davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/20 at XXXX I initiated a wire request through Ally Banks online website. This wire was to find our new home closing. After multiple attempts to contact Ally, we were given the information your wire will go out by the end of the business day. We were forced to wait at the title company for 4.5 hours until Ally issued our wire. I have held numerous bank accounts and worked at several financial institutions, and never have I seen delays such as this for wiring funds! Completely unacceptable practices from a consumer standpoint. 

Fast forward 2 weeks, and Ally Bank has now begun to issue my online bill payments via check to one of the largest financial institutions in the country. Previously, payments were being made electronically, but now I am required to give a weeks notice to schedule a bill payment since its being issued via check. Allys website clearly says if the payee accepts electronic payments then the payment will be made electronically, otherwise a check will be mailed. They are not following their disclosure!
Consumer complaint received 2020-10-20
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. (NJ)

I am a XXXX  at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXX placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Consumer complaint received 2020-07-13
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 — Investigation took more than 30 days
Company: Verisk Analytics Inc (NV)

I sent a email to XXXX XXXX XXXX on XXXX XXXX disputing information in regard to an in accurate bankruptcy reporting in my public record information being reported to XXXX XXXX. The process for disputing is either via email or by mail. I emailed a request on XX/XX/XXXX to XXXX requesting the dispute they advised they needed additional information which I provided my address, ssn I never received a response. I sent a additional email on XX/XX/2020 with my information again and never have received a response. I am requesting for this inaccurate information be removed from my public record information and XXXX XXXX credit file immediately for this is violation of my FCRA rights I have disputed as inaccurate the reporting company is neglecting to respond.
Consumer complaint received 2020-07-13
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)

on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (DC)

I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX ) has been unable to pull my XXXX credit report, after various attempts. The leasing office receives an error telling me to contact XXXX. I've been calling XXXX numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is using a company Core Logic to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my XXXX Credit Report.
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (VA)

TO BEGIN THE ARES THAT I HAD TO CHOSE FROM DON'T EXACTLY STATE MY CASE. 






XX/XX/XXXX REALIZED I WAS FINALLY GOING TO GET AN OFFER IN COMPROMISE FROM THE IRS. WENT TO WELLS FARGO ASK TO REFINANCE MY LOAN AND TAKE OUT SOME FUNDS TO PAY THE LARGEST CREDIT CARD BILL WHICH WAS WITH WELLS FARGO THEY SAID NO. I AM XXXX YEARS OLD AND XXXX XXXX  WITH XXXX XXXX. I IMMEDIATELY CONTACTED A XXXX XXXX XXXX TO HELP WITH MY PROBLEM.XXXX XXXX I SIGNED THE IRS OFFER OF COMPROMISE AND HSVE MADE EVERY DETAIL TO PERFECTION. I BEGAN PAYING XXXX  XXXX  XXXX FUNDS ALL I HAD LEFT EACH MONTH AND THEY SAID THEY COULD DEFINATELY HELP ME. THREE OF THE CREDITORS CHOSE NOT TO DISCUSS ME WITH XXXX   XXXX  ON WELLLS FARGE WAS THE LARGEST. AFTER WAITING 5 MONTHS DOING NOTHING TO FIND A RESOLUTION, THEY SUES ME. AS DID XXXX XXXX ON THE OHER TWOBILLS. IN XXXX THE XXXX I THINK. I WENT TO COURT FOR THE XXXX XXXX BILL I ASK FOR A BILL OF PARTICULARS NAD I WAS REGUIRED TO TURN IN MY GROUNDS FOR DEFENSE. WHICH I DID WHEN THE NEW TRAIL DATE CAME WHEN I WENT TO COURT THEY HAD ASK FOR A CONTINUACNE UNTIL XX/XX/XXXX IN XXXX THEY HAD SOME DISCUSSIONS WITH XXXX   XXXX  XXXX. WHEN I WENT TO COURT IN XXXX THEY AK FOR A CONTINUANCE UNTIL XX/XX/XXXX I TOLD THE JUDGE THIS IS NOT FAIR BUT I HAD ASK XXXX WHAT TO DO AND I DID NOT WANT TO BE A PROBLEM. MY MAIN PROBLIM WAS THE REASON THEY USED TO ASK FOR THE CONTINUANCE ( A WITNESS COULD NOT TRAVEL FROM IOWA TO TESTIFY AGAINST ME DUE TO COVID 19. I AM XXXX FROM XXXX XXXX, HAVE XXXX XXXX, HAVE XXXX XXXX XXXX AND PROBLEMS WITH MY XXXX. AND I HAD TO RISK GOING TO COUYRT 4 TIMES TAKING MY LIFE IN MY HANDS AND THEY WILL HAVE A HARD TIME TO EXLAIN WHAT THE WITNESS WOULD TESTIFY TO. ALL THE DOCUMENTS HAD BEEN SUBMITTED TO THE COURT AND I DID SAY THE AMOUNT WAS NOT WHAT I THOUGHT IT SHOULD BE BUT THIS IS A DELIBERATE ATTEMT TO TRY TO SCARE A XXXX  OLD MAN AND TRY NOT TO ATTEMPT TO BE RESONABLE WITH XXXX  XXXX  XXXX. THEY THINK IF I DIE THEY WILL HAVE A BETTER CHANGE WITH MY ESTASTE. THIS IS WRONG WIL NOT BE INTIMIDATED AND I PLAN TO OUT LIVE THEIR DELAYS. AND IF I DON'T I WANT MY ESTASTE TO SHOW WHY THEY SHOULD NOT OWE THWM ANYTHING.WHY DO THEY HAVE NO OBLIGATION TO NOTIFY ME OF THE CHANGES JUST BE CAUSE I CAN NOT AFFORD A LAWYER. IF I COME DOWN WITH COVIS 19 WITHIN THE TWO WEEKS FOLLOWING THE XX/XX/XXXX COURT DATE I WIL SUE THEM FOR ALLOWING IT TO HAPPEN. I KNOW I DON'T TYPE WEEELL AND I AM OLD BUT THEY SHOULD NOT BE ABLE TO ABUSE ME. I STALL SAY THE ORIGINAL DOCUMANT I SIGNED WAS FOR A {$6000.00} LIMIT ON THE CARD AND HOW IT GOT TO {$10000.00} I DO NOTKNOW. I WOULD JUST LIKE TOBE TREATED IFAIR
Consumer complaint received 2021-11-03
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. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts 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 may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me.

XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage Serv XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I received an alert that my credit score had changed. When I went to XXXX XXXX site I saw there was a hard inquiry on XX/XX/2021 from XXXX XXXX, XXXX XXXX XXXX. XXXX, RI XXXX. I had not authorized such anything from XXXX and immediately called them. No one could help me and there was no information. I then went to Equifax to dispute this but they said they could not make a change and that I would have to reach out to the FTC. That is why I have contacted you. My score dropped 3 points and this is unacceptable to me. Again, I did NOT authorize this hard inquiry and want it removed and also want to know how this happened. Thanks in advance for your help.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (LA)

SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

It's been over 30 days since i purchased the car cash in full and still have not received the title even though Florida statutes state the title must be received by the purchaser no longer than 30 days from the purchase date. I've gone back and forth with customer service too many times to count each time and told different things. I don't know why this has to be so difficult. The funds were taken out of my account a minute after I personally handed the cashier 's check to the dealer all I'm asking for is proof of ownership in return. I've submitted email requests; written requests done all they've asked with online forms etc. to no avail. It pains me that I even have to go this route but feel like I have nowhere else to turn.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (AZ)

M & T Bank is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of M & T Bank telling it my problem.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (MI)

