davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am, XXXX XXXX submitting this complaint against Experian XXXX XXXX XXXX and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Experian XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions. 

WHICH I GAVE EXPERIAN NOT WRITTEN CONSENT!!!!!!!!!
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX and XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-02
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)

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But Equifax still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Consumer complaint received 2019-08-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Reverse Mortgage Solutions, Inc. (LA)

Legal Staff of Reverse Mortgage Solutions:

PLEASE STOP FORECLOSING ON MY HOME
WE HAVE A SIGNED REPAYMENT AGREEMENT AND 
YOU HAVE BEEN ACCEPTING MY PAYMENTS

Your company sure expedited foreclosure (SEIZURE NOTICE DATEXX/XX/2019 #XXXX) on my home of 20 years, simply because my signature was not notarized.  According to RMS, this is a HUD requirement, which you did notify me, was now required on every document because my signing hand is XXXX.

I am a XXXX year old woman.  RMS's Legal Staff unreasonable and unexplained delay to issue a stop foreclosure letter, given that I am in compliance with all terms of my reverse mortgage, is causing me EXTREME XXXX XXXX which at my age is practically elder abuse.

According to staff of the local law enforcement foreclosure jurisdiction,RMS legal staff has,for some unknown reason, not issued a letter directing them to cease the foreclosure process to sell my home.

Why not?

I am now in full compliance.

Three weeks ago, I have sent, by USPS Certified mail, RMS the NOTARIZED payment agreement for the flood insurance premium with payments due.   RMS
has cashed the check for the payments due for the month of XX/XX/2019 and XX/XX/2019

RMS's  delay in issuing the letter to the Sheriff of XXXX XXXX Foreclosure office is not only unethical and unprofessional, it is cruelly causing me, a XXXX  year old woman, extreme emotional distress. 

Please issue the letter to put a stop on the foreclosure sale of my home.

I realize that RMS, is located in another state, and so this lack of action potentially  involves interstate legal issues that may also need to be addressed if you continue to refuse to do your job; and don't stop trying to sell my house out from under me when I have been in full compliance with your requirements for several weeks.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diaz & Associates, Inc. (NY)

Again another debt collector Diaz & Associates has sent me a letter trying to collect a debt I already paid. In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Diaz & Associates. I have tried through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. They have even called my friends and family asking where I am and told them I owe money. Also they have threatened further legal action even jail. Im tired of these debt collectors selling my information to new debt collectors every time they find out I do not owe that debt. It should be illegal to sell information to debt collectors if the debts have been paid. Enough is enough I want something done.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I referred the amex XXXX XXXX card by email to my sister, and she applied the credit card with my email link. She was approved right away on XXXX. I was next to her, so I am 100 % sure she applied the credit card through right link. I opened the investigation on XXXX. But I did n't get any bonus yet. I contacted the amex several times by chat. They always said the same answer like the answering machine " it is processing '' that is it. I am not sure they really start to investigate or look it up. I understand it will take some times, but there is no willing to resolve the problem or explain the detail info to the customer. Plus, they did n't send me any email about my inquiry or any representative did not explain how is processing or why it takes so long ... etc I hope I can get any answer from the amex. 

The referral person was approved the card on XXXX Opened the investigation on XXXX Amex XXXX XXXX the bonus is supposed to be XXXX Thanks.
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

AmeriHome Mortgage is not refunding me my escrow money. I refinanced my home loan on XX/XX/2019. The escrow was paid out by AmeriHome Mortgage on XXXX in the amount of XXXX. There is a remaining balance of XXXX that AmeriHome Mortgage is due to refund me. AmeriHome Mortgage is not refunding me my money. The representative for AmeriHome told me that they sent me a check via an unsecured and untrackable mail meathod, and to no surprise nothing has been received. 

This problem is causing undue hardship toward myself and is unnecessary and unreasonable. 

