davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (AL)

XX/XX/2024 : Requested {$56000.00} to be sent. Request was made after XXXX PM est and per Ally 's webpage, the wire would be sent the following business day. 

XX/XX/2024 : Wire changed to Review status XX/XX/2024 : Completed dry signing for a home purchase. 

XX/XX/2024 : Called Ally to ask where the money was. I informed them that we had to do a dry signing due to the delay in funds. 
XX/XX/2024 : Wire changed to Processing status with their website stating that the wire would be completed. 

XX/XX/2024 : Called Ally asking for update and had a case made in their internal system. No change. 

XX/XX/2024 : Called Ally asking for update. No change. 

I may lose the home I have already started moving into due to Ally 's lack of care for consumer well-being.
Consumer complaint received 2021-01-27
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. (NY)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CA)

My account has been restricted for about 40 days already by Upgrade/XXXX XXXX XXXX  XXXX I'm unable to access {$5500.00} in my savings. I've reached out to Upgrade several times. They have neither requested any documents nor give me as estimated time of resolution, keeping me in total dark. They just say 'they are not the department who is handling the issue '. And there appears to be no option to reach out 'the department ' either.
Consumer complaint received 2021-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have received a copy of my credit report and it shows company Capital One account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2700.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Cycle Associates, Inc. (GA)

This is truly False it is Identity theft I am being SCAMMED by these FAKE popup international own noncompliance call collection agency and by all laws of health care provider, no one has that rights to create false billing to cover their own personal lost this is creating false billing, XXXX XXXX XXXX XXXXhould not be permitted by law with selling My information for pennies when I do not owe this medical practice anything whatsoever. It is I am a individual patients who has been harass and do have the rights to file suit seeking to recover actual damages. 
I do not owe XXXX XXXX XXXX XXXXny medical payments THIS false claim co-pay or false claim deductible is Greed and to falsely share my information to a third party has violated my privacy this illegal practice of selling an individuals debt to another call third party is a SCAM seeking money wanting to damage my credit, violate my Rights to live freely as a Citizen of this Country. XXXX XXXX XXXX has sold all FALSE Reporting adverse information this is all about trying to damage my freedom to enjoy life My Constitutional Rights hoping to damage my credit, and force me to pay a falsely created bill. 

These individual who has created this false outstanding credit scale are these outsource FAKE Collection individuals seeking greed to falsely report to consumer credit reporting agencies or credit bureaus FALSE information, this is not true it is FAKE. Question here is why am I always a selected TARGET to be SCAMMED when I OWE NO one especially when All MY Medical Bill have been Paid and there is no outstanding I have Insurance and I pay all on time when told and needed CO-PAYS or Deductibles there is NONE. 
This is illegality to shared information that is falsely shared on co-pays or deductible violating my privacy when no additional payments were ever discussed before the schedule procedure this is truly a false claim from a third party who have no legal rights Under the federal Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not falsely collects debts owed to others. My information never should have any information on owing I owe no one this is cyber searching my medical life to damage my life and a SCAM. No one pays Co-Pay for Preventative medical NO ONE this was never discuss therefore, it is FALSE. 
The new health care law says all health plans* have to cover preventive services at 100 percent. That means no out-of-pocket costs for you, as long as you get them from a doctor or clinic your plan covers. By no cost I mean : You pay nothing to visit the doctor ( copays ).
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I have a alleged debt with a company by the name of TRUE ACCORD in the amount of XXXX. I have sent them a letter certified mail stating for them to verify this alleged debt that I am not aware of. I have tried multiple times to dispute with credit bureaus but they have forward me to the 3rd party collector.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Access Credit Management, Inc. (AR)

This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IL)

I had a mortgage two years ago with Loan Depot that I refinanced to get a better rate. Loan Depot failed to send in the Satisfaction of Mortgage to XXXX XXXX Recorder of Deeds and their is a Lien on my home. I found this out when I was in the process of trying to get a HELOC loan ( Process began on XX/XX/2022 ) that I need to complete needed repairs on my home. When I contacted Loan Depot I was told that the process would be escalated and that it would be complete on XX/XX/2022. Upon contacting Loan Depot multiple times to get status on the request XX/XX/2022 I'm told everything from it will get done later in the day on XX/XX/2022 to now that it will get done on XX/XX/2022. I've escalated to their " Resolution '' department and have been told on multiple occasions that the " Satisfaction '' team is only reachable via email yet they put me on hold for long periods working to get an update from said team. Then I'm told I'll be receiving a call back and get no such call back. Loan Depot 's inability to rectify this situation is causing hardship for me and my family. It appears to lenders that I have two loans on my home, which is not true. 

