davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

They didnt inform customers that they were going to change the bill pay pages. I have setup future payments previously, but now I see they have a different format and I cant see the payments I had set up. Now I dont know if Im double paying or not paying at all. Which may cauce damage to my credit score. Im in the blind with my payments. I dont know why, at a time when people do not trust banks, why they would do something like this. I had no complaints before. Who decided to do this? Why would they change what was working. I dont trust this bank anymore and plan to change to another.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

I had a Wells Fargo account. My account went negative due to its inconvenience in my city, its far for me to go deposit money. Once I finally had the time I saw my account no longer existed. I went in person to pay the overdue balance in full ( {$130.00} ) cash at XXXX XXXX XXXX branch in XXXX. I was then sent a letter telling me I still cant have my account back.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (OH)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: On-Site Manager, Inc. (CA)

I have a hard inquiry on my XXXX score report which I don't why it has happened. I have called the company but get stuck in automatic reply. I am trying to fix the untreated reports before applying for a new credit card. I appreciate if you can help me to remove this hard inquiry from my account to improve my score.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I contacted your organization a few months ago to complain about my mortgage company, XXXX XXXX XXXX. I pointed out that they had taken over my loan from XXXX and had failed to give me any consideration for homeowner assistance programs. After filing this complaint, Rushmore did respond and requested that I provide them with the updated financial information. I sent in all of the documentation that showed I now had a change in my finances and was making more money. Rushmore told me I needed all of the paperwork in no later than XX/XX/XXXX in order for them to conduct the review. I got the paperwork in to them the last week of XX/XX/XXXX, but then they changed their tune and called me and told me they were unable to review, that the ACTUAL cut-off date was XX/XX/XXXX. This is just another example of Rushmore Loan Management engaging in unethical foreclosure practices. Since they took over my loan from XXXX they have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. I have lived here since XX/XX/XXXX and XXXX XXXX XXXX XXXX  for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as XXXX  XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. To make matters worse, Rushmore PRETENDED they were going to work with me and help me, and then when I submitted the information they said sorry, you are missing one signature on the XXXX so we are kicking you out of review -- and also, you sent this in to us too late!! Even though they had given me a different date when I first contacted them. Rushmore has now set a sale date for XX/XX/XXXX. This is wrong, they need to be stopped!
Consumer complaint received 2023-04-10
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IN)

Date opened XXXX XXXX debt allegedly owed {$670.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

In XXXX I opened an account ( XXXX ) with Wise, an international money transfer and internet banking company. I asked a Wise customer service rep how to transfer funds into the account and was provided the corresponding IBAN. On XX/XX/XXXX I followed the instructions given to initiate the transfer in the amount of XXXX from an account in my name at XXXX  bank XXXX. I checked the Wise website each of the following five days to check receipt but the balance remained at XXXX. On the sixth day, XX/XX/XXXX, I received an email from Wise that the transfer had been " cancelled '' and that funds would be returned in 8-10 business days. When I enquired as to why, I was told that Wise needed " more information '' to complete the transfer. I was not told the specific nature of the information. I was never asked, warned or notified prior to the cancellation. Upon investigating Wise confirmed that no email or other attempt at contacting me regarding this matter was undertaken. I feel the unilateral surprise cancellation of the transaction is a breach of fiduciary duty to a customer. It has caused me great inconvenience and pout me in a situation that is difficult to rectify. This is teh answer I received from the company : " Hello XXXX, Thank you for your patience so far. 
We've finished investigating to determine whether we didn't notify to upload additional document to complete the check of your transfer # XXXX, and as a consequence of it, your transfer was cancelled. 
What we've found is that there was no notification sent from our end, asking you to submit a document. '' How can a regulated financial institution act so recklessly?
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX  credit report screen shot to reinforce )
Consumer complaint received 2020-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
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: EQUIFAX, INC. (TX)

Equifax allowed hackers to gain access to all my financial and social security number information. As the Consumer Protectors, I call upon you to help the 130 million plus Americans who are vulnerable. Can you please let me kn ow what you are doing? When I phoned in, your operator just hung up on me. That has never happened in a call to the government or my representatives before. To say the least, I was shocked by your disregard of ma question from the public you are supposed to serve. Will you answer this or ignore it as well?
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

[ person whose name appears on agency 's notice to you ] : Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

Sincerely,
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (TX)

XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.
Consumer complaint received 2023-04-07
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I started my auto loan on XX/XX/XXXX. Ally Auto charged me XXXX percent interest on a XXXX XXXX XXXX because my fiance and I had just moved to Georgia from XXXX XXXXXXXX. We needed a car, so we took it. 

I made the first payment on XX/XX/XXXX for {$400.00} and received a confirmation email. 

I was not happy about the interest rate and decided to refinance through my credit union, XXXX. They set me up with a savings account to pay off Ally. My fiance, who is on the loan, put in the payment information wrong as a checking account but they managed to withdraw a payment of {$3100.00} on XX/XX/XXXX, and I received a confirmation email. I corrected the status of the account as a savings account after I called Ally and asked them to unlock my account, as my account was locked due to the error between checking and savings. I paid them {$13000.00} on XX/XX/XXXX, and received a confirmation email from Ally. 

We had gone to the the car lot, XXXX of Georgia XXXX, and canceled the gap and warranty on the XXXX, because of the refinance. They sent a check to Ally for the canceled gap and warranty for {$2900.00}. Ally claimed they never received this check, so we went back to XXXX of Georgia XXXX and they said they didn't know why Ally hadn't cashed the check. We had them send a second check which they say Ally cashed on XX/XX/XXXX, and produced documentation, which I photographed. 
Now Ally says they returned the check, I'm not sure why, and they are trying to charge me a returned check fee of {$710.00}. The check clearly wasn't returned. 

Now I have called them today because they say my payoff is {$3100.00}, which oddly enough, is the payment they took on XX/XX/XXXX. They also tried to say this payment was returned to me, but my bank statement does not show {$3200.00} returned to my account. It says Ally withdrew that amount on XX/XX/XXXX. I specifically told the representative I spoke to, to not return the check. 

Ally refuses to send me a XXXXXXXX XXXX  so I can get my title. I have called numerous times and was promised the the XXXX XXXX was processed and would be sent to me in a light blue envelope, and was even given a XXXX XXXX processing transaction number, all to no avail. They continue to call and harass me for {$710.00} for a returned check that wasn't returned at all. 

I've paid them {$20000.00} between myself and the car lot returning the gap and warranty, after they told us the payoff was {$17000.00}. 

I've sent documentation to the email they gave me, XXXX proving they've been paid, but I never get a response, only collection calls and emails. 

Had I known Ally has a reputation for charging extra money, repossession of vehicles without proper notice ( during the pandemic after advertising on their website and during calls that they will provide assistance if you can't pay ), and refusing to send titles or taking extra long to process titles, I would not have entered into a contract with Ally.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

FEDLOAN SERVICING at XXXX XXXX XXXX XXXX, PA XXXX has been reporting inaccurate data on my credit report and is causing a negative effect on my credit report. The opening date of this account is not accurate amongst all three reporting bureaus. XXXX shows an open date of XX/XX/2012 XXXX shows an open date of XX/XX/2012. 
It is unlawful to report inaccurate data on ones credit report and i would like for this account to be taken off of my credit report immediately and to never be reported on my credit report again.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

I opened a Chase checking account using a promo/referral code, to get a new customer bonus. Representations were made that I would receive a {$200.00} credit if I got more than a certain amount in direct deposits from my employer. My employer uses XXXX and I get PPD deposits every pay period. 

I noticed that my bonus didnt post, even though I had satisfied all the requirements. I called them on XX/XX/2024 at XXXX Pacific time, on a recorded line, and their representative lied and wrongly told me my deposits werent eligible. She said only WEB/ACH payments will work, not PPD, but PPD is the code that any real direct deposit would use. PPD is the proper ACH code for payroll. 

This big bank is XXXX XXXX XXXX! My direct deposits from my employer are as real as it gets. Plenty of employers use the payroll app XXXX because it is inexpensive and fully functional. I should get the {$200.00} bonus.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (FL)

XX/XX/XXXX, i visited XXXX XXXX to purchase a vehicle. I told the manager after agreeing on a price that i wanted to use GM financial for the 0 % promotion that was advertised during that time and if i can not get approved for that than i was only going to use my financial banking institution ( XXXX XXXX XXXX ). They agreed to the terms. XXXX wanted 7 % and i declined that offer so XXXX ( the finance guy ) and I agreed to the terms of XXXX for credit loan approval. I signed the contract and left with the vehicle. I called on XX/XX/XXXX to follow up with the spray in bed liner which was owed to me as part of the deal and i was told they will call me back. I called again on XX/XX/XXXX because no one contacted me for the bed liner. At that time, XXXX XXXX ( the sales agent ) told me that the deal was declined by XXXX and the needed a co signer to proceed with XXXX. I was then contacted by XXXX ( the  XXXX ) on XX/XX/XXXX and he said that we can get you approve as a single owner through GM at 7 % for 635 monthly. I told him that i am not going to do that. on XX/XX/XXXX i returned the truck and XXXX took the keys. After i left, XXXX and XXXX called me several times threatening me with coming back to pick up the truck because they had worked out a deal with GM to meet the terms of XXXX on the original contract. I told them that i did not approve or authorize that and they can not change anything on my signed contract without my knowledge or approval. and XXXX told me that is not true, we can do whatever we want and i will be receiving payments from GM. I called GM on XX/XX/XXXX and they told me i did not have an account or loan at that time.. I made them aware of what the dealer was trying to do and they assured me that they did not have anything in my name at that time. on XX/XX/XXXX i received a letter from Gm stating I now had an account and payments due for a truck i no longer have in my possession. I notified GM on XX/XX/XXXX that this account was fraudulent acquired from XXXX XXXX without my approval and that i had already returned the truck to the dealership on XX/XX/XXXX. they said the application sent to them by the dealer shows XXXX XXXX XXXX but it has been scratched or crossed out and someone wrote Gm on the line on the contract and they can not close the account without proof the dealer obtained and or submitted it without my knowledge and or permission. I informed them that i still have my original paperwork and i do not have any marks on my contract showing XXXX being scratched off. I returned to the dealer per GM request to get them to reverse the deal and get the paperwork of what was submitted by them and the dealer refused to show me the contract they sent to GM and would not reverse the deal, instead tried to give me the keys to the vehicle that i do not want or need. i told them i was not taking possession of a vehicle that they fraudulent obtained financing on and left the property.