to avoid the FORECLOSURE process. We want that FORECLOSURE process STOPPED NOW!!!!
Consumer complaint received 2021-10-28
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: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/2020 {$20000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Consumer complaint received 2021-10-28
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. (NV)

XXXX XXXX says my credit score is XXXX When I go to Experian it say XXXX I want a paper copy sent to me in full detail. 
I paid off a car in XXXX
Consumer complaint received 2021-10-28
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: Convergent Resources, Inc. (TX)

I believe that Under Title 15 Chapter XXXX, Convergent Outsourcing Inc is responsible for individual actions Pursuant to FCRA, FDCPA, and TILA. Additionally, they are guilty of copyright infringement and my right to privacy is being violated. I have not ever contracted with or given my consent to contract with this third party company.
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (MI)

I have repeatedly asked EXPERIAN to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you. 
XX/XX/2019 XX/XX/2019 XX/XX/2019
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (PA)

I just received a letter from XXXX XXXX XXXX about a Gym membership collection from XXXX XXXX XXXX in XXXXXXXX XXXXXXXX XXXX  I had cancelled the gym membership with the company, and they continued to charge me for the gym membership. 


XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to XXXX XXXX, I wanted to cancel my membership as I am moving to XXXX, also I noticed I was charged XXXX for XXXX, can you explain that charge, and help me cancel my membership. Thanks! 

-- XXXX  XXXX XXXX Teacher | XXXX  Coach " Relentlessly pursue your goals '' XXXX XXXX XXXX Wed, XX/XX/2020, XXXX XXXX to me Hey XXXX, The additional $ 40+ is the annual fee. It is a charge that everyone pays, two months after joining the gym. 

As for the cancellation, I will pass your info off to the membership advisors to process. Generally, there is a 30-day cancellation policy if youre on the month to month agreement, so you may have to pay for one more month. 

I hope you have safe travels, and thanks for checking out XXXX XXXX. 

Regards, -- XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX My message a received from the employee, then they continued to charge me for the next few months when I had cancelled this membership. I had moved and was not going to use the gym after I signed up for a monthly membership. This debt is fraudulent, and should not be reflected on my credit!
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (IL)

I originally applied to refinance my mortgage with Flagstar Bank on or about XX/XX/XXXX. The original loan estimate was for a {$640000.00} mortgage at 3.125 % with XXXX points. I have responded to every request for documents, usually within an hour or two of the request. My credit is very good ( XXXX  score around 750 ) and we got a good appraisal of {$850000.00} dated XX/XX/XXXX. On that date the only thing we were waiting on was the appraisal, and when that was delivered I thought the closing was imminent. Because of delays and apparent understaffing, mismanagement or incompetence at Flagstar Bank, however, no closing occurred and that original mortgage morphed into a {$640000.00} mortgage at 3.25 % with XXXX points, and now they are offering a jumbo mortgage of {$680000.00} at 4 %. I have been very diligent in communicating with them, and usually I must wait a week until I hear back from them, if ever. I have left numerous phone calls that have not been answered. I believe I have missed the best opportunity to refinance my mortgage and get in a better position financially because of Flagstar Bank 's incompetence, mismanagement or incompetence. Their online tracking tool originally showed a closing date of XX/XX/XXXX, then XX/XX/XXXX, and now here I am a week later and there is still no closing in sight. I am hereby requesting your assistance to get my mortgage refinance completed at something approaching the original terms.
Consumer complaint received 2021-10-28
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-28
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. (OH)

I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.