Thanks, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I have remaining funds in held for 180 days the amount of {$170.00} after tried to reach out on them and ask if my remaining funds is eligible for withdrawal but they said that it is not eligible so I wait for how many days and when I check my acc but suddenly the money that the they freeze is suddenly gone and when I check the recent activity on my account they convert my funds into US dollar and stole it I tried to reach out with them after what happen but I never recieve any response coming from them so that is why I am here to file a complain against PayPal for stealing my money
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my 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 commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation (CA)

On XX/XX/XXXX I received a card in the mail from card.com, sponsored by XXXX. I have a freeze on my credit because someone is desperately trying to open accounts with my information. XXXX refuses responsibility and refers me to the number on the back of the card which is to activate the card. I contacted XXXX  through email and they still decline responsibility. Card.com is nearly impossible to reach by phone. It is a bot which says my information doesn't match ( likely they changed it by now ). I can not understand how they approved the account and they won't reply to my emails to fix the situation.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (CA)

Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I own property in Florida that Bank of America is the lender on. This property is subject to an insurance requirement and I did have insurance on the property until I filed a demolition permit and had all of the structures demolished in XXXX. I canceled the property insurance because you insurance buildings, not dirt. 

I started to receive letters from BofA about the insurance and I informed them, through the XXXX number in XXXX XXXX, that I removed these structures and the property is, therefore, not subject to insurance. They promised to review the account with the documentation I provided, the demolition permit with address and parcel information for the property in XXXX County, FL. 

More letters arrived and I have called them a total of 8 separate times, each with a 30 minute hold time, only to have the same discussion with the same promise. What is alarming is that despite emailing them the information and uploading to their " XXXX '' website, the documents never seem to make it to my account. 

The last letter, which I diligently followed up with by phone yesterday on, threatened to buy insurance on my behalf and charge me for it. I really don't believe that BofA has any intention of recognizing the facts on the ground, supported by government-issued documentation, that no buildings exist on this property. The agent advised me that it is necessary for me to get a letter from FEMA that the property is no longer subject to insurance requirements. I did contact FEMA, this is their response. 

" NFIP Flood insurance is only available for buildings, not for empty land. The lender should understand that part of their requirement. If not, please share the policy with them - https : //www.fema.gov/sites/default/files/2020-05/fim_appendix-a-policy_apr2020.pdf, " I need help. BofA is a massive bank and they clearly have a customer support organization that is structured to stall and frustrate customers.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (FL)

I sent a validation request to XXXX XXXX asking to verify this debt as I have already paid my kickoff account out and now its stating that I have another one that was c/o for XXXX XXXX Which is ridiculous XXXX!! And its reporting XXXX late payments at that!!
Consumer complaint received 2021-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NY)

Actions being taken on my account # XXXX without my permission. 

Unauthorized use of my information I spoke to representative and asked for validation of the debts Requested proof of investigation and records of my account Burden of proof falls on the corporate The institute was paid when I gave them credit during our initial consumer credit transaction day 1 and to unfairly make deceptive claims is unlawful Practicing deceptive behavior by furnishing incorrect, erroneous statements is unlawful Requested 1099 tax form Contract binding both parties Affidavit of Truth wet signature by chief executive officer XXXX XXXX directed to me the consumer. 

With prejudice I never refused to pay on requesting to validation the debts. 

I am a natural person and a consumer per federal law US has been actively bankrupt since XXXX and money is backed by nothing it is only paper debt and cant be used for payment. Only credit and gold or silver. 

Willful noncompliance is unlawful Violating my consumer rights is unlawful Not upholding regulation z, Truth in Lending is unlawful I know the finance charge is the sum of all charges
Consumer complaint received 2021-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (TX)

GM financial has REFUSED to VALIDATE the repossession. Please see attached CERTIFIED letters. 

It's been over 90 days. 

This repossession was illegal therefore this should be removed from my credit report. 

They 1. Ignored me for 60 days. 
Then 2. Sent me the LOAN DOCUMENTS. 

I asked for the STATE AND FEDERAL NOTIFICATION LETTERS needed in order to LEGALLY repossession vehicle.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NV)

XXXX XXXX XXXX, AMEX Bluebird ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION- Grand Theft REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XX/XX/XXXX Your Account is Locked ELDER FINANCIAL ABUSE : FINANCIAL EXPLOITATION XXXX XXXX XXXX XXXX, XXXX  XXXX American Female, Card ending in XXXX. Amex Delay Dirty Tricks most common delaying tactics is by avoiding service and hold hostage finance over {$1000.00} ( Elderly Grand Theft Abuse ) THAT HAS NOTHING TO DO WITH disputed {$85.00} XXXX XXXX XXXX  FRAUD/SCAM ( XXXX XXXX Files Consumer Fraud Lawsuit Against XXXX XXXX XXXX ) CFPB Complaint filed # XXXX has been file for suspending the account and a legitimate XXXX XXXX XXXX  {$85.00} FRAUD transaction. THIS COMPLAINT IS ELDER FINANCIAL ABUSE- FINANCIAL EXPLOITATION. Since XX/XX/XXXX, I have appeal to XXXX and XXXX, I even call AND MAIL SENT COMPLAINT TO XXXX XXXX NY corporate office- AS OF TODAY ALMOST 10 DAYS LATER-NOTHING! the rude response of " delay '' continues. This is MY MONEY AND I HAVE Medical Bills to take care of as well as prescription. This IS UNDUE HARDSHIP. If the account is suspended and today " LOCK '' - the balance is MORE THAN {$85.00}! So, Bluebird by American Express has garnished the remainder BALANCE amount over {$1000.00} - GRAND THEFT - IN NEVADA THAT'S DOUBLE THE PENALTY FOR CRIMES AGAINST THOSE OVER XXXX OF AGE! I will indeed file a complaint with Nevada Attorney General XXXX XXXX. Nevada values their Older Americans- NOT BLUEBIRD BY AMERICAN EXPRESS aka XXXX aka undercover boss XXXX It DOES NOT TAKE OVER 7 DAYS TO REFUND A PERSON MONEY DUE - if AMEX Bluebird want to keep the {$85.00} until investigation completed -SO BE IT- BUT THE OVER OVER {$1000.00} GRAND THEFT HAS BEEN STOLEN AND NO SIGN OF REFUNDING THE AMOUNT! It just a prepaid debit card - dime a dozen. I had this debit card for at least 8 years plus- RUDE CUSTOMER SERVICE IS NOT A CRIME BUT FALSE ADVERTISEMENT-GRAND THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CRIME! Ask Attorney General XXXX XXXX XXXX. See Attachment of delay investigation and DELAY GIVING ME MONEY THAT BELONGS TO ME emails from XXXX XXXX, American Express Executive Assistant XXXX. NO EXCUSE EXCEPT BLUEBIRD BY AMERICAN EXPRESS THINK THEY ( XXXX XXXX XXXX ) ARE ABOVE THE LAW CFPB, Federal Trade Commission, Attorney Generals ( NV, NY ), XXXX and XXXX Fraud Hotline! True Elderly Hate Crimes!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I have disputed several incorrect address with Experian several times. Experian is saying that they can not remove the fraudulent addresses because companies are reporting these addresses. I have never lived at these addresses and Experian is violating the FCRA by reporting these addresses for me. Please remove the attached addresses.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion LLC Consumer Dispute Center I wrote the exact same information to transunion conserning the same compalaint i am making today. 

-- -- On [ XX/XX/2020 or XX/XX/2020 XXXX I disputed an account reported XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXn the file you maintain under my Social Security number. 

I was informed on XXXX  XXXX and XXXX XXXX XXXXat the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

1. Requirements relating to reinsertion of previously deleted material 2. Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

-- -- - I have contacted this company and i have the othere two about the account that keeps coming back on to my credit report. thank you for reading this and i appretiate your help thank you.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

XXXX Called 2 family members asking for me and wanting information to contact me. 
I called and spoke to a woman named XXXX. She immediately asked my name, social security number and address. Did not state the reason why and could not tell me the amount or name of debtor. Wanted my credit card and bank information to pay a debt that isnt mine. She said she would send me a letter via email of the breakdown of the debt and nothing ever arrived. This company is calling my family and myself and it is harrassment for a debt I do not owe or the company fails to prove it is mine.