davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/XXXX, I transferred a balance from my Ally Credit Card Account to my XXXX XXXX XXXX XXXX Account. XXXXXXXX XXXX  issued the {$4000.00} check and mailed it to Ally Bank XXXX XXXX XXXX XXXX MI XXXX. 
The check was cashed on XX/XX/XXXX apparently by Ally Auto, another arm in the Ally Financial conglomerate. When I received a call from Ally Credit Card arm that my payment was not received, I contacted Ally Bank- the Credit Card arm of the conglomerate - to let them know that indeed I had transferred the balance. They claimed to have received no such check. 
I then contacted XXXXXXXX XXXX who sent me a letter about the balance transfer inquiry I made as well as a copy of the cancelled check that was cashed. This letter is dated XX/XX/XXXX. 
The check issued by XXXXXXXX XXXX on XX/XX/XXXX paid to Ally Bank and cashed on XX/XX/XXXX. 
In the interim, I spoke with countless Ally Bank credit care specialists and gave them the same information. I finally faxed this information to Ally Bank at the fax number they provided me - Fax # XXXX. I faxed them on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX who told me I had to dispute the cashed check with the Auto arm of the conglomerate, and she told me she spoke with someone in the Auto department who told her to tell me that I needed to let the Auto department know the situation involved a misapplied payment. 
In spite of five phone calls attempting to do just that, each time I was told they could not have cashed the check because I did not have an auto loan with Ally Bank Auto. 
No matter who I speak with in the company, and no matter what arm of the conglomerate- Bank, Credit Card or Auto- they all deny responsibility for the error even with the copy of the cancelled check that they say was mailed to the wrong place. That may be true, but my name and credit card account number was clearly written on the check. 
With a check number, it would take a simple computer search in each arm of the Ally Financial institution - Credit Card, Auto, Bank- to determine where the money went, and then the solution would simply be to make bookkeeping adjustments to show the check paid the balance on my credit card account. However, due to incompetence or sheer laziness, I can not get even one person in three companies within the conglomerate to take steps necessary to do just that. The Ally Credit Card arm of Ally Financial claims to have investigated the matter and determined that Ally Auto cashed the check, so I fail to see why they can't resolve the matter by working together with someone in the Ally Auto department to properly apply the check to the appropriate account. 
I do not deny that the check may have been mailed to a wrong address, it was still mailed to Ally Bank, and they cashed the check. I do not care about assigning blame. I only care that the matter get resolved.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (CO)

30 days ago I submitted a dispute with XXXX concerning capital accounts llc. XXXX  forwarded my entire dispute to Capital accounts llc. I explained that they are attempting to collect a debt that was the result of identity theft. I also attached a police report confirming my stolen identity. I also explained that at the time of the incident I was living in California, not in the XXXX XXXX united states, and to travel there for medical services is lunacy. Still Capital accounts llc verified the account but gave no information as to why the account was verified as accurate. When I contacted capital accounts llc and explained that this account was fraudulent, they did not care and asked me to pay for the fraudulent account.
Consumer complaint received 2018-02-07
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. (CA)

Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

As of XX/XX/XXXX all three of my credit reports reflect that a company by the name of LVNV funding C/O Resurgent capital services XXXX XXXX  XXXX has a collection account under my name that is currently Open and reflects a past due amount totaling {$180.00}. 0 % has been paid on said account. It states this account was opened on XX/XX/XXXX and balance updated on XX/XX/XXXX. Ive researched this company using NMLS Consumer access and there is No matches for this company at all.
Consumer complaint received 2022-04-29
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. (TX)

After contacting XXXX XXXX XXXX XXXX to pay off a closed account, they re-aged the account by reporting it as a second account to Transunion. I have only had one account, a revolving account however the second account is showing as an installment account with an entirely new closing date. I'm aware that re-aging an account is illegal, just as well I'm aware that paying the account does not change the date an account initially went into default. I tried resolving this previously via the dispute process however both Transunion and XXXX XXXX XXXX XXXX deemed the information is right when clearly it is not.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, The XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX # XXXX have 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 an 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 2023-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (NJ)

I recieved written communications from a lawyers office which proves nothing as to ascertain proof that this account is 100 % accurate and is owed. I only have a copy of statements but where I'd my hippa form, my signature, my social and/or copy of identification? You are saying I owe {$730.00} but have proved nothing. I still don't have a copy of your license to collect in NJ, a signature, a copy of a signed hippa form or my social. Games need to stop being played and either provide all the information I asked for that you must furnish or delete.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/17 I used a 0 interest for 6 months offer from Wells Fargo and deposited {$4000.00} in my account to purchase a car. I have been charged huge account fees and interest rate when the offer was for 0 interest. I complaint 3 times and I asked for a statement that shows how the interested was calculated. All 3 times I was denied of the statement and an account representative said that the offer expired in XX/XX/XXXX. 

