davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NC)

XX/XX/2022, a letter was sent to me from XXXX XXXX  indicating that the bank had used a so called " credit score '' of XXXX from XXXX XXXX XXXX erroneously. XXXX XXXX XXXX, a subsidiary of XXXX, is NOT a credit reporting agency but a consumer reporting agency. Thus Ally Bank used a low score of XXXX from XXXX, XXXX XXXX XXXX XXXX of the factors leading to the denial of my loan request on XX/XX/2022. 
Ally Bank in black and white wrote, " Information about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision ''. etc. This is wrong! An injustice and misappropriation of a consumer report that has nothing to do with a credit report that determines the credit/spending/earning power of the applicant. Once again, it is merely a " consumer report '' with insurance information and residencies ; absolutely nothing about spending habits.
Consumer complaint received 2018-09-29
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. (IA)

I filed chapter XXXX bankruptcy on XX/XX/XXXX and the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX One bill for XXXX and the other bill for XXXX XXXX are not being undated as closed and as included in bankruptcy.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX XXXX, 2021, I refinanced my home mortgage from SunTrust/ Truist XXXX XX/XX/XXXXXXXX XXXX XXXX As a result, I had an Escrow balance of {$13000.00} with SunTrust that should be refunded to me. I contacted SunTrust on 3 occasions when I did not receive the refund via a check in The US Mail. Per SunTrust Mortgage the checked was mailed on XX/XX/XXXX. However, as of XX/XX/XXXX the check has not been received. I requested that SunTrust reissue a new check but send either overnight with signature delivery or transfer electronically via my SunTrust checking account. I was advised by SunTrust that no additional action would be taken until after XX/XX/XXXX. This unacceptable, this my money and want it right away. I am asking that my Escrow refund be sent to me immediately.
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I am a surviving spouse of a veteran, my husband died XX/XX/2018 he is the only one listed on the mortgage. I had no idea he was behind on the mortgage. I did later find out that at the time of his death he was working to get a loan modification but was not able to provide all of the documentation before his death. I have tried to talk with the company Select Portfolio Servicing to see if they will work with me to bring the mortgage current but they will not talk to me. I was also able to send in a copy of the death certificate. I just received a notice from an attorney 's office that they were proceeding with foreclosure. I am working with a HUD approved non-profit counseling agency and we have reviewed my situation and I can make payments if they will work with me. Please ask them to abide by the surviving spouse provision so I can save my house.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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 — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Ocwen has not ceased my PMI and my LTV is at 65 %. I have approached them thru email and they continue to send letters in the mail that state I need an appraisal. I understand the law is at 78 % LTV PMI is automatically to cease. 

My last email states this and I have no choice but to gain protection.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

( 1 ) I have been a card member with Citicards for more than 30 years. 
( 2 ) In the past year, I have reported to Citicards that I had not been receiving monthly statements. Since then, they have been notifying me when my statement was online, so I have been viewing my account and paying my monthly amounts on the Citicard website. 
( 3 ) On evening of XX/XX/XXXX I went on the Citicard website and made a payment of {$40.00} ( 4 ) Citibank then sent me a confirmation of that payment headlined " You're All Set '' confirming values " Before Payment '' and " After Payment '' ( attached - see " After Payment '' amounts ) ( 5 ) Shortly thereafter I went to the Citicard website and saw numbers much greater than the " You're All Set '' values shown as " After Payment ''. 
( 6 ) I got the run around when I called Citicard Customer Service on XXXX XXXX, XXXX ( 7 ) Following that call, I wrote my letter dated XXXX XXXX, XXXX to Citicards ( attached ) ( 8 ) That letter was sent via USPS Priority Mail on XXXX XXXX, XXXX. 
( 9 ) That letter to Citicards was verified by USPS as " delivered '' to Citicards on XX/XX/XXXX @ XXXX ( see attached USPS Confirmation of Delivery ) ( 10 ) I called Citicards today ( XXXX XXXX, XXXX ) to get an update. The Citicard representative, XXXX, stated that they had not received my mail, had no email address where I could send a duplicate and no fax number that would be received in a timely manner. 
( 11 ) After speaking with her supervisor, XXXX stated they would not correct my account back to the {$0.00} Minimum Payment Due and {$1500.00} Current Balance as shown on the " You're All Set '' page. 
( 12 ) A screen shot of the XX/XX/XXXX Citicards website verifies the inflated amounts, well above the " After Payment '' values with no transactions made by me during that period!
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (PA)

I lost my First Progress card over a year ago! I had closed the account after I lost it. They charged me an annual fee, applied it to the card, and then marked my payments as 30 days late in XXXX, and 60 days late in XXXX. I called them, made a payment and explained that I had lost the card and reported it to them. They apologized for the inconvenience and told me to dispute the account! I don't know why they couldn't help me and have made me go through so much! PLEASE HELP ME!
Consumer complaint received 2020-07-14
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} ASPIRE/DOE XXXX {$5700.00}
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I contacted USA on XX/XX/XXXX and notified them of a balance transfer of {$4000.00} that I did not authorize or initiate. I was told that it would be corrected within 2 to 5 business days. I made repeated phone calls to have the charge removed from my balance. As of today, XX/XX/XXXX, USAA has not removed the charge from my credit card. 

I called today to close my account with USAA and request a final payment. I was given a final payment that I will pay at the beginning of next week, XX/XX/2018. 

I have made numerous phone calls to USAA to resolve this problem. They have yet to remove the charge from my account. 

Because of that I called today to close my credit card account with USAA. I can only determine that they are incompetent. 

I will never work with USAA again, they failed to correct the fraud transaction in my account after I notified them the first day of the next week, a Monday, XX/XX/XXXX. It is now XX/XX/XXXX, and they have failed to reverse the transaction. 

