davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I have a vehicle loan with Ally financial. I have been behind on payments.  XXXX  years ago,  Ally viol ated the FDCPA by contacting me in excess of  XXXX  times in a  XXXX  hour period. Almost immediately thereafter, they would accept my electronic payments, hold them for 30 days and then return the funds to my bank account stating that they suspected fraud. The payments had cleared an d Ally k ept the money for 30 days and then returned it. That action seemed retaliatory to me at the time, but I did as they requested and made payments through  XXXX   XXXX  and  XXXX   XXXX  for a period of time. The issue with that was, that after they returned so many of my payments, the amount I needed to pay was in excess of what I could send in a 30 day period through  XXXX   XXXX  or  XXXX   XXXX . Then, they took my online access to my account away, so that I could n't even see if or when payments were being applied. After the repeated phone call incident, I did not want to speak  to Ally  over the phone any more and wanted to communicate with them in writing, so they took all of my accesses away so that I could not get any information except what they  chose to send me in writing. I have been attempting to get the account back to current for quite some time now by making electronic bi-weekly payments of {$400.00} ( $ 800 monthly which is {$200.00} more than my monthly payment ). Ally has sent me email c orrespondence stating that they have options for me and can help me get my account back to current, but, whenever I respond in writing, I get nothing. I have to call if I want to take adv antage of the options, but, every time I call, I am told there are no options. Last week, I sent Ally a written proposed plan to get my account current and make bi weekly payments of {$500.00}  to get my account caught up. Today, after months of accepting my biweekly electronic payments, they sent a payment back that they had held, again, for 30 days or more. There was no reason for that action. However, the last time I spoke with someone at  Ally they stated that the only reason why Ally could not take legal action against   me was because I continued making those {$400.00} payments. It seems as though this is again, a retaliatory action by Ally to make it nearly impossible for me to ever get my loan current because I am limited in how much I can send via their accepted payment methods. I believe it is unfair for them to hold my payment for 30 days, knowing it has cleared my bank, and then return it saying the payment is fraudulent. Ally seems to be trying to get me in to a position where they can sue me, but I am trying to do every and any thing I can to get this matter resolved. I have been treated very poorly and unfairly by Ally who is a ctive deceptively and also taking retaliatory action against me first, for reporting their FDCPA violations and now, for attempting to come to an alternative agreement for payment to resolve this matter.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MS)

on XX/XX/2022 I was charged XXXX to a XXXX XXXX on PayPal this person got into my account and my money was taken off my credit card I have tried to get PayPal to fix this and they will not and they will not tell me why this happened or how this happened Paypal is now letting people rip people off and not doing anything about it this is now the second time this has happened and Paypal does nothing about it except say I am sorry
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

On   XXXX   XXXX   XXXX     the IRS withdrew a lien against me and my wife. I filed a dispute with Equifax and  XXXX  to have this lien removed from my credit report. Both agencies have reported the liens as verified even though I provided copies of the IRS form  XXXX  and this same form was recorded with the   XXXX   XXXX   XXXX   office on   XXXX   XXXX   XXXX   Transition removed this from my report within days of the IRS withdrawal however  XXXX  and Equifax have failed to do so despite submission of all of the legal documentation required.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I disputed a public record for removal on  XXXX   XXXX ,   XXXX   online, in regards to  XXXX  bankruptcies on my credit report that was not factual, and I received a response for both public records that they completed the request on  XXXX   XXXX ,   XXXX  . According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this public record display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the public records. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Inaccurate Information, no d ocumentation received, company agreed in writing they would delete and has not been done. paid accounts are showing as late payments, old accounts continue to be reported and they are paid and closed and are more t han 7 yrs old.   XXXX  is the worst they wont delete anything or respond to inquiries.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I am  XXXX   XXXX   XXXX  and on Social Security with an additional, small income to pay bills. I have a student loan from my son that I paid for many years until I was not able to keep up the payments, around  XXXX . Last year I followed up with   XXXX   and was able to rehab the loan fo r nine month s. I was shocked to see that what was originally a $  XXXX  loan become a $  XXXX  loan. After the rehab I was assigned to Navient. That was in   XXXX   XXXX   XXXX  . At that time the loan was deferred till   XXXX   XXXX   and I was told I could apply for income-based payments, as their initial payment structure was {$450.00} a month, well out of my budget. I completed the paperwork but received no response. I contacted them again, again with great difficulty, and I was told nothing had changed, I was not approved for  IBP an d I was not notified. If I had n't been stubborn enough to keep calling I would n't have known. I was then told I would receive an email with paperwork to reapply for IBP. I have not received it, nor have I been contacted. I logged in to my account and the loan is now at $  XXXX  and the scheduled payment is for   XXXX  .     I have paid off my ow n undergrad and g raduate loans in a timely fashion in the past, as well as loans and tuitions for  XXXX  of my sons. I have been making a loan payment to  XXXX   XXXX  for probably  eight or ten y ears and currently still paying {$100.00} a month to them. I 'm not a deadbeat. But from  XXXX  to  XXXX  and now  Navient ha s brought me face to face with the ugly scam that is student loan servicing. I would be satisfied to make a reasonable payment each month at a reasonable interest rate to remove this issue from my credit and make it possible to pay my other bills. But I ca n't seem to find anyone who will deal with me honestly and straightforwardly.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX  XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. EQUIFAX AND XXXX  ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for XXXX XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I am currently on  the REPAYE plan payin g $  XXXX  and my recertification application is due  XXXX / XXXX /  XXXX  . FedLoan Servicing is my loan servicer since I currently participate in the PSLF process.  FedLoan sent me message in FedLoans  paperless inbox on  XXXX / XXXX /  XXXX   requesting I send in my application to recertify my income fo r REPAYE. I  complied and submitted my recertification application to studentloans.gov on  XXXX / XXXX /  XXXX  .  FedLoan  acknowledged receiving my REPAYE recertification request on  XXXX / XXXX /  XXXX   stating they would inform me of any problems . FedLoan did  not tell me there were any problems with my recertification. On  XXXX / XXXX /  XXXX   I logged into my  FedLoan accoun t and viewed my new billing statement which claimed I now owed {$3600.00}. I received no paperwork regarding a new REPAYE payment amount nor any information regarding the status of my recertification application. I calle d FedLoan o n  XXXX / XXXX /  XXXX   and was told that my REPAYE recertification application was sent " too early '' and that it was closed out without any notification to me. The phone rep stated she would forward the matter to her supervisor and they would work with a loan servicer to remedy the issue. However, the phone rep indicated this is a lengthy process and I  may lose a month of payments toward PSLF. I f this issue is not rectified then I will owe an impossible payment of over $  XXXX . I had no way of knowing that my recertification application was sent too early as I was only following the directions of FedLoan Servicing to recertify my IDR plan in  XXXX .
Consumer complaint received 2017-04-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (NY)

