davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (DC)

Ally Financial has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked Ally to waive - are about {$1500.00} in late charges. Ally is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

. There should be no balance, past due, or monthly payment on an account that is no longer owed by the original company. This account was transfer/sold. 

I have researched and see that this is some sort of rental contract and I have requested the company, Online Collections, send me the signed contact of the account they are illegally collecting on. Each rep Ive spoken to have told me theyd send it out. They never provide it when I dispute it with experian. Instead, they just verify it. At this point, after reading the horrendous reviews that my peers have had with them, I understand why I had to come to the CFPB for assistance. 

This is ridiculous and should be classified as ILLEGAL. Please assist!
Consumer complaint received 2023-03-29
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: GOLDMAN SACHS BANK USA (CA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (OH)

On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. 

I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. 

All I want is to do is to be able to access my online account and this company REFUSES to assist me!
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I was aware of some suspicious activity on my account. I notified them. They said that I have nothing to worry about. A month later 9 or more transactions unauthorized happened in my account. I then notified them. They seemed uncaring and unbelieving. Multiple times I have went to them only to get pushed aside again and again. My account is negotiative and still active and me still unsure how to proceed.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (GA)

I was trying open account with Chase bank. They stated that I already have account with them. I never had account with Chase Bank. No even a credit card. They state that the account was open in XX/XX/2019 and still open present with negative balances. I had police report filed. I believe my ex spouse may have open a Chase account in my name using my information.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

Home Depot credit / Citibank has a very serious systemic issue with their store brand credit cards. When you place an order on their website ( homedepot.com ) for multiple items on their web site, they often break those items into separate charges. For example my total order is {$600.00}. There is a {$200.00} item, a {$300.00} item, and a {$100.00} item. These charges often appear as separate items on the statement. This credit card is automatically supposed to provide 6 months interest free on purchases of {$290.00} or more. However, when they beak the charges up behind the scenes they do not apply the promo pricing to the two that are under {$290.00} even though the only thing I saw as a customer was my {$600.00} total. I did not instruct or know home depot would break those charges up. This has been happening for years and just happened to me again today. They need to fix this else customers have to call. It's not correct. My order number for this scenario is XXXX. They broke it up into three sep charges and did not offer me promo pricing even though the order total was over {$500.00}.

The screen shot i attached show the three transactions even though i only placed one order.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (CA)

due to the current pandemic, i am unable to work. in XXXX california, where i reside, all non essential entities have been ordered to close or severely curtail their services etc. i am an XXXX XXXX and i am XXXX XXXX XXXX. because of my heightened risk for exposure to covid 19, i am following all social distancing protocols which further preclude me from carrying passengers in my vehicle. 

i have a 10,000 high interest loan from personify financial. i have reached to the company to discuss ways by which a viable and equitable payment arrangement can be worked out. because this is a very high interest loan, at 98 % annually, i requested that the interest on this loan be suspended or waived for the time that the pandemic is a health and safety issue. they have refused to assist in any way. meanwhile the interest is accruing daily and increasing the total outstanding amount. these loans are not designed to be paid off according to the amortization period of the loan which in this case comes to over {$33000.00} over three years on a {$10000.00} loan!!! my sincere intention when taking out this loan last year was to pay it off in a relatively short amount of time. but due to covid 19 those plans are no longer viable. 

in addition, this loan product was recently made illegal in the state of california by the legislature. this type of loan can no longer be offered to consumers in the state of california due to the exorbitant rate of interest. consumers such as me who happened to take out this loan before the legislative action are now stuck/in limbo in attempting to abide by the unfair and unconscionable rate of interest that the company is charging. 

PLEASE HELP ME!!!!!!!!!!!!!!!! I HOPE YOU CAN REACH OUT TO PERSONIFY FINANCIAL AND OFFER SOME REMEDY TO MY DILEMMA. 

