davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I am looking to pay off car loan and notice that the balance on the car loan is going up. 
Monthly payments are made on time with an additional payment of about {$18.00} extra paid monthly. I have reached out to Ally Auto 2x to get answers but I am put on hold with no clear explanation as why balance is increasing. Statements are showing more than $ XXXX. unpaid balance. When I call Ally Auto it is confirmed that I do consistently make monthly payments on time, but told they could not see on their end the unpaid balance that I see on statement. Also no one clearly explains the daily dollar amount {$1.00}. The call goes silent as I wait for answers for long periods of time then eventually Ally Auto hangs up with no resolution. How can I pay off my car loan if the balance continues to go up. 
Initial Sale Contract 10.34 % Interest Rate {$6100.00} Finance Charge Want to pay off balance on car but balance continues to increase monthly with Ally Auto. 
Please Advise
Consumer complaint received 2019-10-01
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. (FL)

I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. EMS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. 
Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). 
XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. 
IF you dont get such a letter, let me know. 
Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. 
I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. 
Let me know if I can do anything else. 
XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I received a dunning letter from National Credit Systems Inc. for an attempt to collect a debt. 

XXXX/XXXX/XXXX I sent them a letter requesting debt validation, and supporting documents that I aggreed to do business with there company. 

XXXX/XXXX/XXXX I received a letter from them, but they did not verify the debt or have any documentations stating that I agreed to pay there company and or did business with XXXXational Credit Systems XXXX/XXXX/XXXX I received a notification that this collection was placed on my credit report.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Bank of America business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.
Consumer complaint received 2017-10-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX. 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Trans Union and XXXX are continuing to report inaccurate information. This collection with XXXX should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX
Consumer complaint received 2022-09-08
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. (AZ)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX, I began to pay extra toward the Principal Deferred Balance.  Since then, I have paid a total of {$2000.00} and Wells Fargo has failed to deducted the paid amounts from the Deferred Balance. Or in the alternative, Wells Fargo has also failed to deduct the extra payments from the 'Outstanding Principal Balance '', which would have caused a recalculation of the 'total ' owed and a new monthly payment amount would be less. I have addressed the credit several times and Wells Fargo has refused to credit my account accordingly. In fact, Wells Fargo has not shown to which balance the extra funds have been applied to. Rather, Wells Fargo has shown that making extra payments toward the Deferred Balance is not allowed and yet it refuses to refund my extra payments that I have made. My contract does not forbid me from making extra payments toward the 'Outstanding Principal Balance '. Wells Fargo has accepted by extra payments that were clearly marked " Principal '' and has failed and refused to deduct said amounts from the total balance. Wells Fargo has not applied the extra payments toward any balance and it has not given my account credit, it has not recalculated the total due nor has it recalculated my monthly payment. Instead, it has taken my money and it continues to charge me the same interest rate and amount amounts in spite of the lesser total balance that was caused by the additional payments. On XXXX/XXXX/XXXX, once again, Wells Fargo refused to apply credit for the payments, readjust the balance and give me credit for the interest it charges since XXXX/XXXX/XXXX and in the alternative has refused to refund my money.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I made a purchase last XXXX at Macys in person. The clerk was pretty persistent in having me use my Macys account. I told clerk I had two accounts. A macys American Express and a Macys Citibank. I would have to use the Macys American Express as I did not have access to the other card and had no payment set up on it. Clerk Agreed. Told me I had the American Express. I signed the receipt. Several months later I received a bill that had been forwarded from my Florida address ( I am in Texas ) for not only the bill but a {$40.00} late fee from the standard Macys credit card and not the American Express as requested. I called explained the situation and cancelled my card. The next month I again get a bill, late. For {$40.00} more dollars in late fees. I paid again and cancelled the card. In XXXX I again received another bill for {$40.00} which I did not pay and the customer service re-processed my credit card cancellation and promised to remove the {$40.00} from my bill. I just received another bill from Macys for {$40.00}.
Consumer complaint received 2017-07-03
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: Clarity Services (TX)

Clarity Services Inc, a financial reseller, made two separate unauthorized credit inquiries on X/XX/2017and again on X/XX/2017. I have never heard of this company and did not request/authorize an inquiry from this company.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX Equifax and XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my credit score dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that Equifax and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my Equifax score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (CA)

Here are unrecognize hard inquiries appeared on my credit report that I want to remove for accuracy : 1/ XXXX on XX/XX/2022 2/ XXXX XXXX XXXX XXXX  on XX/XX/2022 3/ XXXX XXXX XXXX on XX/XX/2022 4/ XXXX XXXX XXXX XXXX on XX/XX/2022 5/  XXXX  XXXX XXXX  XXXX  on XX/XX/2022 6/ XXXX XXXX XXXX on XX/XX/2022 XXXX
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NV)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. 
This is my 4th complaint to Experian for their violations. I have enclosed the following documents ( Identification Card Proof of Identity, Experian Report ) ( See attachments ) Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (TX)

I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

In 2016 My Wallet was stolen and my card was charged for multiple transactions resulting in a ton of fees. I reported to bank when it happened and they closed account and said they will forgive and transactions as i am supposed to be protected but it didnt happen. Its been 5 years and im still getting negative remarks to my credit! Last balance was paid on XXXX XXXX, 2016 the reported balance is {$950.00}. This is with Wells Fargo Bank.
Consumer complaint received 2017-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC (MO)

I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

all of the above- until recently..funds not recieved. 

acct locked out repeatedly online ATM refusing balance called a NONCITIZEN after staying over 35 years in this country repeatedly before XXXX. 
locking up of XXXX account unlawfully ( 1st ) to lend my money away wo my consent. 
refusal to allow any account access. 
refusal to allow wire transfer of my money to another bank. 
refusal to authorize XXXX charges for over {$500.00}, resulting in XXXX to fix w XXXX ( unlawful unauthorized chargeback ). 
unlawful account closure w less than required time to contact federal govt to change over treasury benefit payment ( 3mos for XXXX, 2 for XXXX ). 

company tried to slander me ... longshot from " did not meet expectations ''. I charge $ XXXX for slander-Im a XXXX XXXX. 

is doing this and worse to several 1000s of veterans and wants us to shut up online about it.