davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MO)

Ally Financial will not report on time payments from XX/XX/XXXX to XX/XX/XXXX. Numerous attempts were made to no avail ; they could care less. It's affecting my credit, costing me more interest and could effect my mortgage loan rate when we close on XX/XX/XXXX. Attached you will find where Ally shows a balance that was paid off in the amount of {$24000.00}. This is not accurate. See below for more information The payoff amount was actually $ XXXX..this is because we paid down the balance of {$24000.00} with our monthly payments and a balloon payment of {$1800.00}. Ally has refused to report the payments from XXXX through XXXX and instead are just reporting a balance paid off which is INCORRECT. They are required to report this accurately and correctly. They are not. Upon reviewing my credit report which is attached you will see from XXXX XXXX they have not reported a payment since XXXX of XXXX. It is my belief that they have cost me money with higher interest rates on my refinance in additional to having hurt my credit score by not reporting payments on this installment account. We close in TWO weeks on our construction loan and the difference in a 10 point increase in my score could save me $ XXXX over the course of our mortgage loan. This is not right and they need to be held accountable. I called Ally on XX/XX/XXXX and was told a supervisor would call me back. I received a call from a XXXX on XX/XX/XXXX who stated she would call me back on Tuesday, XX/XX/XXXX. That did not occur. So I called back in and got a hold of XXXX and she was very rude and abrasive. She told me theyre reporting the balance paid off and its correct. She ignored the fact that the credit bureaus, ALL OF THEM, have not reported payments since XXXX and that the balance is wrong. XXXX should be terminated immediately for her behavior and her inability to properly correct the information. I had asked for a supervisor to call me back and that did not occur either. I was told her supervisors name XXXX XXXX. I called back in again today and asked for XXXX supervisor and asked for a callback and nothing. They continue to LIE, and they are making no effort to rectify the issue. The State of Missouri should make them pay for this and we intend to sue Ally Financial if this is not corrected and the payments reported each month correctly and the balance that they showed for six months was incorrect. During this time two credit cards actually lowered my credit limit because of high installment loan balance that was not moving down because Ally was not reporting it. This alone is enough for real damages. This is completely unacceptable and as a consumer I am afforded rights. They are violating multiple state and federal laws. This can not be allowed.
Consumer complaint received 2023-07-22
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a Vanilla gift card for {$500.00} and when I tried to use the card online, it was declined. The phone customer support people couldn't fix the problem and said they'd send a refund check. I emailed them all the required documents to XXXX. It's been a week and they still haven't responded after sending several follow-up emails.
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have on multiple occasions disputed this account with Bank of America saying it does not belong to me and Bank of America continuous to say this a accurate account without any document verification. Under FCRA section 623 it pacifically states that they have to show document verification that associates me with this account and if not thay have to remove it from my credit report.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (CT)

Dear XXXX XXXX : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX XXXX. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute XXXX XXXX has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX XXXX credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

XXXX XXXX needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon investigating I found a number of falsely reported inquiries. I did not give the bureaus permission to give away my information to the companies on the dates started. Yet somehow by their placement of them on my credit repot they are considered verified without them having ever verified their validity or getting consent from me.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The list of Collections below should not be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (NC)

this is against american first finance and XXXX XXXX XXXX XXXX.. i was financed through american first finance and purchased merchandise through XXXX XXXX XXXX XXXX  i did not receive all of the merchandise but both parties were telling me otherwise. i was supposed to receive two twin beds with everything but that was not the case. they conned me. and lied to me and wont close out my account with american first finance
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX I have contacted Comenity Sony Card by phone ( which I have for 20+ years ) about COVID options. I've been given a generous 2 months defferral with no interest option. On XX/XX/XXXX got letter that Sony card INCREASING my interest rate to 24.99 % from 11 % without any reason. I've haven't had any issues with the card prior to my COVID request to defer the payment. This is unacceptable to receive a spike in interest for no reason when we are experiencing financial difficulties. The latest option they offered me is to close the account before the rate spikes, but how is it an option if I can't pay off my balance. In a negative rate economy, how is that credit cards are doing anything they want and keep sinking people to more debt? So basically the card helped me for 2 months with deferral and interest rate and now " catching up '' on getting all that back from me + more by increasing my interest rate. 

I want my previous 11.24 ( v ) % interest rate back.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sought to collect on loans and have created false information in my credit files as to a charge off in XXXX. 

The Superior Court of XXXX dismissed all of thier claims in XX/XX/XXXX. 

I have disputed entries on my credit report where the court dismissed thier actions.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

im havent been able to link my pnc banking to my XXXX  account for bank transactions for over 6 months. pnc says they dont know why thats happening, and XXXX  told me to contact them
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I send {$90.00} to my cousin in XXXX, she try to pick up the money the next day, true the companie MONEYGRAM they told her that the transaction was cancel or someone pick up the money, but she was the only person authorized for this transaction I talk to her, she doesnt get any money, she ask who sings they set theres no signature, I havent have any help from the company and have no been refund what can I do to get my money back?
Consumer complaint received 2017-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.
Consumer complaint received 2017-04-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Priority Financial Services (MD)

I was strung out for over 6 months attempting to refinance my home. They had me wait to make payments on my mortgage- but month after month, they could n't do it. I incurred late fees, which they said they would refund, as well as a {$500.00} appraisal that was never needed as they were never going to be able to close the loan anyhow. They gave me false hope and treated me poorly as a consumer to such a important matter. I wrote to them telling them what I 'm asking for and they turned me down. Poor business pratices
Consumer complaint received 2015-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank denied me access to my checking account. Due to profiling customers, deposits at the ATM were held ( disclosure was made at ATM regarding no immediate availability on deposited checks ). I was not able to access my account online or by mobile app. Upon inquiring via phone as well as visiting the XXXX Officed ( XXXX ), I was informed my account was pending closure and no access would be granted until the checks cleared. I accept the pending hold until the checks clear, I do not accept preventing me from viewing my account. The deposited checks were from my XXXX checking account which has direct deposit of funds received for death benefits for my husband who died XXXX/XXXX/15. The direct deposit in the XXXX account ( XXXX ) had not been received on the date the insurance company promised. I explained this to Huntington reps numerous times. 
I was told that nothing can be done about access to my account and they continue to hold this matter as a security issue until XXXX even though I explained the problem with my direct deposits at XXXX. I have been in contact with the insurance company responsible for the direct deposits, as well. I had checks returned by XXXX on a previous deposit and by profiling my account activity, the account is on hold to close. My SSI funds are due to be direct deposited into Huntington on XXXX. I want access to my account immediately. 
I needed checking account statements for my mortgage company and was not able to obtain them online. I had to order them from Huntington and they will charge {$5.00} each,
Consumer complaint received 2017-10-12
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. (WI)

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others.
Consumer complaint received 2016-10-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX  XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX XXXX {$22000.00} XXXX XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}
Consumer complaint received 2017-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD