davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (DE)

My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2018-04-24
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)

On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. All f the disputed accounts are still under investigation per Equifax as of today. These accounts have been under investigation for over 3 months. This is not legal. This verifies that these accounts have not been verified per the creditor as they are not mine. The accounts are XXXX/XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. A fraud alert has been initiated on my account for months now and unauthorized inquiries are still being pulled on my credit. They are XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Equifax has done nothing to correct the incorrect information that is reporting on and destroying my credit file.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Consumer complaint received 2022-07-29
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-12-09
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. (PA)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.
Consumer complaint received 2021-05-04
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 (ME)

On XXXX my wife and myself were going to re-new our passports with the US State Dept. through XXXX XXXX. On XXXX we decided to cancel this order as we are elderly and probably will not travel. I contacted XXXX XXXX  via e-mail and informed them of our decision. XXXX XXXX  ignored our communication and posted two charges of {$49.00} to our Barclay card onXX/XX/XXXX.I contacted Barclay Card and filed a billing dispute. Case number XXXX and XXXXOn XXXX Barclay sent me a letter that they ruled in favor of the Merchant. On XXXX I sent Barclay a letter that we never received the merchandise we paid for as we canceled the order. I am not required to pay for an item I never received 15 USC ss 1601.Barclay has since sent me a statement that I must pay {$98.00} plus interest.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SUNTRUST BANKS, INC. (FL)

I had a Cash Rewards card from Suntrust Bank. I used it for a year or two.  And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX  report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees. 

I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (CA)

I called Citibank retirement services in XX/XX/2018 asking them if there were any fees in transferring my traditional IRA to an IRA with another institution. I gave my account number and all information. I was told that if the other institution requests the transfer with my consent there would be no fees. 
I was told to go into the branch to fill out the forms. 
I went into the Citibank on XXXX XXXX branch and asked again about the fees and was told there weren't any as long as they were not writing the check out to me and another institution was doing the transfer. I got the paper work and filled out the paper work and sent to XXXX the institution I was transferring the IRA to. 
I then receive proof of transfer from Citibank retirement services and there is a {$75.00} dollar charge. The transfer was done on XX/XX/2018. It is not stated if it was a wire transfer or check, but filled in the account numbers to my understanding it would be a wire transfer. 
I called Citibank retirement services on XX/XX/18 XXXX pm and spoke with the supervisor asking him to reverse the charges since there was no where online stating this {$75.00} dollar fee and I had called Citibank retirement services and went into the bank both times told there were no charges. The supervisor kept talking over me saying they had to send a check to the other institution and that's why. He also kept saying how there was no minimum to have an IRA with them. Ridiculous answer. There is no fee in most institutions for an IRA. I am giving you my business and depositing money. Outrageous attitude for a manager or a retirement plan. What does this have to do with me?? I transferred one traditional IRA to another and had the other institution handle this. Citibank didn't notify regarding the fee. Their customer service workers were unknowledgeable both over the phone and at the branch. Not a place I want holding my IRA. This is fraud pure and simple and this institution wasn't forth coming. I will be contacting an attorney and suing for damages. I should not have to pay this fee. If this was something that was sent in my welcome package 20 years ago this is still no excuse since my expectation is that when I call I will be told the information I need. They are also constantly changing polices. I should not be accountable for this fee and it should be reversed. I would also never open another IRA with this bank nor recommend anyone else to.
Consumer complaint received 2021-05-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

The company closed my account due to fraudulent charges. The card is paid by auto pay every month. Therefore closing the account for any late isn't accurate I'm a victim of fraudulent charges so some charges on the account isn't my. I have try to work with company without resolve. They are closing the accounts for no reason. My income has increase and my credit is stable, there is no reason to close my accounts.. first it was my at & t card, now it my XXXX  doe no reason.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (FL)

ALLY / XXXX XXXX : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR XXXX AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY XXXX  XXXX  XXXX ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
Consumer complaint received 2018-12-11
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: WELLS FARGO & COMPANY (AZ)

Wells Fargo pulled my credit without my authorization resulting in a hard injury on XX/XX/2017. I did attempt to call and I was advised to send a fax to XXXX or they dispute resolution unit and that they would get back within a 30 day time frame. I have faxed them my information it's been over 30 days and yet I have still received no contact from Wells Fargo and over the phone the agents refuse and or unable to advise me why they pull my credit or an update regarding the hard inquiry. Overall, I am under the impression that this is an attempt by Wells Fargo to illegal open an account in my name to inflate there open accounts numbers and make sales quota due to the fact, they refuse why they have pulled my credit.
Consumer complaint received 2022-01-11
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. (PA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

Around XX/XX/2018 lexisnexis sent me a letter stating that they deleted or removed case number XXXX from consumer reports prepared by lexisnexis and i have since forward to cfpb 4 times and each time i call XXXX they claim they havent received anything from cfpb i am uploading the information again please submit to XXXX .i need this issue resolved asap. XXXX is claiming that lexisnexis is verfiying the information as accurate. Please upload and send documents to XXXX.
Consumer complaint received 2022-07-29
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. (GA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 2021-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. 
Well 's Fargo response is inaccurate. Again Wells Fargo Sold the loan in XX/XX/XXXX when I was current on my payments and never Notified me that the loan was sold. I'm not talking about the foreclosure in XXXX that was also dismissed by Wells Fargo, I'm taking about the foreclosure in XX/XX/XXXX when the loan was Bought out by XXXX  The loan was sold in XXXX and the Billing statement from Well 's Fargo in my attachment confirms that. Well 's Fargo is speaking in circles and Avoiding the facts of my complaint. Well 's Fargo admits that XXXX and XX/XX/XXXX mortgage payments were made for those months on time. Why is it showing as 30 days late, and unpaid on my credit report for those months which needs to be corrected. Also again Well 's Fargo no longer had possession of the loan after XXXX then filed foreclosure. Meaning that the payment History from XX/XX/XXXX to XX/XX/XXXX should be removed from my Credit report.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Lending Club Corp (CA)

XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX Bank all send me a denial/rejection letter for application of credit that I did not applied for. In the past i have placed a Fraud alert and a Security Freeze on my XXXX, XXXX, and XXXX  credit bureaus and yet other have an open access and is using my identity fraudulent. : 1. XXXX Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX Bank XXXX XXXX   XXXX  XXXX XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX