davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: ALLY FINANCIAL INC. (TX)

In Accordance With The Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666 B a creditor may not treat a payment on a credit account an open end consumer credit plan as late for any purpose. Cease and Desist 15 USC1692 G,15 USC 1692 C
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. ()

Looked at my credit report on experian and it is showing XXXX ad 6 months I areas up until XXXX then suddenly in XXXX as up to date. It had always been up to date and I also find it weird how it then suddenly improves to not in arrears over 1 month. I have emailed as I find it very bizarre and is not echoed across my noodle clear score or equivalent report.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (AR)

On XX/XX/2022, at XXXXXXXX XXXX I received a call from Affirm Inc ( phone number- XXXX ) stating that my account had fraudulent activity and that she would help resolve my problem so I did exactly what she said to do which was use all my available balance ( {$1000.00} ) and make a virtual card and then after we would get off the phone the fraud department was supposed to call me after they were supposed to suspend the virtual card and prevent any fraudulent activity. I never got any call, email or text message about them fixing anything. 
Come to find out when I got on my account to see if it was fixed and the card was expired and there are XXXX different transactions ( {$950.00} and {$100.00} ) on it and I did not do either XXXX of them nor do I even know what the purchases even were. I didn't get any emails or anything about the transactions and now they are saying I am responsible for the loan when it was all because they called me and said I had fraudulent activity on my account and that was the way to resolve it. so I let them do their job or at least thought they were going to do their job but no my money gets used anyways and I'm getting blamed for it. I have filed a police report and got in touch with a lawyer. I have a few pieces of evidence I could email in if you would like the call log with affirms number and the time and date, the transactions on the account that also have no descriptions whatsoever on them, the police report, and what they have emailed back which all they told me was that I am responsible for the loan. Thank you for reviewing this complaint.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (MI)

There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years.
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (NY)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, u nder Section 611 ( 5 ) ( A ) of the FCRA- th ey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I traded in my XXXX to XXXX XXXX financed by 3 months before the termination of my lease and purchased a XX/XX/XXXX Escalade with 0 % financing. 4 weeks later I had to turn in the XX/XX/XXXX Escalade as the dealership had made a mistake by offering 0 % financing on a XX/XX/XXXX I turned the car in and they replaced it with a XX/XX/XXXX XXXX which I have today and is being financed with Ally. 
I turned the Hummer in early ( 3 months ) at the request of the dealership as they told me GMAC ( purchased by Ally ) had a promotion where I could terminate the lease early as long as I was purchasing another vehicle financed by GMAC. This is what I did. It appears the dealership never turned in the proper paperwork. It took me 2 years to straighten out as the GM who handled the deal, had left the dealership. They finally admitted their error and paid off the remaining outstanding balance.However Ally has reported this transaction to the credit bureau as late and a write-off which is just not the case. This reporting has had an adverse effect on my credit rating and has impacted my line of credit.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

When Cosco no longer accepted XXXX I walked into the store and was guided to an area where I signed up for a new Cosco credit card at which time the sales rep said the interest rate was 8 % and that was it so I believed them and signed up well when I checked my statement come to find out its 15 % and 29 APR which is something that was not told to me I called and explained that they was false and that I need my interest rate lowered and Citi Bank Cosco said sorry but they cant help me I am not rich and I have great credit but now because I was sold on lies they refuse to help and at least lower my interest rate at least to 10 % if not 8 which was told to me at the sales counter at Cosco I want them to do what was told to me at Cosco
Consumer complaint received 2017-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SUNTRUST BANKS, INC. (CA)

Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update. 

Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years. 

Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX?? 

I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect?? 

We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (PA)

This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone. 

The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP (NY)

Rec 'd letter back from XXXX from a person named XXXX. She states that the education loans have a cap of 25 %. Math is black and white. The loans I have have a 48 % interest rate. It is now my understanding the they can compound interest until they get to 25 % and then they have to stop. This surely would be in the best interest of the young adults with school loans, car loans, mortgage payments and babies mouths to feed. It surely would be in the best interest of our country to have educated people and who were n't afraid of loans like they are of bad marriages. If you can do Math, you can figure out, not like XXXX, from XXXX, that the loan I am a co-signer on is 48 % interest. Here are the figures : Original Loan Amt : XXXX. Total Amt Paid : XXXX. Remaining Balance : XXXX. And if the cap is 25 %, then all I owe is XXXX, and that is all I am going to pay, not XXXX!!! And for all the school loans, several people need to be hired to re-calculate this criminal usery and injustice to this generation who are raising families. My desired solution is to have my loan recalculated to 25 % interest rate, and everyone else 's school loans re-calculated to 25 % interest rate. By the way, most interest rates can not exceed 22 %. Thank you for doing something about this atrocity. This is an abomination to our next generation.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

