davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WV)

I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KS)

we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. 
XXXX & XXXX XXXX XXXX XXXX, Ks XXXX
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

XX/XX/XXXX at XXXX there was a transaction of {$990.00} that was made via XXXX XXXX. I did not authorize the transaction. It was directly deposited into an account that has no affiliation with me. When I discovered this, I called Chime XX/XX/XXXX and requested the transaction be stopped. They refused and told me that it was pending and they had to wait until it completed to file a dispute and issued a new debit card. The following day XX/XX/XXXX, I called and requested a dispute to be filed and was told no and to contact XXXX XXXX. This is not right, if I called them immediately and let them know why not stop the payment? I've now been victimized twice.
Consumer complaint received 2022-08-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in XXXX, EQUIFAX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times into the three reporting agencies. TransUnion refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (OH)

My medical bills are paid by XXXX, Ohio XXXX, or XXXX/XXXX XXXX XXXX XXXX. 

The Revenue Group with the XXXX XXXX, Ohio telephone number XXXX calls incessantly trying to collect a debt I do not owe : XXXX XXXX, XXXX XXXX, XXXX, Ohio is who the company claims to represent. 

When " XXXX '' from The Revenue Group called earlier this morning, I explained to her that she was trying to double collect on a previously paid bill. XXXX asked me for my birthdate which I refused to submit. I did tell XXXX I would report to the Federal Trade Commission they were trying to double collect on a bill that was already paid, In the past, Ohio XXXX gave me a letter to give to XXXX XXXX and to this same or a similar debt collector regarding the issue of trying to collect from me. In that instance, the debt collection agency ignored my telling them that XXXX paid my bills, and they ignored the letter from XXXX. 

Presently, the XXXX XXXX, Ohio telephone number uses another telephone number because I do not answer. Both numbers harass by ringing incessantly on my telephone line. 

Today, I again spoke with XXXX to ascertain further information. She would not comply because I refused to give her my birthdate and information concerning my social security number. XXXX said she would send mail out to my home. I do not want mail coming to my home from The Revenue Group. 

Please, I need your assistance in getting this issue resolved.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I had XXXX XXXX XXXX XXXX account investigated in XXXX 2015. After the investigation was completed this account was removed from my Equifax Credit report. I just checked my credit report today and that same account is reporting again. Why do consumers have to go through investigating information on our credit reports and then in a couple of months the information that was deleted appear back on the report.
Consumer complaint received 2015-05-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My encounter with citizens bank has been horrible. Terrible customer service representatives horrible and very unfriendly people. My account was hacked and I incurred charges that were not mine. I 've yet to be completely compensated for all the of this. I call and call. And get hung up on again and again. I just wanted my account close!
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WELLS FARGO & COMPANY (AZ)

On XXXX/XXXX/2016, I did a settlement with Wells Fargo Card Services. They told me if I paid the Settlement amount, the will close the account and Delete it off my credit Report. I settled with them on XXXX/XXXX/2016 but I have not see it deleted off my credit History yet.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (NC)

It was XXXX of XXXX when I got a loan for a vehicle from Ally Financial. Paper work was done incorrectly from the start, it was a loan for my mother and I was supposed to be somewhat of an authorized user on the account. When we brought it to their attention they said it was ok and there was no need to change. As time went on my mothers job became slow and we were denied a refinance in XXXX or lower payments ( even though we were overcharged the XXXX blue book value and no one wanted it as a trade in at all the local dealerships. ) We did everything we could to keep up payments and it came a time we were begging for help with less than a year owed and they refused to take the monthly payments but instead wanted the full amount owed. Unfortunately we didnt have that kind of money and cleaned out the car to be picked up for repo. Once they resold the car I began receiving bills for {$9500.00} ( more than what was owed or the car value ) and eventually it was placed on my credit report for collections. I feel no one really wanted to help us in time of need but instead seen an opportunity to get paid twice and take advantage of the situation. Its not fair to pay for something I dont have and that has already been paid for especially when payments were denied when we were trying to keep the vehicle
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi My SSN got stolen, and someone using my SSN open a capital one credit card. I aware SSN stolen in XX/XX/2021. I filed police report and contact Capital one to dispute the credit card. I provide bills to show where I live, and provide the policy report. I ask the billing address on credit card. I find out Its a mailbox. I thought the person who own the mailbox is the person who stolen my SSN.capital one didnt do investigation at all. And they capital on doesnt care about this issue. They just want me to pay off that credit card and take their fault.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CO)

I called to settle a debt in the amount of {$570.00}. I asked if I paid the debt, if the negative remarks could be removed. He said they would absolutely remove the negative marks once I paid the debt in full. I then asked for that in writing which he refused. I then asked for a statement of my debt for verification. He also refused. When I expressed reluctance to pay him money without a financial statement of my debt, the debt collector threatened that if I did not pay immediately that his " one time offer " to delete it off my credit was off the table. He states " once you hang up the phone I can't help you because this one time offer is only good on the first communication, after that it is void " This quite honestly seems like an unfair practice to collect a debt. I have rights to receive a written statement of my debt which he refused
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

Walmart provides promotional programs with interest free as long as the amount is paid off in 6/12 months. I have 4 different promotional balances, two of which come due in 8 days. Balance on the older promotions are {$6.00} and {$10.00} on the other. My last payment did not pay these off totally so I added another {$50.00} payment. They would not allocate any of this {$50.00} to either older promotional purchases but only to the newest promotional purchase. I will have to pay all the promotional purchases off to pay off the oldest promotional purchases in order to keep the interest on those from being assessed to my account.

This is predatory servicing and lending. This is the only bank card that offers interest free promotions that will not allow you to allocate to each promotional balance specifically.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (IL)

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

I, XXXX XXXX, a consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX who is issued through Synchrony Bank XXXX I was notified of this denial of my rights specifically XXXX XXXX XXXX Truth in Lending Act via mail by XXXX XXXX XXXX According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX adverse action denying me my rights, of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to {$5000.00}. Since the letter XXXX XXXX sent me is both proof and evidence that I was discriminated against, they are now civilly liable to pay me for damages. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an authorized use since I have received NO BENEFIT.
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (MI)

I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (OH)

RushCard started a system update on XXXX XXXX that was to be complete on XXXX, it has been a week and the update has caused huge problems for cardholders. My direct deposit from work showed pending starting XXXX XXXX, 2015 and posted on XXXX2015, however the card has been showing inactive for a week. When you call customer service if you reach someone, they read this scripted message about a glitch in the upgrade and transfer you to another department which then rings and hangs up or you 're on hold for an hour or more and it just hangs up. I spoke to someone today, she pulled up my account told me how much my direct deposit was, showed it was posted but the card needed to be activated, transferred me to the activation department and the call went on hold for about XXXX minutes and then hung up. Now when you call the automated system has you put in your info, transfers the call, it rings a few times then disconnects. I have bee a RushCard member for a little over 2 years. I need to have access to my money. I have done everything RushCard has instructed me to do with no resolution to this matter. I know that thousands are affected by this and we need some help.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I disputed charges and Bank of America credited me the money only to turn around and close my whole account. Doing that also messed up my Unemployment claim and now i have 4 checks in the air. BOA did not even give me a chance to plead my case and show it wasnt me who made charges. Now they wil not talk.