davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
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. (TX)

I began aggressively disputing the below accounts in XX/XX/XXXX, I however have been disputing the accounts since XX/XX/XXXX when they first appeared and was reporting positively because they are not my accounts. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX My initial dispute online was I had no knowledge of the accounts. I had one XXXX account that is closed and positive and no knowledge of XXXX at all. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did. <P/>Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have 2 reports, I then sent TWO letters (XX/XX/XXXX and XX/XX/XXXX ) asking for validation for the debt since they were stating it was a verified not validated debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath. <P/>Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. <P/>
Inaccurate reporting is occurring because : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NC)

My car was wrecked on XX/XX/XXXX and deemed a total loss on XX/XX/XXXX. One week later the insurance total loss adjuster established the total payout amount for the car. I gave the adjuster the finance company contact information in order for her to get the total payout amount for the wrecked vehicle in order to settle the amount due. Around XX/XX/XXXX I received a call from the finance company stating that my payment was past due. I informed them that I no longer had possession of the vehicle, it had been total loss due to an accident and that the insurance company were given their contact information in order to pay off the car. Immediately after I called the total loss adjuster and informed her of what the finance company stated concerning the payment, she stated they would " cut the check immediately. '' Three weeks later, after receiving no follow up from the insurance company or the finance company and assuming the payout check had been received, I noticed a change on my credit report. The finance company has reported my car payment as 30-59 days late and has caused my credit score to plummet. So I contacted the insurance company to see why they have yet to pay off this vehicle they now have possession of, they informed me that for 3 weeks the finance company hasn't answered their phone calls and is refusing to send a letter of guarantee in order for insurance to pay off the car. I contacted Ally several times in which they continually lied to me stating they have received no correspondence from insurance and refusing to allow me to speak to a manager or supervisor. Even with knowledge of the accident and after receiving numerous calls from insurance they have continued to add daily finance charges for each day they can drag things out. They are also continuing to report these bogus charges in my credit report, drastically affecting my credit. On XX/XX/XXXX I filed a complaint to the XXXX. After receiving the complaint, Ally finally acknowledged the correspondence from insurance and sent the letter of guarantee, which states that if they send the pay out amount the determined for the value of the vehicle they will take possession of the vehicle and own the vehicle. On XX/XX/XXXX the insurance company issued the pay out check, sending me a confirmation email when they issued it. Ally has yet to update the balance owed and continues to add additional finance fees although they have received pay out from insurance. They are still reporting these bogus charges on my credit report. They are also refusing to file the GAP insurance I purchased with the vehicle in the event of an accident, GAP would cover any additional charges that insurance didn't pay. I have not had possession of this vehicle since XX/XX/XXXX. This is not fair and should be illegal! Ally customer service is a joke! They will lie to you before you can take a breath. They all crooked and should be SHUT DOWN!
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (WA)

XXXX   XXXX   XXXX   XXXX   XXXX  fail to follow the WA Deed Of Trust  Act ( DOTA ).    XXXX   XXXX   XXXX  illegal foreclosed upon our home of  XXXX  yeats after Chase giveup their trustee of standing. quality  XXXX   XXXX   XXXX   XXXX    XXXX   broke the Consumers Protection law of WA  State RCW 19.86 CP A. The federal law will void all court orders for lack of jurisdiction because  Chase  give up Their trustee of standing that was filed in public records  XXXX / XXXX / 2011 . The scans that I have provided show  XXXX   XXXX   XXXX  lack the power of sale under WA state Law.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (CO)

The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (DC)

Hello. On XX/XX/2020, I took advantage of an offer to receive {$50.00} from eToro USA, LLC after I deposited at least {$100.00} and invested that money. On XX/XX/2020, I deposited {$200.00} and invested that money as directed by the terms and conditions of the offer. Per the terms and conditions, the {$50.00} was to be deposited into my account by the 30th business day from that date. The 30th business day would have been XX/XX/2020. As of the date of filing this, I have still not received the {$50.00}, nor have I have received a response from eToro from the numerous emails I have sent them.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax &   XXXX   XXXX   shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of   XXXX   who 's payments are current.
Why em i being denied as if I have some collection issues
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