On  XXXX   XXXX  we sent a payment of {$500.00 } to  XXXX  Barclay card. T hey cashed that check on  XXXX   XXXX  and we have the  XXXX  transaction in writing to prove that. I have called   XXXX  7+ times and spent over 7 ho urs on the phone with   XXXX   and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the  XXXX  records showing that this was cashed by  XXXX  on  XXXX   XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and  XXXX  never has received anything but a " blank copy ''. I have sent a letter to  XXXX  stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

A few months ago, I bought some anti-virus software from a scam company called XXXX. They convinced/tricked me into thinking that I was receiving a refund and that I had double the money in my checking account ( Over {$2000.00} to increase of over {$5000.00} ). They were able to accomplish this because I gave them access into my laptop using a program called XXXX. So, I returned the extra money to them with my debit card and PIN since it was n't mine, and I did n't want to cause problems with a company providing me with what I thought was a legitimate service. When I went home, I saw that my checking account was empty. I called the bank ( JP Morgan Chase ) to complain about letting this happen, due to the fact that I 've never purchased anything for over {$2000.00} in my short time on this Earth because I 'm a XXXX in my XXXX who ca n't financially support myself yet. The bank said that they could n't do anything because it was an authorized transaction. I also filed complaints with the XXXX Police Department, the FBI ( still waiting to hear from them ), and XXXX ( the transfer company that was used to send all of my money to some jerk in XXXX named XXXX ). So far, nobody has been able to help me, and for some reason, these XXXX of XXXX ( refraining from swearing on here ) are still walking free somewhere in XXXX scamming innocent people such as myself, who are n't tech savvy enough to realize they are being taken advantage of by a company with enough resources to pass themselves off as a legitimate business. 

Anyway, when I contacted JP Morgan Chase, they said they could n't do anything because it was a debit card transaction authorized by my PIN number, and I basically did everything that I was n't supposed to do. These foreigners ( not being racist, but whatever ) used pressure tactics such as threatening to destroy my computer and forcing me to get into my XXXX and drive to XXXX ' XXXX ( a store I do n't like going to ) and send them all of my money to a foreign country never to return again. I want my money back, and I want someone to pay for this ( such as throwing these dirty people into a state penitentiary in order for their XXXX by criminals who are n't afraid to admit that they are indeed criminals ). I 've had it with the people in this world, and I want some form of justice.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: First Data Corporation (NC)

I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! 
From : XXXX XXXX XXXX.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

On XX/XX/22 I received an email asking me to finish signing up for a credit card w/ CHIME, a credit card I never signed up for. 

On XXXX/XXXX/22, I received an email stating that my CHIME credit card was in the mail and to verify my address. 

NOTE : I did not respond to either email ; I never confirmed by address. 

On XXXX/XXXX/22, a XXXX debit CC came in the mail. 
On XXXX/XXXX/22, I made 2 calls to CHIME, the second of which was successful in shutting down my so-called account. 

Of grievous concern- they had my social security number, date of birth, and additional personal information. 

We need to shut this down.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (GA)

Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.
Consumer complaint received 2023-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU (TX)

Creditors Bureau USA out of XXXX, CA is trying to collect a debt and reporting on my credit report that has already been paid by my insurance company ( XXXX ). The charge was originally from XXXX XXXX XXXX for {$550.00}. The insurance company claimed they weren't going to pay it at first but then eventually did pay it. The Creditors Bureau USA XXXX has been calling me and I don't owe anything.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: U.S. BANCORP (NV)

XXXX is the servicer of a now-closed XXXX credit card in my name. On XX/XX/2017 they submitted a negative item to XXXX, claiming the account is XXXX days delinquent. I have experienced this issue with this company before and I won the claim. 
They claimed to have called me about an overdue balance multiple times from a number ending in XXXX. They have my correct cell number and I can show call logs from XXXX indicating no calls to me were ever made. I called an agent to rectify the balance and I caught her saying that they only mail letters about overdue balances ; they do not make calls to get the account current. This is in violation of the Fair Debt Collections Act. Consumers are to be made aware of delinquent balances using any means on file. 
The agent told me the account was 40 days late ; not the XXXX days being reported to XXXX XXXX Since I had no way of resolving the overdue balance prior to Elan reporting it to XXXX, I have been unduly burdened. I want the account reported as " paid as agreed - never delinquent ''. This company 's practices are not in line with legal collection efforts. Consumers must be given the change to rectify overdue balances prior to reporting to the credit bureaus.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I had a loan through XXXX ( now Navient ) and they pushed me towards deferment when I could not pay my entire payments. This nearly DOUBLED my actual loan cost post-graduation. I researched income-driven repayments and had to climb MANY hurdles to get there, both online and on the phone with reps.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

Lowes issued me a credit card last XXXX 2016 and their customer service calls claim I am not current on my account. I recieve calls from Ohio and the XXXX on SUNDAYS AND HOLIDAYS. i HAVE NEVER BEEN DELIQUENT ON MY ACCOUNT.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!