The 0 % interest offer was for 6 months and not for two weeks. Please instruct Wells Fargo to comply with my request for a statement that shows how the fees and interest was calculated. 

Thank you!
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

First and foremost, I made a payment to XXXX XXXX on XX/XX/2019. The applied all of this payment to EXTRA PRINICIPAL. They did not divide the amounts into principal/interest and escrow. I have called them NUMEROUS times to advise them of this error. 
This payment was to be applied as a regular payment towards XXXX. It is now XX/XX/2019 and I still have not had this corrected, even though I have reached out many times. 

Second of all, I still feel that the escrow calculation the bank is using is incorrect. My real estate taxes and homeowners insurance total XXXX per a year. If you divide this by 12, the monthly amount should be XXXX. I currently have XXXX in my escrow account. So even if a cushion is required, I have enough. I want an escrow analysis to be rerun and my payment They are charging me XXXX return check fee, which is incorrect. 

I sent a money order to them, I should have no fees. A money order can not bounce and there was no stop payment. 

Please have my payment reapplied and remove my fee. I am not sure what this lender is doing.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job and it is affecting me a big deal as i used PayPal quite frequently. They are holding my money and not letting me withdraw it, and this is illegal. 
My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2018-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

On my credit report I noticed a {$950.00} charge off listed by Kohl 's. On XX/XX/XXXX I sent a written request by certified mail to Kohl 's requesting verification of my signature as proof that this charge off is accurate. Kohl 's signed for my certified letter on XX/XX/XXXX. Kohl 's responded on XX/XX/XXXX with a computerized bill that did not bear my signature nor any signature for that matter. I sent a second request certified on XX/XX/XXXX of which kohl 's signed for on XX/XX/XXXX with no response and a third written request sent certified on XX/XX/XXXX of which Kohl 's signed for on XX/XX/XXXX and again failed to respond. Per the FDCPA Kohl 's is required to send my verification that I have an agreement with them to pay the {$950.00} with a document bearing my signature of which they are refusing to do. Kohl 's also failed to follow the FCRA 623-b, 623-a-3 and did not mark my credit report as disputed with in 30 days of my written request for an investigation sent by certified mail that they signed for on XX/XX/XXXX. Kohl 's has not responded to my last two written request but are continuing to report to the credit bureaus ( XXXX, XXXX, XXXX ).
Consumer complaint received 2021-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I have contacted XXXX, XXXX, Equifax, and XXXX XXXX in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that XXXX XXXX has reported this without proper verification and stated that it was public information and that they received the information for the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. It is impossible that they verified this information when it says XXXX and XXXX discharged. There is no way you can have 2 bankruptcies discharged a year from one another. Then there is another one reporting dismissed because it can not report because they have 2 listed discharged. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I received notifications regarding my credit report regarding the below items which are not mine and are either a result of fraud or a mistake : With TransUnion there is an inquiry from XXXX XXXX on XX/XX/XXXX. This was not me. 

With XXXX there are inquiries from the following which were not me : XXXXXXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX With XXXX the following inquiries XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX and XXXX  account and a medical bill.
Consumer complaint received 2021-08-17
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: CL Holdings LLC (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-04-03
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. (IL)

I'm writing this complaint to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2018-02-06
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: Liberty Holdings, LLC (IN)

XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (DC)

This information is incorrect and should be removed from my report. 
CREDIT ACCEPTANCE CORPORATION XXXXXX/XX/XXXXXXXX, MI XXXX XXXX They have payment being late 10 times and no payment amount. The vehicle was paid off. This credit needs to stop harassing me and correct the information being inaccurately sent to all the credit bureaus
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern. I have been looking at my XXXX XXXX past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX   card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I am a XXXX veteran who had XXXX outside of a VA facility, with a special authorization by the VA. I received bills and collection notices that I sent to my local VA for review. I was notified that the bills had been paid. However, the collection agency, Bull City Financial, refused to remove them from my credit report. I have filed dispute claims with 2 of the 3 major companies. This has destroyed my credit and has kept me from acquiring a VA home loan of which I desperately need.