davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
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: EQUIFAX, INC. (GA)

I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AZ)

There was an agreement in place as a result of COVID-19 for payments, which I was unaware had met its term until the late notification. Once advised of the payment status, it was brought current right away. I reached out due to the mis-communication regarding the agreement and thought the tradeline was corrected. However, I pulled my free report only to find that youre still being impacted with a XX/XX/2020 30-day late hit with the credit bureaus which has impacted your scores greatly. It is my hope that given the unsettling year 2020 was with the ramifications of COVID-19 ( in all aspects ) that Ally with have empathy at this time and reverse the XX/XX/2020 30-day late hit with bureaus.
Consumer complaint received 2018-06-12
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: Ability Recovery Services, LLC (VA)

An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services. 

I haven't had any contact with the original creditor or its ancillary.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2019-05-15
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: Bread Financial Holdings, Inc. (GA)

I went into a store ( XXXX ) to make a purchase via debit card. The clerk stated that the card swipe didn't work. She then asked me to take my debit out and also give her my ID to verify that it was my card, she then began typing into their system. I told her that I didn't want any promotional items, text or phone calls. She did ask before the transaction if I wanted a credit card, my answer was no because I no longer use individual store cards - only majors. 
After leaving the store I learned that she used my ID to get my social and address to apply for a credit card. I DID NOT REQUEST THIS! I phone the district manager who has spoken with me a week ago and has not followed up. When I spoke to that exact store clerk, she stated that just by making a payment with a debit card their machines automatically run credit. I know this to be false and misleading - that was the 2nd time she misrepresented herself and lied. Now I have a hard inquiry from them whereas I did not request any card. I never gave her my social - she had to use my date of birth and address.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation (FL)

I am receiving derogatory marks on my credit score from a account in collections from a company I do not owe for {$250.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ). 
When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket. 
Then the loan officer stated that he can not pull my XXXX  credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX  agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get. 
I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX  credit score by himself and blaming on XXXX  ( again, I verified with experian that is not true ). 
this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ). 

Kindly see the e-mail exchanges.
Consumer complaint received 2018-06-12
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: JPMORGAN CHASE & CO. (KY)

Chase acct frequently displays pop up to update income and phone number when I am viewing my account. I responded to the request and the next screen said it was for a card. Worse, the next day, my credit report reflected a new inquiry from them. Worse, I called them, and they responded they couldn't do anything but it would come off my report in about two years. Please, I am XXXX XXXX XXXX and explained to them if there was XXXX XXXX, I could not have seen it as this was a frequent update they asked for. Can you assist me in getting this attended to. Thanks
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (IA)

In XX/XX/XXXX I ordered custom window from XXXX XXXX and chose to finance the project through greensky. My account was charged a deposit before the installation was scheduled and my payment because due without receiving any communication from the Greensky. I was assessed a late fee that was not reversed. The installation was delayed over a month past the date that was discussed and when the installers finally installed the windows they broke one and were unable to complete the installation. I called Greensky initially to request my account documents and monthly statement, which was sent after the second request. I called Greensky a third time in XXXX after the a second statement said the account was delinquent after I made my initial payment. XXXX XXXX payment was already paid, so I asked the representative what payment I should be making to get the account current and paid through XXXX. I was advised to make an additional payment and I sent the check 3 days later. In XXXX I received another statement indicating my payment was due and showed the entire balance had been charged to my account but the installation was not completed until XX/XX/XXXX. I called again to request a complaint be opened for each of the issues : 1. To have the misapplied payment applied to XXXX XXXX to have the {$11000.00} balance posted on the date of completion rather than XX/XX/XXXX. The agent told me to not make a payment in XXXX until they had reviewed the account and advised they would call back before the XX/XX/XXXX due date. I called again on XX/XX/XXXX and the agent told me the complaint or complaints I was told would be opened, were in fact not open. I requested that they be opened immediately so I can pay on time if I needed to. The agent told me that someone would call me the following Monday XX/XX/XXXX at XXXX and again advised that I not make a payment. I advised that Monday was a national holiday but the agent confirmed that someone would call. No call was received or missed on XX/XX/XXXX. I called again today, XX/XX/XXXX, and was told the complaint manager XXXX was not available and was offered to be transferred to his voicemail. I said that is completely useless and then the agent got XXXX on the line. I asked XXXX why no call was made and was advised that the complaint was not assigned to him until yesterday. I asked how the complaints would be resolved and the agent hung up on me. I called back requesting to speak with XXXX and requested his identification information and the agent refused to provide it. I requested that XXXX call me back in 30 minutes and hung up. No call had been received and no resolution has been provided.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

