davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (MI)

In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NJ)

Hello and Happy New Year! I received a review on my credit report when I took out a loan for my son. It's showing that XX/XX/XXXX they have this account, and this account was written off by XXXX and I received a letter stating it was written off XX/XX/XXXX so why is this reporting that the account was in collection as of XX/XX/XXXX. They re-aged the account incorrectly on my report. Also on my credit report they have the account number as XXXX and I don't have any record of this account number. I would like the open date fixed to the correct date or they need to remove this false information from my report with their company since I have no record of doing any business with them Also, on XX/XX/XXXX I spoke with XXXX, and they were sending me a 1099C form removing the balance owed so how is this account now with a different company
Consumer complaint received 2020-01-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (MI)

Submitted letter of student write loans right off, submitted current documentation from medical leave with notice of termination while on medical leave with proof of long term care and pending XXXX as well as submitted to the company that I didn't get to see my vehicle upon repossession as well as when I tried to turn in keys they told me didn't need my keys at the reposession place. While I am still pending SSDA/SSI from 2017 and it is stuck in appeals court they continue to not offer refiaancing and now it is affecting my credit. I have went above and beyond contacting them during my medical termoil and on XXXX XXXX XXXX XXXX have had family drive me across state just to get my possessions in the vehicle then they tell me that I can't fiancnce my car and i explained that I talked to original dealership and they would help me refiance the vehicle yet they refuse to budge.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX CO XXXX Balance XXXX {$770.00}
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance reporting missed payment in XXXX and XXXX of this year. The account has been closed for over 4 years. The payment history is in accurate and against the FCRA. I want it removed with the whole account or I will take legal action after this.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

We enrolled in the overdraft protection. After doing so we received a total of {$100.00} in overdraft fees. The employees are not informing us how this system works, until we get a overdraft fee and are like oh Im so sorry you didnt know how it worked. We deposited money into the account to cover the balance and there was another fee. The bank is TCF bank. They say that it was posted after the money was posted but online it shows no charge after our deposit. It seems like they are just making up reasons to not give us back our money, this seems like its illegal for them to do this, and we want to file charges.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited a check I received from my dad for college on XX/XX/XXXX it has now been 5 days since and Bank of America has closed my account and wont return the money to me. My dad has went to the place where he got the loan and they are saying the check has cleared into my account and they cant cancel and give us another check till they send it back. Well Bank of America has put a XXXX dollar hold on my account and is refusing to either give me the money that was in my account or tell me why they have closed my account. I am now on financial probation at my school because they are refusing to give me my money. I have went in to 2 different financial centers and have only received attitude from the managers. Telling me its gon na be 3-4 weeks before I receive my own money. How ridiculous is that!! On the deposit slip it said at latest my funds would be available XX/XX/XXXX. 4 days ago.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act the accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. States I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT
Consumer complaint received 2022-01-18
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. (TX)

I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.
Consumer complaint received 2022-01-18
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

In XX/XX/XXXX, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/22 to Equifax and XXXX to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  XXXX Balance XXXX {$770.00}
Consumer complaint received 2018-02-20
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 (NJ)

My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CO)

I NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH NAVY FEDERAL CREDIT UNION IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XX/XX/2018. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XX/XX/XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE XXXX ONE. I CAN NOT ACCESS MY REPORT ON ANNUAL FREE CREDIT REPORT.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital One Bk ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX. I was so angry and upset that i end up closing and paid off the entire balance. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (FL)

I did not give y Equifax permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

Please furnish a copy of the original promissory note redacting my social security number.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

I had a checking, savings and 2 Roth IRA accounts. a few weeks ago I got a notice that Ally decided to close my checking & savings accounts on XX/XX/XXXX - Today. So I made sure to transfer the money out of those 2 accounts. 
So today I tried to login. to my Ally XXXX accounts .. and I get the following message : Online Access Temporarily Blocked Your username is currently blocked, inactive or not enrolled. Please call us 24/7 for help. 

I called support and they tried to reset login but nothing helped. 


