davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (IL)

Exeter Finance sold my debt to XXXX XXXX. I contacted XXXX XXXX and settled the account through another third party XXXX XXXX. When I contacted XXXX XXXX about account updates and the release of the title to the vehicle they told me I had to contact Exeter Finance. When I contacted Exeter Finance they said they had to wait until XXXX XXXX to update their system to change the account to settled. I contacted XXXX XXXX and they said I had to wait two weeks for the update and for them to receive notification for Exeter Finance to release the title to them. Recently, I contacted Exeter Finance to see if they updated the file on the credit report to being reported as settled because they stated they do not remove settled debt from credit reports. Over the past weeks I received non stop phone calls from Exeter Finance because I filed a dispute. The employee even left messages. I called them to back to see the problem and I was never connected to the employee. Today the employee called me today asked me to check my credit report and told me the line was being recorded. Did what she told me to do but I did not feel comfortable. I called Exeter Finance back and they gave me XXXXXXXX XXXX XXXX number. I called again and asked for a supervisor. The supervisor told me that their practices are legal and because I filed a dispute online they have a right to contact me and ask me what is on my credit report. Is this legal. I only requested the account to be updated to settled by Exeter Finance and report it accurately.
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (PA)

on XX/XX/24 XXXX inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting XXXXXXXX XXXX to report it as fraudulent and was told nothing can be done.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Chime Bank put a hold on my account it has been 54 days no one has got back to me or anything. They have requested information from me which I sent on XX/XX/2021. They froze my economic stimulus payment and my state tax which Im entitled to by law. I have left several emails and still nothing you are not allowed to talk to nobody from that department. I have 3 tickets in still nothing. I know because Im XXXX they are not trying to help me. If I were XXXX they would not have me waiting on my money for 54 days. The least I deserve is a response back. This company is XXXX and needs to be shut down.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

My original loan was XXXX, over the past 30 years I've paid back XXXX and I still owe XXXX as of XX/XX/2022, over the past years I received phone calls from my servicer Sallie Mae and Navient in regards to forbearance and other offers to pay interst only amounts and also putting the interest and penalties on the back of the loan. Please help, thanks
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (DC)

Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''
Consumer complaint received 2021-05-27
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. (FL)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 4TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX TN XXXX ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-04-16
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. (LA)

I notified both Experian and XXXX  by certified mail on two separate occasions in XXXX and XXXX of 2020, with supporting documents making the companies aware that I am a victim of identity theft. Both companies placed a fraud alert onto my credit files, but has not investigated the disputes listed in the dispute letter. All I've received from Experian and XXXX  was a paper stating that a fraud alert was placed onto my credit file. ( PLEASE SEE ATTACHMENTS ) The FCRA promotes accuracy, and fairness of information in the files of consumer reporting agencies. The FCRA Summary of Rights also states that you required by Federal Law to physically verify accounts that creditors are reporting to your company within 30 days.
Consumer complaint received 2022-04-25
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)

Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX Inquiry XXXX on XX/XX/XXXX Inquiry XXXX  on XX/XX/XXXX I did not authorize any of these inquiries.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Lending Club Corp (OK)

On XX/XX/2021 we recieved an email stating a check we mailed was not received and that we needed to wire the funds. Knowing we needed to get the work done, we wired them XXXX {$90000.00} ). We called 4 hours later to make sure that they had received the wire. They in fact had received the check and did not request the wire. We called our bank XXXX XXXX XXXX immediately to get the funds back. They called Lending Club, the bank we wired to in hopes to get them to stop the funds from going to the person who fraudulently emailed us. Our Bank 's Operations Security Manager was told they needed to talk to us ( and so I called, requested to speak to the fraud department. They would never send me to the fraud department. When I talked to the FBI agent assigned to this issue and she suggested I call again and ask for XXXX in the Fraud department. I called on XX/XX/2021. I was never transferred to the fraud department nor to XXXX. I had to beg them to write down the information regarding the wire to get it stopped. I was promised a phone call by the end of business that day. I gave them my cell phone number so that I didn't miss it and I have yet to get a call back. Our bank is still getting the run around too.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klima, Peters & Daly, P.A. (MD)

XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : Klima, Peters & Daly, XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : Klima, Peters & Daly XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

This vehicle was initially supposed to be financed with my now ex-husband. I never signed the contract. I asked that the contract not be submitted. The dealership tore the contract up in front of me. I later found out that the dealership had already submitted the contract with my forged signature to Ally despite me asking that it not be submitted. I spoke with Ally and informed them this loan was fraudulent on several occasions. They suggested that I have the vehicle refinanced to remove my name from the account. The issue is that my ex-husband is in possession of the vehicle, and will not refinance it. 

Once the divorce was finalized I received court documentation that I am no longer responsible for this vehicle. All payments and collection activity should be removed from my credit report per this judgment. I spoke with Ally and asked them to remove the account. I told them I had the court documentation and was able to provide them with said information. They again requested I refinance despite me again stating this loan was fraudulent on their recorded lines. 