My ex boyfriend threatened me with a knife and went to jail on  XXXX / XXXX /  XXXX  . He then proceeded with the help of his niece to make  XXXX  fraudulent charges to my  XXXX   XXXX   XXXX  debit card.  XXXX  charge was for  XXXX  to  XXXX  on  XXXX , the second charge was for #  XXXX  to  XXXX  on  XXXX . I opened a dispute and they are claiming I am the one who made these charges when I did NOT. I asked in writing for the dispute to be reopened and I want the money refunded to my debit card asap.  XXXX  all of my information and stole it. This is identity fraud/theft.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was died of  XXXX  orange and we pay our bills even after he died. I have a Problem with  Chase  and  XXXX  because I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from Equifax,  XXXX , and  XXXX . I have the files where I sent information. They sent  XXXX  of pages of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  Chase  also that I did not open up.  XXXX , I am retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX     and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had Chase card with my husband over  XXXX  or 30 years ago and never was late. I had  XXXX  and  XXXX   XXXX  cards and never was late either. Please investigate for me.  Chase  sent over one hundereds of papers with statements and none with my signature on it.  XXXX  said I transferred money to a Chase account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Received  XXXX  letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with  XXXX  credit Bureaus  XXXX ,   XXXX   and  Experian si nce the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my  XXXX  report which made it seem like I had  XXXX  past due accounts instead of just  XXXX .  XXXX  reports originally showed as follows : Springleaf acct ending in  XXXX  balance {$3600.00} opened  XX/X/XX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened   XXXX     XXXX   acct ending in  XXXX  balance {$3100.00} opened   XXXX     XXXX   XXXX   XXXX    acct ending in  XXXX  balance {$3100.00}.   XXXX   showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts. Experian showed no   XXXX   accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XX/X/XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  X/X/XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed   XXXX   so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XXXX , Experian  (   XXXX  ) and  XXXX  (  XXXX  ) on  X/XX/XX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :  XXXX -  XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened   XXXX   {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XX/X/XX  {$3500.00} which is still incorrect.  XXXX  currently shows-  XXXX  acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XX/X/XX  {$3600.00}. Experian currently  shows-   XXXX   XXXX  acct ending #  XXXX  opened  X/X/XX ,  XXXX   XXXX  acct ending #  XXXX  opened  XX/X/XX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

In  XXXX  I financed a car from   XXXX   XXXX   XXXX   they sold me the car for  XXXX  with a 19 % interest rate, Unfortunate my car was totaled in   XXXX   due to Mother Nature, Hail Damage. I had GAP Insurance as well I was paying additional money to Regional Acceptance my insurance company   XXXX   XXXX   paid them  XXXX  and  XXXX  took the car as well. I have a debt still of  XXXX  and I have no car and making payments. I called to request a principle forgiveness I am not able to purchase another car since I have a not with them. I called to see if they could forgive the balance and they said no. They want  XXXX  after they took my car and they got paid insurance money and they gave me a ridiculous interest rate.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Nelnet, Inc. (MD)

I have a few student loans that 's not matching up &amp; I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  &amp; I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.