davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX  ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.
Consumer complaint received 2021-06-02
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: ID Analytics, Inc. (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I would also like a PIN number to protect all of the credit information. Ineed a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believesomeone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Consumer complaint received 2022-09-25
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)

Iam a Natural person, I am living human being, i have the rights under 15 U.S.C. 1681. 

Equifax i govern by the 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the Accounts listed below be REMOVED because : According to 15 U.S.C. 1681 : I have the right to PRIVACY and I did not give Equifax written Permission to Furnish these Accounts : Inquiries : 1. XXXX XXXX Date : XX/XX/2022 2. XXXX XXXX Date : XX/XX/2022 Accounts : Account Numbers : 1. XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX ) XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXXXXXX 6. XXXX XXXX  XXXX
Consumer complaint received 2023-03-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

The credit reporting agencies Equifax and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

XXXX, XXXX a loan modification was completed on my account. At that time, the FHA HAMP Loan Modification offered an incentive of applying a {$5000.00} payment to loan balance in year six. I have spoken to multiple Wells Fargo employees in the Home Preservation Department, and their Executive Office regarding the matter. All employees were oblivious, and one stated that my account didnt qualify due to it being suspended during the Pandemic, and also due to Hurricane Ida although I was working with XXXX XXXX  program that received Federal Funding to help homeowners with the suspended payments. Wells Fargo was/is working with this program, and my account did not default as there was an unforeseen Global Pandemic as well as a Catastrophic Hurricane. 

In XXXX, I was working with XXXX XXXX of Wells Fargo in the Loan Modification Department. Numerous signed documents, including the Dodd-Frank Certification ( DFC ) form was submitted to Wells Fargo dated XX/XX/XXXX and is a qualification for the HAMP Year Six Pay for Performance Incentive. The information regarding the Incentive can be found at XXXXXXXX Pay For Performance, or at XXXX Home Affordable Modification Program Year Six Pay For Performance Incentive. The mortgagee is supposed to submit an application to the government, for the Incentive payment to be disbursed. 

On today, I spoke to a representative at the FHA Resource Center ( Reference Number XXXX ). I was provided information regarding a lenders responsibility Under Section 6 of RESPA. Based on the HAMP Loan Modification, HUD must receive a correct and complete claim submission Parts A and B of form HUDXXXX via FHA Connection or FHA Catalyst within 60 Days of the execution date of the : Claim Type XXXX XXXX -FHA-HAMP Loan Modification . 

In Conclusion, I need this matter thoroughly reviewed by a knowledgeable employee. The proper incentive needs to be applied to my loan balance, or legal action will be taken as a violation of RESPA due to failure to comply with Section 6s provisions.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

According to the fair credit reporting act consumer reporting agencies are by law required to furnish accurate information with written consent of the consumer, Equifax has failed to do so by reporting Collection Accounts On my consumer report with no company name it is not my job to find out what company is reporting the information, Equifax has violated the FCRA laws by not supplying up to date and accurate information, Equifax has been under fire with lawsuits for the very same reason I am submitting this complaint I have supplied proof of such with an attached copy of my Equifax Credit Report I want the following collection accounts deleted as I never gave Equifax written permission to report any information about me in the first place, I will put the account numbers listed on these " NO NAME '' accounts for reference XXXX XXXX
Consumer complaint received 2021-06-02
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. (GA)

At present I am exasperated! I have endeavored to be patient yet it is very difficult to be patient when you feel that you are consistently being dismissed by someone. I think you neglect to recall that I am the client agreeing! " 15 U.S. Code 1681 - Congressional revelations and statement of purpose ( a ) Accuracy and respectability of credit uncovering ( 1 ) The monetary structure is dependent upon sensible and definite credit reporting. Mixed up credit reports directly cripple the viability of the monetary structure, and unmerited credit declaring techniques damage the public assurance which is central for the continued working of the banking system. ( 3 ) Consumer enumerating workplaces have expected an essential part in accumulating and surveying customer credit and other information on purchasers. The monetary system is dependent upon the sensible and accuracy declaring of purchaser workplaces. Exactly when you disregard to deal with your work notwithstanding the way that it harms me it impacts the monetary system. The monetary system acquires cash by crediting to clients like me. I have associated a couple of times protesting about the mistaken things on my purchaser report. Well I am complete whimpering. I demand you take out these off-base things or I will search for suit for the total of the encroachment and for the torture all of you have caused me by annihilating my remaining by uncovering mistaken things.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (NJ)

I lost my credit card and requested a new one and wasnt aware my gym XXXX wasnt receiving any monthly payments. Im currently 5 months XXXX  therefore I havent been going to gym, and it wasnt until a couple days ago when I went to cancel my membership that i found out i was past due on payments. I never received any phone call from the gym notifying me about this. I decided to go to my old address to check if I had received anything I came across a letter saying this bill was going into collection. Ive never missed any payment, I always have my payments on autopay and if I would of been notified about this I would of made a payment.
Consumer complaint received 2022-07-21
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. (MD)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX  XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (UT)

I received an email XX/XX/XXXX from Discover offering {$45.00} back when I activated a new membership using my Discover Card before XX/XX/XXXX. XXXX. 

I activated the membership on XXXX XXXX, XXXX in store using my Discover Card as directed in the email cited above. I told the XXXX XXXX associate I was using my card for the promotion and they said that should be everything I need to do. 

On XXXX XXXX, XXXX, I reached out to Discover to inquire about when I could expect reimbursement ( as it didnt show up on the statement Posted the prior week ). I told them the steps I took and was told that nothing else was required and I should receive the credit within 3 billing cycles. 

Today, XX/XX/XXXX, I reached out to Discover to ask about the credit and why I hadnt received it. I was told that I am not eligible for reimbursement for some unknown reason that XXXX XXXX and Discover Card can not communicate openly about and that I need to go to XXXX XXXX and find out why I am ineligible for Discover Cards promised reimbursement. 

They said they do not manually apply reimbursements and that if it didnt happen automatically, something was wrong and I would not receive it. 

They promised to share my feedback with the higher ups, but refused to do anything to fix the problem.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

I contacted PayPal XX/XX/XXXX and communicated with them throughout the morning on my request to have fees totaling {$61.00} returned to me. They are unfairly charging me a fee for requesting money from a close friend paying me rent. Where I used to have the option when requesting money to select friend/family or goods/service, I no longer have that option. Instead, I can only request the funds, with no disclosure that a fee will be accessed based on what the payer selects when they approve my request. Further, on the payer end paypal has admitted to me that it defaults to good or service, as opposed to prompting the payee to select. This results in the payee, if quickly trying to submit a payment, to be unaware they have more then one option. Their only solution is to return the funds to the original payee and have them resubmit the transaction. Further their final communication with me told me they would not be refunding the fees and they have failed to acknowledge the disclosure issue. PayPal should be allowing the requester to select if its friend/family or good/service and the payee to approve or deny before sending the funds. In addition, PayPal used to give the option for the requester to select friend or family but changed it without sending out proper notification to customers and then referred me to a different site to read about it. And finally, I had to send screenshots to representatives to prove that you could not select friend/family on the requester side because they weren't aware the option wasn't available to customers. Simply put, PayPal needs to have disclosures that the consumer can agree to before submitting. Even if they had a disclosure that said " a fee could be charged based on the options selected by the payee '' that would alert the requester would be sufficient.
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I had my mortgage with XXXX since XXXX. In XXXX I lost my job as a XXXX. I asked XXXX to give me a short term loan to cover property taxes until I could sell a property I owned. They said no. Even though I was a long term good customer. I borrowed the money on line, Paid the taxes, but they raised my monthly payment and turned my loan over to Shellpoint, a collection agency. When I lost my job again in XXXX, I missed 5 payments. I notified them that I had sold the property and closed for cash on XX/XX/XXXX. When the check cleared. I sent Shellpoint {$10.00}, then {$10000.00} and another {$10000.00}. I calculated I owed {$2100.00} x 5 and {$100.00} x 5 for penalties plus the {$5200.00} for the first payment of taxes. I later paid the second payment of {$4200.00} myself. I have been trying to right my account. The last modification Shellpoint sent me was for {$2200.00} for 40 years. That would come to {$1.00} XXXX. Plus a prepayment of over {$24000.00}. Paying the previous payment would be {$380000.00} plus taxes about {$150000.00} total {$530000.00}. They have funds of mine on hold. Not in escrow, for over {$20000.00}. They refuse to release them and apply the money to my mortgage. They also have not sent me an IRS form so I can deduct the amount and file my taxes. They have threatened me twice with foreclosure even though I have paid over {$70000.00} and can prove it.they have reported to the credit bureau that I havent paid in 229 days when I have paid them 4 payments of as Shellpoint requested when XXXX contacted them earlier this year. I requested a written explanation of the extra amounts they are demanding. I also requested of XXXX XXXX that I be sent the IRS form 2 weeks ago and have received nothing. I am XXXX XXXX XXXX and on Social Security. I would like this resolved. I feel like they just want to take my house which is niw worth around {$490000.00} or more. Please help me.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was selling computer on XXXX marketplace and I was notified by potential buyer asking about the item. Asked if I had XXXX and said yes But Ive never used it before. He walked me through it and told me that hes going to send {$2000.00} and to send back XXXX. Due to security of XXXX and not enrolled in business merchant. I did not think it was fishy at the time. So I sent XXXX. And I got an email from now that I needed to send another XXXX. Thats when I realized I was being scammed. I have all his info and the emails supposedly sent by XXXX.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I sent a letter to Barclays Bank ( USPS Tracking XXXX   XXXX ) that they received on XX/XX/2018. In the letter I asked them to validate a debt according to the Fair Credit Reporting Act ) they are reporting on 2 of my credit bureau reports ( XXXX & XXXX ). However I've not heard from them.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MS SERVICES LLC (CA)

This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by MS services or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And MS services keeps adding interest to the original balance that has not been verified.
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the CRA 's when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.
Consumer complaint received 2018-05-07
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. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2021-06-01
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. (MO)

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX  {$6400.00}