davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2022 I attempted to add an external bank account XXXX XXXX XXXX XXXX XXXX ) to our Ally account in order to make transfers from Ally to our XXXX XXXX  XXXX account. I did this through the Ally website and received an automated message that 2 small deposits would be made to my XXXX XXXX XXXX  account. After those 2 deposits were made, I was to return to Ally to verify the amounts to complete the process. On XXXX I received an email from Ally that the account was rejected. I went back to their website and the message on the website indicated that I could delete the XXXX & XXXX account and re-add it at any time. I deleted it, but was unable to re-add it due to an error indicating that the ( optional ) account nickname had already been used. However, using another nickname or leaving the field blank ( as it is optional ) produced the same error. I called Ally and they were not able to add the account either. However, they promised the issue would be resolved in 1-2 days. I subsequently called Ally several more times and each time they would ask me the same questions, such as : " Is this account in your name? ", " What type of account is this? ", " What type of bank is this? ", etc. Ultimately, they would then tell me they needed another 1-2 days. After many calls over many hours, here we are on XXXX and I am still unable to add this account. Ally 's reps have informed me that they are not able to add it either ( confirmed again during a phone call on XXXX at XXXX EST ). There has been NO effort by the bank to actually resolve this. They simply keep telling me they need more time. 9 days is more than sufficient time for them to simply add an external account so that I can complete transfers.
Consumer complaint received 2015-08-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (OR)

I began leasing a VW XXXX in XXXX 2015. The XXXX month lease payment for XXXX 2015 of {$350.00} was paid and collected at the dealership. The XXXX payment, which was due in XXXX 2015, was submitted as XXXX Time electronic EFT payment via the VW Credit website with payment being drawn from my checking account. At this time, I also set up auto-payment for the lease payment to be debited from my checking account on a monthly basis. 
At the time I submitted the XXXX 2015 payment via VW 's online system, I received an email confirmation that the one-time EFT payment was successfully submitted ( I have copy of the email confirmation ). At this point, I assumed that the XXXX 2015 lease payment was paid, and the Auto Payment would begin with the XXXX or XXXX 2015 payments. And, I never received any further email communication that the XXXX payment was not properly processed on by VW Credit. The only email communication I received was the attached confirmation that the payment request was received and scheduled. 
I was out of town for nearly three weeks in late XXXX and early XXXX 2015. When I returned in, there was a letter from VW Credit stating that there was a problem processing the XXXX 2015 EFT payment and that I should XXXX-check the bank account information and try re-submitting online payment -- or send a paper check ASAP. I immediately re-submitted the XXXX and XXXX 2015 payments together via VW 's online system and a few days later I followed up by phone to confirm that the payment was received. 
In XXXX 2015, I XXXX checked my credit scores in light of the fact that I was planning to apply for a commercial mortgage, and I noticed that my credit scores had dropped from approximately XXXX to the XXXX 's because VW Credit had reported the XXXX 2015 lease payment as being more than XXXX days late. 
My credit report has never shown a delinquent or late payment, and my credit score has been historically in the XXXX range. Due to this reporting by VW Credit, my loan application is being priced at a higher interest rate. 
Therefore, I am formally appealing this credit reporting action and submission by VW Credit based on the fact that the XXXX 2015 payment was properly submitted by me via VW 's EFT system, and, at the time I submitted such payment, the payment was not 30 days late. I had assumed by the email confirmation that I received that the EFT was submitted and being processed by VW Credit. I received no further email communication that VW Credit was having problems processing the payment request. I also did not receive the VW letter letter until I has returned home in XXXX. 
I am requesting that this 30-day Late Notice be rescinded and that the Credit Reporting agencies be informed of this action. I submitted this information to VW Credit on XXXX XXXX, 2015 and requested a correction. On XXXX XXXX, 2015, I received an email message from VW Credit refusing to acknowledge that VW Credit made an error in processing my EFT payment and failed to notify me in a timely fashion.
Consumer complaint received 2022-02-09
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. (FL)

XXXX, XXXX XXXX Last Four of social : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Experian is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. Since Experian has refused to take care of the problem I expect you, XXXX XXXX XXXX to uphold the law and delete these accounts in the letter below promptly. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

For month 's I was back and forth between XXXX XXXX XXXX XXXX, and Medicare. At one point during the dispute the Medicare Representative asked for XXXX XXXX XXXX to call them. They refused, I was stunned, and here we are. 

I went to buy a car and found that my credit score had PLUNGED BY XXXX points. I paid for a copy of my XXXX-bureau credit report, and found that " while we trying to sort things out '', the XXXX XXXX XXXX was putting negative remarks on my credit report, AND sent my account out for collection. 

I was provided no notice from them, or the collection agency. The items were just embarrassingly there - in my credit reports when I was at the car dealership. 

The last Medicare Representative I spoke to said the XXXX Hospitalists were in violation of their contract with Medicare, and they ( Medicare ) would escalate my claim. 

I am still waiting.
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.
Consumer complaint received 2023-03-19
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. (NC)

In accordance with the Fair Credit Reporting act. The list below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 

15 U.S.C. 1681 Section 602 A States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) States : A consumer reporting agency can not furnish an account without written instruction.

15 U.S.C. 1681c Section ( A ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information And other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 Section s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that they the information is inaccurate.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: JPMORGAN CHASE & CO. (TX)

I got a voicemail from a woman named XXXX XXXX saying I would have to appear in court with a case number, and if I wanted to contact the filing party. I called the filing party, but the man, in a completely different state named XXXX XXXX of the XXXX XXXX XXXX had no clue what I was talking about, but would not give me the name and address of his company unless I presented my " case number ''. Fearing this was a false debt collector especially due to the voicemail, I hung up without giving him any information.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (PA)

receivables performance management LLC. IS CALLING ME DAY AND NIGHT AT HOME AND JOB.A BOUT A ACT I DONT NO NOTING ABOUT MAKEING THREAT THAT THEY ARE GOING TO SEND COP TO MY HOME AND JOB.
Consumer complaint received 2016-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rushmore Service Center, LLC (MN)

I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. Someone I do not know hacked my computer and made this fraudulent charge amounting to {$17000.00} and was made on XX/XX/2016.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to XXXX XXXX was deleted from my Transunion Credit Report between XXXX XXXX - XXXX, 2017. Today I checked my Transunion credit report online and the company is reappearing once again. I had investigated this creditor with CFPB in the past and it was removed from my credit report.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (GA)

I recently reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.
Consumer complaint received 2022-02-09
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX  XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Global Payments Check Services, Inc. (TX)

this debt was included in a chapter XXXX BK case # XXXX and this matter has already been addressed previously with the CFPB. this debt has been re-opened as a delinquent account and collection practices have assumed since the discharge of my BK. as a consumer I am protected and the debt has been discharged.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CO)

I signed up for a XXXX that has an annual fee when I was traveling a lot for work and could benefit from the benefits offered with that card. I no longer travel for work and I no longer want the benefits associated with that card and I want to convert it to a card with no annual fee. Chase bank does not offer a credit card with no fee that can be assigned to this line of credit. The only option they gave me is to cancel my line of credit. ( or a card with a lower annual fee which is not acceptable ) This would have a negative effect on my credit rating because my credit usage would go up, and my life of credit would go down, resulting in a reduction of my XXXX score. This is not fair. they are holding my XXXX score hostage. This is extortion.
Consumer complaint received 2022-09-03
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. (FL)

I have reached out to equifax, XXXX, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

Equifax, XXXX and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.
Consumer complaint received 2016-09-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MI)

Using Paypal, I was in the process of transferring funds between myself and two other customers to purchase bulk inventory of computer parts XXXX XXXX 2016. I have the same Paypal account for over 2 years and have done the same process in the past. This time Paypal decides to " trap '' the funds into the the Paypal account. Currently Paypal is holding {$2400.00} that is not theirs, that no is looking for except me. Their internal reference number for this fiasco is XXXX.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased a car from XXXX XXXX XXXX in XXXX 2015. When I was arranging auto financing with Finance Director, she said if I purchased additional options like a service contract she would give me an auto loan with Chase Bank for 78 months at a monthly payment of {$600.00}. When I returned a week later to cancel the option, she would not lower the monthly payments to {$350.00} for the original term of 78 months to adjust for the lower purchase cost even though she told me otherwise when I purchased the car. She wants me to continue to pay $ XXXX monthly with a new term of 60 months. In addition, after more than 2 months she has not adjusted the loan balance to the lower amount even after I contacted her and Chase Bank numerous times. Presently, I am stuck with a higher monthly payment.
Consumer complaint received 2016-03-27
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I have repeatedly Tried to get the First National Bank of Omaha to correct it reporting of my account information to the XXXX major credit reporting agencies. In every instance, they failed to correct their miss- information. XXXX says they have checked the information but that is an outright lie because if they had it would have been changed. Their actions have a major impact on my credit score and should be changed to reflect the current status.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

My bank issued an overdraft statement from my checking account at XXXX XXXX XXXX XXXX in 2011. I called the XXXX XXXX XXXX XXXX and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the Best Service Company and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the Best Service Company under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Delinquent account — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello. I am submitting a complaint about Navy Federal Credit Union. I was XXXX majority of last year and was highly unable to handle my credit card bills due to bad bandwidth and our location restricted me from having internet access. I was unable to pay my bill so they ended up closing my account with sending me any notices, along with closing my account with them. Now I am paying on a credit card that is supposedly closed but I am still paying on it. I would like the late payments removed or the entire credit card reopen. if not, removed entirely. I never received any notices while underway.
Consumer complaint received 2023-03-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

I told Navy Federal that my card was lost and stolen and because there was fake checks deposited into my account. so we closed that account and opened a new account. So my check of XXXX was in the new account and they transferred it to the old account. Now they're saying that I'm the one that transferred it to the old account and since whoever got had my card when they deposit the checks they would draw {$220.00} and they said that it was me because they were still able to use the account after I closed i. And ever since I made a complaint against them they've been putting me on hold for a multiple times for multiple minutes and and they just called me too much pain and grief.