davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
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: AMERICAN ADVISORS GROUP (TX)

My XXXX  Report reflects AAG pulled my credit. My XXXX  Report reflects the company AAG hired, XXXX XXXX pulled my report for AAG. So who pulled my report ; AAG or XXXX XXXX or both? I request copy of report. AAG claims they properly pulled by report. AAG claims they had permissible permission to access credit report because of taped phone conversation. FCRA Section 604 ( a ) allows a verbal in ( 3 ) as stated " To a person which it has reason to believe ''. Who is this person at AAG?
Consumer complaint received 2020-09-10
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. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the Equifax Data breach. Delete ASAP those accounts or I will file litigation.
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX I applied for house loan, preapproved with {$200000.00}. Only changes made to my credit report was a Bankruptcy fell off XX/XX/XXXX, Equifax and XXXX   both added 56 points to my credit, then 2 weeks later removed the 56 points and XX/XX/XXXX, I reapplied for house loan, with same banks XX/XX/XXXX   XXXX XXXX/XXXX  XXXX, and was denied by both, XXXX  and Equifax claiming that I have derogatoriness against my credit report and XXXX score, while XXXX  has no problems and I have XXXX score. I called today, XX/XX/XXXX to Equifax, they claim I have good credit and do not see derogatoriness, and would not discuss the 67 points they removed after my bankruptcy fell off XX/XX/XXXX. He would not tell me my current score, but recommended I talk to their credit advisors XXXX, who do not answer and automatically disconnected. I have been paying all my bills on time, and only have 1 credit card with low balance, they claim I am 20 % in debt, I owe less than {$800.00} with a credit of {$15000.00} left. They just claim that 5 hard inquiries dropped my score, which I would not have had 5, had they not XXXX up my credit scores in first place. I am ready to buy house and can not get loan! Every month XXXX keeps dropping my score -2 points XX/XX/XXXX, XXXX -XX/XX/XXXX XX/XX/XXXX -5 XXXX No score chg, XX/XX/XXXX -3 ptsXXXX -XX/XX/XXXX pt XX/XX/XXXX -XX/XX/XXXXpts, without any reason, XX/XX/XXXX +XX/XX/XXXXpts for bankruptcy falling off after 10 yrs, no other changes prior except XX/XX/XXXX XX/XX/XXXX pts. My bills are all paid on time. No problems, other than XXXX  and Equifax have illegal practices going on!!
Consumer complaint received 2020-10-17
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: FORD MOTOR CREDIT CO. (TX)

On XXXX XX/XX/2020, I noticed that Ford Motor Credit Company had pulled my credit. This was done without my authorization. I called Ford Motor Credit Company and they advised that there was nothing they could do to help me in this situation. I am concerned that my credit was pulled without my consent and further worried that someone maybe trying to take out a loan using my identity.
Consumer complaint received 2019-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I opened a new account with Citi. I received a checkbook and a debit card. I activated the debit card and started using my account. I change my direct deposit to Citi bank and started using checks. Even though the money was there, the checks I wrote bounced back ( I tried to pay for daycare for my son ) and I was charged returned check fees by the daycare. 
I contacted Citi and asked what was going on. They said the checks were not activated. I said I have never heard about a need to activate checks ( I have a few accounts with other banks and I never had to activate a check in my life ) and was not informed in any way I need to do it prior to using the checkbook. 

I also so the money was debited from the account, but did not realized that they were credited back later.
Consumer complaint received 2021-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (VT)

I am in process of a refinance with my current first mortgage holder. I have a second mortgage with Keybank, that I took out last year. At the time this was labeled what they called a " high loan to value '' home equity loan ( closed ended loan ). We had an appraisal and the LTV was about 99 %. Fast forward to today, I have a closing scheduled to refinance my primary mortgage and lower the rate by 1.125 %, causing a $ XXXX/m savings, at the SAME term I have left XXXX payments, and KeyBank has DENIED the subordination, causing me to not be able to close. Keybank is stating they will not allow TLTV to be over 90 %. My issue is that they put me in this position and now will not " allow '' me to save money with my current lender. Nothing has changed since 1 year ago, in fact my credit and income is better, and value has only increased. I've never missed a payment and consistently pay MORE than the minimum. Refinancing will allow me to have even more funds to pay this loan off. It is not a line and there is no risk of additional exposure. 

I need to understand the reasoning here, and when I called I was told I could not talk to the decision maker and basically have no options to dispute this. I need to know how they were ok putting me here 1 year ago, and now are not ok with the position they put me in.
Consumer complaint received 2020-10-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from  bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late.

The current issue is that I got this call from Ally Asset Recovery and  the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX  XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was. 

XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery.

I then called back and got ahold of a supervisor and left a detailed vm  and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back. 

This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with. 

Wa XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2020-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (TX)

AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney This original creditor was XXXX XXXX during XXXX of XXXX. I was in automobile accident and was treated at XXXX XXXX  recommended by my attorneys. XXXX XXXX  had been paid in totality after the settlement of the accident and we were in communications with them prior to them selling the account to Amcol Systems. I do not owe anything to XXXX XXXX  and or Amcol Systems and their negative presence on my credit report is negatively affecting how I am viewed to lenders and my score. I am asking that they be removed from my credit report all together.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the XXXX XXXX  while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX XXXX  wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX  XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (FL)

Acima is on only on my XXXX  report. I have paid them XXXX dollars monthly that they took out automatically. My account has been deemed as late 30 days and 60 days however I was only late by a few days, nagain which are the days they took the payments. They are saying they got XXXX, but no payments on XX/XX/XXXX-XX/XX/XXXX. I paid them offnin XX/XX/XXXX but they are reportingXX/XX/XXXX. I have the receipts they emailed to me. In XXXX there was 3 payments taken. This company is ruining my credit. And XXXX  system won't take thebproof, the proof, emailed and uploaded the proof and mailed it in. Please help
Consumer complaint received 2022-08-05
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)

Considering recent investigations brough upon Equifax, I find that my consumer file is being irresponsibly tampered with. Congress made it clear that you the consumer reporting agency assumed this role to operate in fairness, impartiality, and respect my rights to privacy as a consumer pursuant 15 USC 1681a ( 3 ). Equifax was unfair, partial, and failed to respect my rights to privacy as the consumer pursuant 15 USC 1681a ( 4 ). I never instructed Equifax or any other Credit reporting agency to furnish my report or to even create an account on my behalf pursuant 15 USC 1681b ( 2 ). Again, you never had permissible purpose and I never consented to this report in the first place and the fact Equifax didn't exercise their grave responsibility
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (PA)

I obtained this loan not realizing how bad the interest rate would really be and what it would mean to me. My loan initiated on XX/XX/XXXX. I eventually made arrangements to pay what I owed off at the rate of {$100.00} a month. I have been doing this for the last 6 months. I have more than paid the amount that I owed yet I still owe {$710.00} as of today.
Consumer complaint received 2020-11-26
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal, I am writing to express my disappointment and frustration regarding the permanent limitation of my account ( Ref ID - XXXX ). I have provided all of the valid documentation requested by your verification system and completed all of the required steps. 

I understand that your company has certain policies in place to protect against fraudulent activity, but I can assure you that I have not engaged in any such activity. I have used my account responsibly and in compliance with all terms of service. 

The permanent limitation of my account without a solid reason is unacceptable and extremely disappointing. Furthermore, as per the US law, The Electronic Fund Transfer Act ( EFTA ) and Regulation E, you are obligated to provide a written explanation of the reason for the limitation and the steps the consumer can take to have the limitation removed.

I request that you conduct a thorough review of my account and lift the permanent limitation as soon as possible. I also request a written explanation for the limitation and the steps I can take to have it removed.

I look forward to your prompt attention to this matter and hope for a positive resolution.

Sincerely, XXXX
Consumer complaint received 2020-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Hello Digit, LLC (NJ)

As of XX/XX/2020 I have not been able to save anything using the money saving app called digit. I use this app to save money without having to actually do it myself for pennies on a dollar. Id like to be able to continue using this service.
Consumer complaint received 2022-10-05
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EQUIFAX To whom it may concern : EQUIFAX did not do a proper " investigation '' according to the FCRA. FLAGSHIP CREDIT ACCEPTANCE Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
Equifax did not do this. 
Also Equifax has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
Equifax stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in XXXX. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account FLAG SHIP CREDIT ACCEPTANCE the dates last active are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
Please delete this account from my report as this investigation was not properly done following the FCRA. Also due to the false information Equifax allowed to report on my credit report even after the investigation. Which is negatively impacting my reputation and charcter. 
Thank You
Consumer complaint received 2020-11-26
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)

FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

My personal information is incorrect, please remove /delete any and all addresses on my credit file except for the one thats on my government issued state id .... attached. All others I never physically resided at. See the Attached
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

Hello Sir/Madam, I have several charges in my Chase account XXXX for last few months such as " insufficient funds fee '', as well as " incoming wire transfer fees ''. I was not given any disclosures, terms and conditions about those fees. 

They told me incoming domestic wire transfer is free when I opened the account. 

So I need them to provide disclosures about those fees that was given to me. If they don't have evidence of disclosure given please have them reverse those charges.
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.