Thank you in advance.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

Major banks ar denying applications to 0 % interest balance transfer offers ( before the pandemic they were readily available ), Si now the current rates are 27 % Agregious and loan sharking People are hurting and banks are rolling in the $
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have been trying for weeks to login into EQUIFAX disputes online via there website and my EQUIFAX account with no success I always get a system down message. I am a paying member of Equifax credit watch and am very annoyed I can not access my credit report!!! I have tried calling in and speaking to someone to fix this issue with no success.
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates of Maui, LTD (HI)

I was contacted mid last year from a random number that would not advise what company they were calling from until I verified myself. I did not because based off of the fair collections act they have to introduce themselves. I then disconnected the line. I later in the year reviewed my credit report and found a collection from XXXX XXXX. I called them and asked what it was about and why they had not contacted me, the account agent then said he did. I then recognized his voice as the person who did not want to say what company he was representing. He then advised that he did not have to say the company until I verified myself, which I knew was not the case. I later advised his supervisor or my issues, who said they would review and no one got back to me. He advised that they are supposed to say the name. I paid the debt because he advised he would handle the issues. All calls are recorded is what they said and they would review. I called today and requested the same supervisor and was transferred to the agent who again stated he only told me his name and not the company. I left a voicemail for the supervisor.
Consumer complaint received 2017-12-11
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. (GA)

This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Consumer complaint received 2021-11-27
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: CREDIT ACCEPTANCE CORPORATION (NJ)

ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX INDEITITY THEFT AND XXXX XXXX  WAS FILED
Consumer complaint received 2021-04-08
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. (AZ)

XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Consumer complaint received 2017-12-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I closed on my VA mortgage with XXXX XXXX on XX/XX/XXXX. The loan was initially serviced by XXXX XXXX, XXXX. My first payment was due on XX/XX/XXXX. We made our XX/XX/XXXX and XX/XX/XXXX payments on time. In XX/XX/XXXX, we received notice that our loan was being transferred to XXXX XXXX XXXX, and to begin making payments to them beginning with our XX/XX/XXXX payment, which we made on time along with our XX/XX/XXXX payment. During this process, we found out the Loancare did not send advice to XXXX XXXX that our XX/XX/XXXX payment was made, which we were able to quickly correct However, even though our mortgage was transferred to XXXX XXXX on XX/XX/XXXX, final payoff was not sent back to Loancare until XX/XX/XXXX. Loancare, therefore, marked us with a missed mortgage payment for XX/XX/XXXX, which caused our credit scores to drop and my wife was declined for a loan as a result. This is doubly upsetting because we not only made our payment to the correct mortgage company, but were supposed to be protected by RESPA, as the " missed '' payment was within the 60 window of transfer. I spoke to multiple reps at Loancare, who refused to help.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (CA)

PNC bank is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Consumer complaint received 2021-04-08
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. (AZ)

XXXX  Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2021-04-08
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. (AZ)

Prosper Account # XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This is my second attempt ; this debt is not mine. I have made attempts to let the company know that this debt does not belong to me. I've taken action with FTC. this needs to remove from my credit report. All three bureaus
Consumer complaint received 2023-03-29
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. (IL)

I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX XXXX via XXXX XX/XX/2023
Consumer complaint received 2020-08-31
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. (NY)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (CA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2017-12-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (LA)

On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Wilber and Associates, P.C. (WI)

Wilber and Associates , P.C . has contacted me non stop in regards to a crash were I was the uninsured driver and where XXXX XXXX sent my claim directly to them for debt collection with a report with the Wisconsin XXXX indicates that I had the right of way and the other vehicle crashed into me. Wilber again just called me after they took second payment from me to state that no payment was done and I needed to pay otherwise I would be breaking the law and my license would be taken and what not. Again I attempted to resolve the issue and set up payment although I dont believe I was in the wrong. They have also filed documents and I have received letters from the XXXX stating that I need to pay an even larger amount to the XXXX or my license will be revoked and the owner of the vehicle will as well. This is wrong!
Consumer complaint received 2020-07-23
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. (PA)

I was enrolled in school and XXXX didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with XXXX and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by XXXX points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.