AmeriHome Mortgage account # XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (NY)

I just recently disputed two XXXX XXXX XXXX, XXXX accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what XXXX XXXX XXXX. did with my paperwork but Experian contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. Experian does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages. 
I just sent copies of the letters I sent to XXXX XXXX XXXX along with my dispute to Experian to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of XXXX XXXX XXXX sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. Experian seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write XXXX words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?
Consumer complaint received 2019-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX  that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX  when they already have more money than XXXX. It is obscene.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

This company sent me a collection notice on XX/XX/2022 regrading an allegedly debt account. In my response, I sent back on XX/XX/2022 within the 30 day dispute period to ask for a debt validation, which is my legal right as a consumer. I received no response back from them. I then sent a follow up letter on XX/XX/2022 regrading this debt validation. Again no response back. I am no lawyer, but I do understand if I ask for a validation of debt, the collection legally have to response with proof of debt with a contract. Just this week, this collection agency has ignore my request to validate this debt and report it to the credit bureau.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion credit reporting service requires an initial {$24.00} charge to register an account to request a credit report that should be free/gratis ; then sends an e-mail confirmation of new subscription with a monthly, recurring charge as well as the option to terminate membership after the first month and initial payment.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I've reached out to Experian and this company no matter how many times I call, or police reports I file, will not remove these items from my report that don't even have my social!They are putting items from another person with another social on my report. They are putting another name, and addresses on my report as negatives.The accounts are not mine. The social doesn't match nor the name!Yet it's still in my file.I've paid them for their so called monitoring. I've spent hours on the phone and also sent a certified letter.Any and all accounts without the name Thomas Pizer are not my accounts.My social ends in XXXX  not this other number. I've sent them a certified notorized letter asking for the signed contracts for these accounts and nothing. No response. They also refuse to allow me to freeze my credit file.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

After my last dispute with Equifax, my XXXX score is showing my most recent missed payment is from 2 months. I haven't had a missed payment in more than 2 years, by error of the bank, and I'm still disputing.This need to be corrected as soon as possible, as the report is not showing any missed payment, in Equifax or other bureau.See attached score showing the error.Equifax is now reporting 2 of the three missing accounts they weren't before the dispute, but they still are not reporting a loan from XXXX XXXX. XXXX XXXX assured to me they are reporting to the three bureaus. I'd like this account reported in Equifax as soon as possible.Attached information for the company about the loan.I have tried several times entry in equifax to check the status of my dispute and the system always reject my entry. It is the only bureau is giving problems when I answer the verification question. I'd like they review and verify all the information they are reporting match with their own system.I have submit a claim form to request free access to my credit report offered by Equifax after the date breach. I'd like to know when I will have access to my data.Attached claim number.
Consumer complaint received 2019-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They keep trying to collect on a debt that i've disputed, is not on my credit report, and the statute of limitations  has expired on.  The name of the company is Portfolio Recovery.  They call me two to three times a day and are spoofing their caller id to show up as phone numbers that don't belong to them.  They are using the same tactics as robocalls and ive asked them to stop but they address rude and threaten me all the time.  They are calling me using a robocall and this is my cell phone which does not get free minutes.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Please refer to my CFPB complaint " XXXX '' dated XX/XX/2018. 
Wells Fargo denied me the {$200.00} cash back bonus with the reason that the {$500.00} direct deposit should have happened for 3 consecutive months in the response to that complaint. 

Now please refer to the complaint ( XXXX ) of my spouse " XXXX XXXX '' to CFPB about the same Wells Fargo promotion. He also failed to have {$500.00} direct deposit for 3 consecutive months. But Wells Fargo honored the {$200.00} cash back bonus for him. Why there is a discrimination or different treatment by Wells Fargo for different customers? 

I had 3 direct deposit of {$500.00} during XXXX and XXXX and I have initiated the direct deposit again to this account now. 
Wells Fargo please honor your {$200.00} cash back bonus for me also.You have to treat all your customers equally.