davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NE)

In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally. 


As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place. 

You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MS)

XX/XX/2022 at about XXXX XXXX. my kids dad sent money through western union for a XXXX gift for our son. The location I went to which is the only one in town. Their machine was unresponsive and I waited for almost 40 min to an hr. It still did not reboot. My child 's father canceled the transaction and was told they don't refund in store. It is almost night time and no one can tell him where or why his funds are lost. No resolve was even attempted on the company 's behalf.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (IL)

I am trying to refinance my mortgage and Factual Data/XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (FL)

At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.
Consumer complaint received 2020-11-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

I took out a CD for {$10000.00} in XXXX with XXXX XXXX. Interest rate XX/XX/XXXX%. Annual percentage yield XX/XX/XXXX %. Interest compounding daily. I HAVE the original CD receipt and all the original documents from when I took the CD out. In XXXX I attempted to collect my money back, and the bank was sold to Chase Bank. They told me my receipt is in the system that I in fact took out the CD, but because the bank is not required to keep records past 7 years, and the bank changed hands, I could not collect the money from the CD. It was lost! My money is gone. I spoke with a lawyer who advised that if the bank did not turn my CD to the state, and there is no record that I ever cashed in the CD, the bank is still supposed to honor my CD!!!! 

Parties involved are XXXX XXXX at XXXX XXXX - Wisconsin who I took my original CD out with in XXXX. On the CD it lists XXXX XXXX XX/XX/XXXXXXXX, XXXX and the date I created my CD XX/XX/XXXX. 

I filed a complaint with XXXX a manager at the main branch who took over the old bank branch in XXXX XXXX. His phone number XXXX. He said he would try to look further into what may have happened at the local branch. 

My case was assigned to case manager XXXX Chase Bank branch complaint escalation group you at XXXX extension XXXX and please ( reference case number XXXX ) who advised it was too many years since I took out the CD, the bank wasnt required to keep records, and there was a change of hands. My money is lost. 

I checked with the state. There is no record the funds were ever given to the state. 

A lawyer told me that is there is no record I ever collected the funds, the bank IS still required to honor my CD. 

Please help!!!!!!!!
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Whom it may concern, My home loan has been bought/transferred several times, I now realized one of those changes affected my credit score very badly. 
On XX/XX/2017 my mortgage payment was processed on time for {$1700.00} and also additional to principal for {$1000.00} ( attached NationStar statement as proof ). 
The lender made a change in its system that result on a system error, creating a Payment Reversal on the same day without any warning or notification. 

I received a call a month later, I was informed about the lack of payment for XXXX and the missing payment on XXXX, I submitted both payments right away ( also additional to principal ). 
I was told about the system problem, they promised to remove any late fees and clearing any negative report that could affect my credit score. 

I am contacting you to request your help on this matter, this negative inquiry to my credit was done recently ( 3 years later of the incident ). I do not think that I deserve to have this derogatory record on my credit score because there was not fault on my side. 

Please let me know what I need to do to fix this problem, I need to clear my credit score as soon as possible. 

Please find attached : Utility Bill, DL, Credit Inquiry and NationStar payments statement Thank you.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

Citibank NA denied my application for an XXXX XXXX XXXX account, citing the reason : " The credit privileges on your existing accounts are currently restricted '' They had closed my other accounts that they serviced and their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. Citibank decision was therefore unfair and discriminatory.
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

In XXXX of XXXX, Wells Fargo Bank offered a forbearance to customers due to the COVID-19 pandemic. My wife lost 100 % of her income as a XXXX XXXX due to the pandemic so we regrettably decided to take advantage of Wells Fargo 's program to defer 4 payments until the end of our mortgage repayment schedule. Everything was smooth for the 4 month forbearance and we began making regular monthly payments again XX/XX/XXXX. WF sent a notary to our home for us to sign off on the deferment of the payments. We completed this paperwork XX/XX/XXXX and were told that processing time due to high volume was 2-4 weeks. We continued to make payments only to realize via our online portal that the payments weren't being applied to our mortgage, but rather sitting as " unapplied funds. '' At the direction of WF customer service, we authorized these payments to be applied to the mortgage balance. Each time a representative applied the funds, a couple days later WF would reverse the payments. This has occurred every month since XXXX, now nearly 6 months later. My wife and I have now made more than 3 dozen calls to WF spending over 4 hours of our time trying to straighten this out. The claim has been escalated to the " Executive Office '' with the only explanation to us being that there is a " system issue '' with the settlement department. We've been told numerous times that the problem was nearing resolution, only to be deferred further. Our most recent contact XX/XX/XXXX, WF once again deferred resolution until XX/XX/XXXX. We need a resolution to this issue before then, as our account is now reflecting 4 months delinquent, despite our monthly payments being made.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-05-19
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I also just received a large amount of money from my phone that I sold so yeah. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the wrong hands.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (RI)

On XX/XX/XXXX, I made a payment of {$580.00} as reflected due on my XX/XX/XXXX statement. That payment was to cover for a due date of XX/XX/XXXX. The payment successfully posted. I logged in this morning and was alarmed to see a payment due on XX/XX/XXXX of {$700.00}. Now, I has also called about 6 months ago after receiving notification of tax payment due for my vehicle. I asked the associate if I could make payments over the minimum and when I do, would that automatically be applied to the balance I owe for taxes. She confidently replied YES. So, for 6 months I have been doing that, only to find that they have not been applied to taxes. Why would I overpay on a lease? On XX/XX/2020 at approximately XXXX XXXX EST, I made a call to Hyundai Motor Finance to discuss a concern I had with my payment due amount. I spoke with an associate that told me that I still owed the {$700.00}. I asked to speak to a supervisor. XXXX XXXX, supervisor at Hyundai Motor Finance, informed me that the website was incorrect and I owed nothing more for XX/XX/XXXX but would go ahead an resume my normal payment amount for XX/XX/XXXX. He also provided me with a confirmation number. Due to his lack of confidence on the call, I waited a few hours and called back at XXXX XXXX EST. The associate the informed me that I actually owe {$190.00}. She was unable to explain to me why her explanation differed from XXXX XXXX 's. I then asked for another supervisor and specifically requested to not speak with XXXX XXXX again but of course, he came on the line. When I confirmed that it was him I spoke to earlier, I asked for a different supervisor to which he responded, " There is no one else here. It's just me ''. He also advised that it " may '' be possible for me to get another supervisor so I offered to hold but he told me that y only option was to call back to " try '' to get someone else. At which point, I requested an address to submit an Executive Complaint/Escalation. His response, " We do not have that. There is no address to submit a complaint and your questions or concerns end here ''. I have been in the XXXX XXXX for over 13 years and I am WELL aware of the options to Escalate beyond the call center environment. So my next move is to call back for a 3rd time with the anticipation that XXXX XXXX 's shift has hopefully ended and see if I can get a 3rd amount of payment due from a different supervisor. This is not an acceptable response to my financial concerns. He/they did not help and can not provide accurate information and refused to help me.
Consumer complaint received 2020-11-30
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: CORELOGIC INC (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-04
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)

I have inaccurate information reporting on my credit report, I've contacted the company numerous amounts of times in trying to get this information corrected but still reports the information as verified when the actual creditors don't show the same information.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Good afternoon. On XX/XX/XXXX, I requested an US {$3000.00} online balance transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be credited on my XXXX XXXX Visa credit card. The credit requested was never received, but charged to my XXXX XXXX card. Fifteen ( 15 ) days after, on XXXX XXXX, I called Barclaycard Customer care dept. and requested to cancel the transaction because still wasnt received. They said that I would get response within 15 days. On XX/XX/XXXX, Barclay Customer care dept. wrote me the case No. XXXX was open but will take 30-60 days for solution. On XX/XX/XXXX, Barclay wrote me that a manager would contact me, but that also never happened. 

On XX/XX/XXXX, I made a complaint to CFPD, number XXXX and, as a result, the amount of US {$3000.00} was voided from my account, by Barclaycard. 

But after that, for my surprise, On XX/XX/XXXX, the same amount of US {$3000.00} was re-charged by the same amount and concept of transaction posted originally XX/XX/XXXX. Then, I made a new complain to Barclaycard on XXXX XXXX, XXXX. On XX/XX/XXXX, Barclaycard recognized the error by e-mail, and created a new case that would take 7-10 days to be solved. Recently, responding my e-mail sent on XXXX XXXX, Barclaycard Customer Care dept. wrote that a case has been opened for me, reference number XXXX, and that they have began a new investigation, wich can take up to 45 days. Naturally, I dont trust them.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (MI)

This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.
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 — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have always paid my bill on time with this credit company but sometimes its a day late or so but never 30 days late. I have a specialty card that i never use so i rely on getting notified of my bill when i have a payment since i go months without using it. I know that i paid every bill that i ever got. I never got a bill or a phone call. i recently tried to get a home loan and i noticed that they have a late payments reporting on my credit report from years ago and it is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Thanks
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Albert Corporation (CA)

On Friday, XX/XX/XXXX I received a debit card in the mail of an account I did not open. I have already placed an alert on all the credit bureaus and with XXXX several weeks ago due to fraudulent activity. 

The debit card was with a company called " Albert ''. I reached out to Albert the same day but they do not seem to have a phone number. I emailed Albert support at support@albert.com describing the account as fraudulent and asked to close the card. I included images of the card, the envelope the card came in, and information regarding the card. I received an email stating they would close the account if I confirm the name on the card and the last four digits of the card. 

As you can see from the attached emails, I already supplied that information, even in the subject line of the email. Many companies delay taking actions regarding fraud until I file a complaint with the CFBP. 

I am hoping for help so the company actually makes a real response instead of delaying action. Thank you!
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MI)

I first contacted city bank to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from XXXX indicating me that my credit sore drop XXXX point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop XXXX XXXX, in addition I never gave City Bank consent to pull my credit. I fill strongly deceive by both City bank, as well as XXXX. I tried reaching to XXXX to there supervisor XXXX XXXX via email but he has never replied. I talk with City bank they told me that they would have XXXX remove the inquiry immediately. Yet they have not I'm asking CFPB to have XXXX to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX XXXX.
Consumer complaint received 2021-01-22
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. (OH)

To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX DOB XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX