davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

I am submitting this complaint in response to recent correspondence through the CFPB regarding the retail sales contract associated with my account. After carefully reviewing the documents provided by Ally Financial, I have serious concerns about potential fraudulent activity and the authenticity of the contract in question. 

Upon closer examination, I do not recall signing a retail sales contract directly with Ally Financial. However, I did enter into a contract with XXXX XXXX. It appears that my signature from the contract with XXXX XXXX has been forged onto the retail sales contract presented by Ally Financial. I have attached a copy of the revocation letter sent to both Ally Financial and XXXX XXXX, which clearly states the rescission of security interest, proceeds, power of attorney, and any other agreements signed. 

Furthermore, the full amount was received by Ally Financial under what appears to be false pretenses, facilitated by the unauthorized use of my XXXX XXXX XXXXXXXX and forged signature. This entire transaction raises serious questions about the integrity of the process and Ally Financial 's compliance with legal and ethical standards. 

I must express my disappointment and frustration with the handling of this matter by Ally Financial. Despite my repeated attempts to resolve this issue, I have been met with disregard, disrespect, and a lack of cooperation from your team. It is evident that Ally Financial is failing to uphold its fiduciary duties and obligations to its customers. I strongly believe my rights under the Truth in Lending Act have been violated.
Consumer complaint received 2021-01-29
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: JPMORGAN CHASE & CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB AUTO FINANCE Inquiry : XX/XX/2019, XX/XX/XXXX Inquiry : XX/XX/2019, XXXX XXXX Inquiry : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My bank sent a payment that would have brought all 3 of my Capital One credit cards current. Capital One just applied it to one account. I called on XX/XX/21 and the representative said they couldn't divide the payment up and apply it to all 3 accounts and would mail my payment back to me. I asked for a supervisor because the other 2 accounts were going to come due and asked if they could possibly freeze the accounts so I wasn't due another payment, interest, and late charges/fees. The manager said she would document the accounts since I was waiting on the payment to come back through the mail. The call ended while I was on the phone with her. I called today, XX/XX/21, because I noticed the payment was never sent back to me and that the other 2 accounts were hit with fees and another payment. I called and the guy said he didn't know why they couldn't have divided my payments since they do it all the time and passed me to his supervisor. His supervisor said the payment was sent out today and would take 10-15 days for me to receive it and there was nothing she could do about the other 2 accounts in fixing the payment that was occurring or the fees or late charges. She was unhelpful in helping me try to resolve the situation and said I could file a complaint if I wasn't happy. I mailed a payment of {$6000.00} that hit my account originally on XX/XX/21.
Consumer complaint received 2019-06-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (IL)

I am looking to refinance my VA Mortgage. I contacted Sovereign Lending Group, filled out an application with them and received an offer. After more research I decided to go with another company for a better deal. Sovereign has called me at least six times and every time I tell them I am going with another company. The last two times I have asked them to delete my personal information from their system and to stop calling me. I do not have the dates/times/or numbers that they called me from as at the time I didn't think that I needed to track it. Yesterday ( XX/XX/19 ) I received an email indicating that they still have my information in their system. I am responding again to ask them to delete my information but given their past actions I have zero confidence that they will actually do it, hence this complaint. 

This is the email : Dear Mr. XXXX, My name is XXXX XXXX and I am a licensed loan agent with Sovereign Lending Group in the retention department. I am following up with an application or inquiry you had made recently regarding a refinance of your mortgage loan. 

Interest rate : 3.75 % Skip mortgage payment : XX/XX/XXXX/XX/XX/XXXX Cash out : {$400.00} Please let me know what I can change to earn your business today. You can reach me at Direct line : XXXX Cell : XXXX ( text ) Thank you, XXXX XXXX NMLS : XXXX Mortgage Loan Originator Sovereign Lending Group XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Direct | ( XXXX ) XXXX eFax | ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NM)

SEE CFPB Complaint : XXXX. Originally called the mortgage company and filed a complaint. They then deleted a bunch of payments and applied them EVEN more incorrectly. Causing me to incur HIGHER interest payments due to them applying the payments to the principal on XX/XX/2020 verses when they were actually done several MONTHS ago. I can NOT comprehend why this is so difficult for them unless they have monkeys working there. I have attached the original attachments and the new payment history to show the FRAUD this company is attempting to do to my loan. SEE cfpb Complaint : XXXX for original details at issue here.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-04
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Bank/XXXX  Visa The Account Opened is Comenity Bank/XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

*I lost almost XXXX credit score due to Comenity Capital Bank 's mishandling* Between XXXX and XX/XX/2022 I went to XXXX XXXX XXXXXXXX ATM to pay back my credit card balance in cash as usual. This time the ATM rejected my card to my shocking surprise. Later on I learned that my credit card and it's all services were handed over to Comenity Capital Bank ( the new merchant ) without my consent. I made a phone call to the new merchant who was now handling my credit card service and he assured me that I will not be charged the late fee at this time if I made the full payment of the " amount due '' ; because he understood my situation. I made the complete payment of balance and he assured me I am all set and nothing is due on me. After 1 or 2 months between XXXX and XX/XX/2022 the new merchant kept on charging me late fee, thereby violating the communication I had with the merchant. I asked them to get the record of the phone call and make sure the agent clearly told me that I will not be charged any late fee or interest, but they said they did not have the record while clearly on the start of the every phone call the hair a voice saying the call will be recorded. They kept on increasingly charging the late fee of non-payment of the unfair late fee. 
Despite knowing it is unfair, I made the payment of all those wrong charges in order to stop the chain reaction of the late fee of the wrong late fee. 
I made several phone calls to them asking them to resolve the issue and pay me back all the wrong charges they did. There was no response for many months. The biggest XXXX I have right now is the loss of my almost XXXX points in my credit score XXXX them reporting to the credit bureau of my non-payments which were unfair and already wrong. The total wrong payments, if I remember correctly, are under {$100.00}. But I repeat my biggest concern is the loss of my credit score.
Consumer complaint received 2019-06-07
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: CITIBANK, N.A. (FL)

We had a front door installed with a charge date of XX/XX/19 in the amount of {$2600.00}. The actual installation took place early in XX/XX/2019. At that time when the installation was completed we responded to Home Depot the door seller and installer that we were unhappy with the installation and that we were filing a dispute with Citi ( the credit card company where we charged the door and installation ) in the amount of {$650.00}. This is the cost of the installation charged by Home Depot.  The door itself was very nice and we had no issue with the door. We were then contacted by Home Depot where we explained that the moulding around the door that we paid for was the wrong size and did not cover their work. In addition, the door threshold looked like a 2x4 ( unsightly ) and was dangerous in that someone could easily trip over it. A Home Depot representative said he would talk to his manager -  nobody ever called back or re-contacted us. I have enclosed pictures of the problems also sent to Citi. I  also sent letters to Citi ( enclosed ). The only response during this whole issue from Home Depot was that we could not dispute the charge because we picked up the merchandise which we then proved was untrue ( documents enclosed - the installer delivered the door on the date of the installation ). Citi then  sent us a letter requesting additional information by XX/XX/2019 which we sent by XX/XX/2019 ( documents enclosed ). After that Citi having received all of this information ( pictures, letters, documentation ) sent a final letter indicating we should go to Home Depot or other means to obtain the credit ( letter enclosed ). In summary, it appears Citi never had any intention of assisting us and it does appear to me that Citi must have some kind of special relationship with Home Depot. It does not appear that Citi takes the dispute process seriously.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Please be advised I have submitted numerous disputes to PRA regarding a fraudulent account they are continuously reporting to the credit bureaus. They have violated my rights to dispute the fraudulent account by sending letters to the wrong address knowingly I lived out of the state and then had the audacity to respond to my CFPB complaints stating I didnt take the opportunity to dispute. The latest of their shenanigans is attaching letters in a foreign language so why send letters in a foreign language? You clearly know I speak and read English and its my only language. PRA has been purposely, maliciously attempting to collect a debt that clearly hasnt been validated by any means and in the process has broken many laws in their attempt. 

Please see enclosed my letters in reference to this matter.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (CA)

On three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was denied housing because of inaccurate information provided by Corelogic in my background/rental history report. There is a Judgment in the amount of {$2500.00} on my rental history. I have made payments to XXXX XXXX totaling {$1500.00} and my balance does not reflect that so potential landlords are holding this against me and I am unable to rent an apartment. Please help me get this corrected before I am homeless.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and proceed with any corrections or remove this from my personal file.
Consumer complaint received 2021-02-04
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. (NJ)

I've requested numerous times for Trans Union to investigate the accounts they have negatively reporting against my file. They state in their comments they completed the investigation and it meets the FCRA. 

Well it does not meet the FCRA or FDCPA. 

They continue to report an alleged collection account as being opened, Past due balance, high balance. 

XXXX XXXX XXXX & XXXX Please see the attached proof.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX of 2023 an associate of mine sent me funds of {$200.00} and {$300.00} through XXXX as a payment. This associate later on and reported that they did not send the money to their bank. As a result my XXXX was XXXX. I have sent WellsFargo proof that the payments are valid with the person name as well as $ amounts. WellsFargo has not provided me with proof of an investigation or any findings that the money was NOT sent from the associate of mine. I feel if they reported this to their bank their XXXX should be XXXX, not mine. I did not commit anything fraudulent and have provided proof the payments were valid. 

Im requesting for me XXXX to be activated so I can transfer send and receive MY money freely as I have been for years
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

So I received an offer from capital one on my email saying Im approve for a wal-mart rewards credit card. I applied for it because I was told Im approve then, As my application process online, I get a notification saying I have an inquiry towards my credit. From my understanding I got approved then I applied and Im assuming they denied my application. If thats the case then I would have never applied, false advertisement.
Consumer complaint received 2021-11-10
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 (IL)

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.
Consumer complaint received 2019-06-07
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. (GA)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX  several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX ( XXXX  ) # XXXX  account number. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2019-06-07
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. (TX)

In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( XXXX, Transunion, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for XXXX, Transunion, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, XXXX, and Transunion still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

DEPT OF ED/XXXX- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Consumer complaint received 2021-01-25
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. (IL)

I summited disputes on two companies, XXXX  XXXX XXXX and XXXX XXXX. The dates that they were summited is as follow, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.