I have since disputed this loan with the credit bureaus, but they returned saying divorce was not enough of a reason to force Ally to remove this account. Again this account is FRAUD. That should have been sufficient enough to have my name removed from this account. I never actually signed the contract that was submitted. My signature was forged which I also explained to them. I have tried on multiple occasions to work with Ally in regard to this account, but they have refused to work with me.
Consumer complaint received 2022-09-24
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX Total XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} 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 2016-05-04
Product: Credit card — 
Issue: Cash advance — 
Company: CITIBANK, N.A. (NY)

My wife XXXX XXXX was denied a cash advance in XXXX ( she had pre notified Citibank of her travel to XXXX ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in XXXX when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. 
Complaint filed with NY attorney general follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 XXXX XXXX New York Attorney General The XXXX XXXX, NY XXXX Dear Attorney General, Thank you for your good work during your term. 
I sent the attached message to Citibank Credit Card. Through their neglect and incompetent polices they have left my wife, XXXX, without cash in the XXXX XXXX. 
Thank you in advance for challenging Citibank 's policy of denying cash advances ( {$230.00} ) where a client has provided advance notice of their travel ( XXXX ). 

Very Truly Your XXXX XXXX Cc : Citibank General Counsel- XXXX XXXX After talking with Citibank fraud department and requesting a supervisor ( wo n't be available for 48 hours ). I sent the following to Citibank by their customer message system. 
XXXX My wife XXXX notified you that she was traveling in XXXX. You have this on record. 
After her Citibank debit card was eaten ( was not returned ) by a bank in XXXX this past weekend for unknown reasons She went to the their branch to get a cash advance on her Citibank Master Card before she bordered a plane to the XXXX ( no wifi, no electricity ). 
UNFORTUNATELY CITIBANK BLOCKED A CASH ADVANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
For {$200.00} and she notified you she was there!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
She now is in the XXXX without cash ( or debit card ) and no trust in CITIBANK!!!!!!!!!!!!!!!!!!!!! 
What are you going to do about it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX your Quants for programing that stupid logic!!!!!!!!!!!!!!!!!!!!! 
Never had this problem dealing with XXXX. Will start pursuing other option since your people are worthless Internationally. 
You are liable if she is injured or marooned in any form because she does n't have cash!!!! 
WHAT ARE YOU GOING TO DO TO CORRECT THIS!!!!!! 
!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-05-27
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. (NC)

HELLO, THE AUTO LOAN ACCOUNT WITH XXXX  SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER XXXX IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has my account in the- {$900.00}. I have been contacting this bank for over a month to correct my account. This institution owes me money because of they reversed some checks in my account that was drawn on their bank from a pay out they old me. The institution stated that the check was deposited twice into a XXXX XXXX XXXX account the XXXX XXXX XXXX  provide sufficient documents showing that the checks was return to maker and Wells Fargo never paid the checks twice now Wells Fargo old me money I need to fix my account they owe me {$930.00}. This has caused me mentally and financial stress. This problem have not been resolved after going into the branch twice being told to re-deposit the checks. The checks are not being excepted in. Everyone seem to be lost every time I call. If we can contact us institutions to fix my account that would be great, and if they do not fix my account within the next 30 days, I would like to file a lawsuit against them for financial compensation.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

I had a fraudulent instance on my XXXX account whereas someone used my App to " pay off the balance '' of my account. Once i discovered this, XXXX was unable to stop the electronic payoff and advised i call my Bank. XXXX advised this is a new scam whereas they pay of the balance with my set payment type and then charge against my credit line once " XXXX  ''. I immediately called Chase on XX/XX/XXXX and ask for a " stop pay '' and gave them the amount of the transaction {$2500.00} and XXXX as the transaction name and company. They assured me they would put a stop pay on the transaction and even offered to waive the {$30.00} stop payment fee. Three days later, they " paid '' the transaction when i did not have money in the account to cover it. When i called to complain, they advised they would " take care of it ''. I called in XXXX and XXXX for resolution and was told it was too late. By that time, they were charging " fees '' against this item that put me in a negative balance taking funds from my payroll to cover their fees. They then turned around, closed the account and reported us negatively in check cashing circles and are sending demand letters for the now {$2700.00}. 
They should never have funded this transaction, they should have rejected it. I want to be made whole and our names removed from Bad Check cashing databases.
Consumer complaint received 2022-07-29
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)

This Complaint is formal notice that EQUIFAX has failed to respond in a timely manner to my disputed account XXXX  XXXX Balance Owed : {$3400.00}. EQUIFAX inform me to contact the creditor and I have done so. I have requested validation and has not produced it. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please FIX this item now.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AVANTE (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. ()

The complaint is about not being able to access my account on Equifax. In XXXX of XXXX, I discovered an identity theft that required me to access all of the credit agencies and make corrections. On year later, on or about XX/XX/XXXX, I discovered another problem that requires fraud alerts on the three credit agencies. There was no problem whatsoever with XXXX and XXXX. However, Equifax was and still is very problematic. When I login to my account, the message contact customer care always appears. After I contact customer care, they become frustrated because I am unable to access the account. I contacted Equifax on XXXX and alerted them the problem. This was between XXXX and XXXX of XXXX. After elevating the issue, I was informed about XX/XX/XXXX that I can not access my account and the reason is not specific. When I tried to get further information, my requests are ignored. I needed to set a fraud alert, review the data, and allow me to access the account to validate the data. Of course, I am not sure how useful or required this is since XXXX and XXXX are reliable.