It seems that when they closed my checking and saving accounts they also blocked my online login and now they dont know how to resolve it! 

So now I don't know what to do to gain access to my Ally XXXX accounts.. and neither does Ally Bank!?! 

This after spending XXXX minutes on the phone with support and multiple holds and transfers they finally able to restore online access. 

Problem is, Ally Bank and Ally XXXX  are 2 separate entities but the user has the same login! so when Ally Bank closes a account and blocks online access, they are also blocking access to Ally XXXX without them even realizing it. 

Ally must correct this process cuz the same issue will continue with anyone else who has both All Bank and Ally XXXX accounts
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 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. (DC)

I check my credit report and notice some things that should not be in my Credit report. These accounts are actually stopping me from getting a personal loan. The account listed below does not belong to me. I sent in a mail regarding this and haven't received any response. I don't why its taking too long. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX. My XXXX XXXX XXXX XXXX Expires. I leased a new XXXX XXXX XXXX. XXXX changed the heavy engine to a lighter engine on the XXXX models. The car was much louder, and after 2 days I returned the car to the dealership and I got my XXXX XXXX XXXX back. 

The only way to settle the issue was to lease the next model up, a XXXX XXXX XXXX. It cost me more money, but the car was considerably quieter. It took four weeks to settle the issue and I was 30 days late on the payment that the dealership promised to make when I bought the original car. I was committed to buying a new car, which I did. XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have hurt my credit. They have exposed me to higher interest rates because of this negative report. But what adds insult to injury is that I bought new cars from them! 

XX/XX/XXXX. My daughter and I were rear ended by a hit-and-run driver. Our injuries have been difficult to overcome, along with dealing with the insurance company. We hired an attorney and XXXX did settle with XXXX XXXX XXXX XXXX, less {$1000.00} deductible. I paid the {$1000.00} deductible myself and the attorney is working to get XXXX to get me reimbursed. I have lost work as a result of the accident, and have been further damaged by XXXX. 

I have pleaded with XXXX to stop reporting negative information on my credit bureau, because the late pays were not my fault. You can see I pay on time. XXXX and Transunion are extremely difficult to communicate. They w
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (KY)

There are charges from XXXX XXXX XXXX  for mobile services which I never had. There is a charge of XXXX dollars in collections with ERC. Im not sure on the date of this but is believed to have been several years back. I do not use XXXX XXXX XXXX  for any mobile service. This was done under my maiden name fraudulently.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

My best buy Citi visa had fraudulent charges made to it on XX/XX/XXXX in XX/XX/XXXX. I was contacted by Citibank Best buy regarding the fraud activity on XX/XX/XXXX. I worked with a best buy citibak XXXX  on that date to identify the fraudulent charges. 

It is now XX/XX/XXXX I have filed a separate police report about the issue. Citibank Best buy has no record of my fraudulent report from XX/XX/XXXX made with their rep. The fraudulent charges remain on my account without the ability to dispute them. I was able to get a shipping address from one of the merchants that I included in my police report. 

The merchants themselves were able to identify that the charges were fraudulent in some of the cases and reversed the transactions Because of inconsistencies in the IP addresses and the shipping addresses or something. 

I basically filing this report because I have already gone through the fraud dispute process with XXXX XXXX  Best buy Citibank and they have no record of it I contacted them again today on XX/XX/XXXX, but I now have extreme distrust in the process and just want to make sure that I'm not getting screwed over in the scenario.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

I purchased a product originally advertised by PayPal credit, I ordered the product from a company called XXXX https : XXXX  When I received the product I realized they sent me an XXXX version of the product and was not functional for my American home, it was an expression machine with an XXXX type of electric plug. I quickly informed XXXX about the issue and they sent me a return label. I sent the product back, they acknowledged the return but I never got a refund. I contacted both XXXX and PayPal credit several times explaining myself about the situation. XXXX  say they accepted my return but PayPal credit hasnt cleared the charge from my account, this was almost a year ago and they keep calling me and have now billed me multiple times and have caused me to incur interests that have hurt my credit. I keep telling them I returned the product but they dont accept it. Anything I can do?