From XX/XX/XXXX, XXXX- XX/XX/2020 I noticed that my card was blocked at the end of XX/XX/XXXX. I was sent a letter on XX/XX/XXXX that they would soon be closing my accounts and wouldn't have any access to my funds.Apparently, there were deposits made to my account that were not associated with my account name, which flagged the fraud department I believe. However, I was told in order to lift the block from my account I was to bring proof to the Chase Branch that I was to receive these deposits. However, they never clarified what type of documents to bring in. These deposits ( $ XXXX ) were made as a wire transfer I believe. But, I was under the impression that any wire deposits or any deposits made to my account by another person would be verified by the bank. After that I was told that Chase would end their relationship with me and would soon close my account after review and would mail a check with my remaining balance. However, because I used the funds deposited in my account that weren't associated with my name I would be responsible to pay back that amount. But, I was told that my account would be sent to collections to set up payment. The issue is that all the money I had was put in Chase bank and I have no source of income now. I wanted my money that I had before the deposits were made. The original balance of my account before this was about ( $ XXXX-XXXX ) that I had saved and was a part of my unemployment that I had received. I asked if I could have my final deposits and then set up a payment plan with collections, if I was to repay back the bank. But, it seems that Chase has taken all the money in my account without providing a payment option. This has left me with no money to my name and it seems more realistic to provide the consumer with their remaining funds and to set up a payment plan with collections rather than to take all the remaining balance of an account. The representative on the phone that I spoke with could not help me or provide me with any clear answers. I would hope that I could just have my life savings back and set up a payment plan with Chase rather than being cleared out of all my money as I am currently unemployed especially during this pandemic with no other form of income than what I had in my Chase bank account. I am waiting to see if I will even receive any money back from Chase and the wait times to speak with anyone are over an hour.
Consumer complaint received 2021-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has stopped reporting my positive credit history to XXXX. This has caused my score to drop over XXXX points. I noticed that reporting stopped in XX/XX/2020.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted a complaint regarding Equifax not reporting my date of birth correctly. Equifax has been reporting my date of birth as XX/XX/XXXX. That is NOT my birthdate and I have filed a complaint after many attempts to have the information corrected, complaint number XXXX. 
I received a new report from my monitoring company and the updated information is still shown as XX/XX/1969? How is this possible? And how is Equifax responsible for reporting accounts correctly if my personal information is not even correct? This seems absolutely absurd.
Consumer complaint received 2020-06-26
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. (PA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX : Complaint Department XXXX XXXX XXXX XXXX, XXXX  XXXX I have recently pulled my Equifax credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX  has removed all accounts associated with ( XXXX   XXXX  ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2019-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (TX)

Fraud, scam and false reporting to XXXX about a false debt owed and breach of contract. 

In XX/XX/XXXX l opened a merchandise account and canceled on XX/XX/XXXX by returning the product through XXXX  to avoid charges and stopped all fees and rental. They then closed the account with out fees and rental meaning I didn't owe them anything based on the retun policy in the contract and proven through 20 email correspondences.On XX/XX/XXXX Acima was on my credit report stating I owe them XXXX willfully knowing it was false reporting.
Consumer complaint received 2019-05-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I received a targeted ad from Amex on XXXX, which highlighted the welcome offer of XXXX bonus points for the XXXX XXXX card. As the welcome offer was enticing, I clicked on the ad, which took me to the Amex webpage where I could apply for the card by entering in the required personal and credit information. When I completed the application process, I got an instant notification, indicating that I am approved for the card. There was no indication that I wouldn't be qualified for the welcome offer through the entire application process. The card arrived a few days later and I put the card to use immediately as I wanted to meet the spending threshold quickly to qualify for the welcome offer. In addition, I called in Amex several times to ensure that I would be qualified for the welcome offer if I meet the spending threshold and I was assured by the Amex representatives that my account would be credited automatically once I meet the spending threshold.

It wasn't until several days after I met the spending threshold that I realized I wouldn't be qualified for the welcome offer. After meeting the spending threshold I immediately called in Amex to check when I should expect to receive the welcome offer and I was told that the welcome offer is denied due to the history of receiving welcome offers for other Amex cards. I contacted Amex, explained the situation and created an investigation claim. I waited until today and was told that my welcome offer is denied.
Consumer complaint received 2019-12-09
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TN)

I had an account with Santander Consumer for a XXXX XXXX XXXX in XXXX. I barely had the vehicle for a year and the power steering went out multiple times. I kept having to take it to XXXX to get fixed using the warranty I had. Everytime I got it fixed it stopped working not even a week later. I got behind on my payments due to always having to rent a car or XXXX due to not having the vehicle. I tried to work something out and the repossessed the vehicle after a month non payment. Now santander has a lawsuit out for a loan forgiveness. They are trying to sue me for the XXXX that is owed even though the car is sold and has been since XXXX.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.