Do not trust USAA, they will not protect you from fraudulent translations or transfers. They may not be capable of fixing the fraudulent transfers.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (NC)

I received a letter from National Enterprise Systems on XX/XX/2019 stating XXXX was going to collections because there was an account by XXXX XXXX XXXX . I never initiated and or applied nor received or purchased anything from this company. I am a victim of identity fraud. They also initiated several hard inquiries over the years gone unnoticed.
Consumer complaint received 2021-09-21
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. (TX)

I have been sending this company letter after letter for a year already for them to verify the information they have on file. After a whole year they have failed to update that information and have wasted my time. 

On the Accounts of XXXX XXXX XXXX and XX/XX/XXXXXXXX, Equifax has failed to provide the " Credit Limit ''. This is so unfair to me as a consumer as I'm trying to get my life together how are lenders suppose to get the correct debt to income ratio. 

I have all the letters and dates I have sent. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NC)

After signing up for just internet service ( high speed home service ), at the rate of {$40.00} per month. I signed up with the guarantee that if not satisfied with the service that I could cancel the service. After attempting to resolve the added on charges, which exceed the {$40.00} contractual signed documents. I was then sent a {$130.00} and {$160.00} bill for which the service was misrepresented. The services I received were extremely slow and charges were not what was agreed upon. So in contacting XXXX  and speaking to the customer service representatives and not coming to any conclusion. XXXX decided to send my account information to collections, resulting in damaging my credit standing.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate. 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

I paid off Wayfair in XXXX of XXXX. I received a bill in XXXX of XXXX  for fees because the last payment was a day late. Those fees were dropped. I may have gotten a bill in XXXX but ignored it because the debt was paid off. 
I got another bill in XXXX and thought is was a hoax so I emailed XXXX XXXX XXXX on XX/XX/XXXX. I also called and was told, once again, the fees were dropped. I just received another statement from them. 
Once I contact them, they speak to a Supervisor and the charges are dropped. 
Since XXXX I've gotten a monthly text/email from Comenity/Wayfair. 
I called the number on a text I received on XX/XX/2021 and was told again that the charge was cleared on my account and that I would received an email confirmation. Instead, I got a monthly statement.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

On XX/XX/2021 I called in to conns customer service to pay my debt for over XXXX and the company offered to settle for {$1400.00} and I asked the company if it would be removed from my credit report. They said that they will put settled for less than full amount and that they would remove it from the credit report. Ive called several times and the company keeps giving me the run around and no one will remove the negative closed acct from my credit report.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX, Bank of America changed my autopay options without my consent or knowledge. I had my credit card setup to pay the full amount due for the month, and they changed it to only pay the minimum due. While I was only charged a few dollars interest, I can only imagine how many people may suffer from similar changes without their consent. BOA confirmed this change occurred by the system and was not done by me, though they didnt have any explanation of why To make matters worse, when I go on the autopay now, I was told that the setting called Amount due means that it will only pay the minimum, even though right below it there is an option called minimum amount due which is supposedly minimum without fees. This is deceptive and misleading for people that want to pay how much they owe to avoid interest. The representative was helpful and refunded the charge but again, very shady practices on BOAs part.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (MI)

XXXX ( XXXX ) XXXX This phone number called me at least twice a day every single day for the last two weeks. They claimed that they were collecting a debt of {$140.00} that I had outstanding with XXXX XXXX. I hung up and contacted XXXX  directly and they said that I have no outstanding balance owed, nor have they contacted any debt collector regarding my account.
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

Anyone can photoshop these accounts documents for TRANSWORLD SYSTEM INC # XXXX. I requested ASSIGNMENT OF DEBT AND BIINDING CONTRACT FOR THIS ACCOUNT. Which was never provide as this not my debt. 

Please provide agreement, which I have a right to see and I want to know who was involved in the investigation with names, numbers and addresses.
Consumer complaint received 2018-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put on credit freeze on my Transunion account in XX/XX/XXXX. 
They have removed the freeze without my consent on XX/XX/XXXX and have allowed mutiple credit inquires initiated by an identity thief since, which affected my credit score. 
I have put back the freeze on my account again on XX/XX/XXXX. However Transunion allowed furthur credit inquiries from a leasing office in LA initiated by an identity thief on XX/XX/XXXX. I called Transunion but a Transunion person says any leasing office can retrieve my credit score even though I put freeze on my Transunion account. That is their  exception policy. 
In short, my issues are 1. Transunion allowed someone to remove the freeze on my account without my consent.

2. Transunion allows any leasing office to retrieve my credit score even though my Transunion credit account is frozen.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

The family is dealing with an illness and the attorney who was working on the file passed away. The family had to file bankruptcy to stop the sale. While in the process the XXXX XXXX 's job causes in to travel and XXXX is employed but dealing with an illness. 
They have gathered the documents and requested that the bank would give them a chance to workout some type of arrangement that they can make payments and save their home. We have a savings for the workout on the loan. XXXX has sent many applications to Selene Finance, but they claim they have not received an application since the attorney was working on the file which was back in XX/XX/XXXX which is not true. 
XXXX has submitted at least 10 request for a loan modification. 

This is urgent and there is a pending auction XX/XX/XXXX. We tried to get clarification of having a full package in for review before they will consider cancelling the foreclosure auction. They would never give an exact amount of days, now they tell us that it had to be 37 days. We have aqll required documents plus money to pay as a good faith payment. 
Please help us.
Consumer complaint received 2018-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 1st Franklin Financial Corporation (AL)

I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft NORDSTM/TD Account XXXX : XXXX This is not mine. 

4. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

10. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

12.XXXX Account XXXX : XXXX This is not mine.