DiTech  Mortgage  ( previously GreenTree Mortgage )  amounts are being reported incorrectly. There are " deferment interest '' amounts that were not authorized or agreed upon at any time during the life of this loan. There are " reverse cash payments '' listed on the account payment folios, i.e. payments sent via  XXXX   XXXX , direct bill pay  services-CASH  ONLY SERVICES, all listed under Reverse Payment-CASH. I have requested an explanation as I am contesting the validity of the amounts. I was given time frames and in such fashion, returned a response within the time given. The company missed their own postmark date from my initial correspondence for the time they allotted themselves to respond. They then tardily responded stating there would be an investigation to my inquiry and a resolution and response within 10 days, however the company has decided to first grant themselves an extra 30 days outside of the previously stipulated 10 days to respond and then following ( prior to that expiration ) with a " threaten to foreclose '' if the amounts are not paid to them. DiTech has been just as much of a nightmare  as GreenTree  was. The harassing phone calls, condescending tones, threats of foreclosures -- all while the account is supposed to be " current ''. Calls beginning on the DAY PAYMENTS DUE, or their " FRIENDLY REMINDER CALLS '' turning into some outlandish conversation that causes more stress than the fact that there has been no relief from these companies yet. There 's absolutely no proof of their bogus charges, or how you can reverse cash payments, etc-yet they are allowed to " legally '' foreclose on my home as this is what they are threatening to do.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (UT)

On XXXX while buying an XXXX XXXX ticket I responded to a promotion to open a cobranded card advertising XXXX  airline miles after {$750.00} spend in 3 months and another XXXX miles with a total of {$5000.00} in 6 months. During the same transaction I received a second promotion to receive XXXX airline miles after {$1000.00} spend in 3 months. Later in the same transaction I received a third offer to " earn XXXX  bonus miles plus, get up to {$100.00} in statement credits after qualifying purchases with this credit card offer. '' Which was offered to be applied to the ticket I was purchasing at the time. <P/>The card was approved but Citibank and the promo I received was XXXX airline miles after {$1000.00} spend in 3 months. The least favorable of the promotions offered and not the original promotional terms. <P/>I have contacted the bank immediately after the approval regarding the multiple offers and requesting clarification and was told the account was still processing and to call back after I got the card. Was also given 3 different phone numbers to call during the conversation. Have called the bank at least 3 times since receiving the card and am told I did not get more than one offer and that I received the offer I was supposed to get. I did capture copies of the offers while signing up so find the response incorrect and rather misleading.
Consumer complaint received 2017-06-04
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: Experian Information Solutions Inc. (VA)

I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .Thanks
Consumer complaint received 2017-06-04
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. (VA)

I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me   XXXX   out and my hippa has become worse because of the  XXXX , I need these removed .Thanks
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.
Consumer complaint received 2017-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

I paid in full XXXX $ to XXXX XXXX XXXX at XXXX on XXXX2017 by way of their online portal as outlined in XXXX XXXX XXXX. By XX/XX/XXXX I am receiving debt collection letters from Optimum Outcomes who states they now own the account, in addition to phone calls at least 6-8 times a day and weekends. The company has damaged my credit showing past due collections through credit reporting agencies with all accounts showing open and current collections. This has created significant damages against me, as I have been declined by a housing creditor due to the false information obtained in my credit report. I have disputed the matter with no resolution and disputing the matter through the credit bureaus additionally have shown no effect. This is not compliant with the Fair Credit Reporting Act.
Consumer complaint received 2017-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I had service with  XXXX  's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled
Consumer complaint received 2017-06-04
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: Experian Information Solutions Inc. (TX)

I sent a certified lett er to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.
Consumer complaint received 2017-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

My credit was stolen several years ago.  ( Around four to five ye ars ago ).   I was inform by IRS when I was going to do my taxes. To this date I still have give a pin number to do my taxes.   I do not know what this debt is about my husband & I are retire & are upset & & worried about this. I just found out today when I check m y credit score.    All I know that is fro m Ge Money B ank  XXXX . The amount is apro x  XXXX ..
Consumer complaint received 2022-08-04
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXard/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID has violated my rights. 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 an account without my written instructions.
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.