The lease agreement terms was for the amount of {$1800.00} I paid {$680.00} at the signing of the lease and have paid a total of {$1200.00} in biweekly payments since XXXX totaling the entire amount paid to be {$1900.00}. More then amount leased I called to buy out of the lease agreement and they told me I'd have to pay another {$680.00} or continue to make payments until XX/XX/XXXX. None of this was explained to me at the time I purchased the stereo equipment. The store ( XXXX XXXX ) was contacted the same day that we purchased the equipment and they told us ( My sons father and myself ) that we needed to contact Tempoe in order to return the merchandise because it was leased through them. I then contacted Tempoe and they said that it had to be returned through XXXX XXXX. My sons father then took the receipt to the store where the manager kept the receipt saying that he'd get back to us on what needed to be done. None of this is equitable to me as a consumer and I was tricked into a lease agreement with none of the terms told to me everything was done on a computer so I was not able to read anything until it was printed off. I would like for this lease agreement to be handled as I've paid more than the amount that I've leased. This agreement is in violation of the Truth and Lending act I've paid more than 4 installment payments and have received no equity as a consumer. 
This is a Consumer Lease Agreement that has no signature from administering agent I was emailed the original lease agreement which does in fact have my signature but in order for it to be legal and binding it should have two one from myself and the administering agent. The company showed up on my credit report XXXX on XX/XX/XXXX this is my receipt of purchase, letting me know that this was in fact a consumer credit transaction. Pursuant to 15 USC 1605 a finance charge is the sum of all charges and is involved in every consumer credit transaction. No were in this agreement does it show me what the finance charge was which is deceptive because I was told my credit wasnt being used. This entire agreement is deceptive and misleading. I was not able to read anything at the time a signing my signature was provided in a small keypad with the computer screen turned facing the store clerk.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (GA)

Im a victim of identity theft. All the criminal charges that are appearing on my consumer report are fraudulent and dont belong to me. I dont recognize them nor did I authorize them. I ask that you follow the guidelines of the FCRA Section 605B and please delete and blocked all fraudulent information from consumer file. Attached is a copy of my Ftc, Police Report, section 605B of the FCRA and a copy of my Drivers license.
Consumer complaint received 2022-08-19
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: WELLS FARGO & COMPANY (FL)

WELLS Fargo Issued a secured credit card of {$300.00} dollars. they reported to XXXX XXXX dollars XXXX {$190.00} dollars and to XXXX {$4400.00}, the dates are inconsistent. the types of credit card is inconsistent. When I requested from them a validation of debt they took the liberty to add and change comments on my credit dismissing my request
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, my husband and I acquired a 72 month loan for {$19000.00} through JP Morgan Chase, as a lease buy-out for a XXXX XXXX XXXX. 
On XX/XX/XXXX, we were involved in an auto accident while driving the subject vehicle, and filed an insurance claim. 
On XX/XX/XXXX, our insurance company notified us that the vehicle was deemed as a total loss. The claims adjuster also stated that per the Department of Motor Vehicle, the owner of the vehicle was listed as JP Morgan Chase ; whereas my husband and I should be listed as owners and JP Morgan Chase as the lien holder. Unfortunately, XXXX XXXX is unable to payoff our auto loan that has a remaining principal balance of {$14000.00}, until we are listed as owners of the XXXX. 
I immediately contacted Chase, and spoke to a representative who confirmed the title did in-fact, list them as the owners, and he did not know why. The representative then said he would submit a ticket for this to be looked into, and I should hear something back by XX/XX/XXXX. 
Today, XX/XX/XXXX, I called Chase back to see if they filed for the title yet? The representative who I spoke to told me that they filed for the title on XX/XX/XXXX via XXXX. She stated it may take up to 60 days for the title to be processed ; and due to COVID, it may take longer. I called my local County Clerk and Recorder 's office to see if they received the title request and if there was anything that I could do to help rectify the situation. The County Clerk 's office stated they had no record of receiving the title request and there were no current delays with filing titles to vehicles. 
I then made another phone call to Chase, and spoke to a customer service representative who stated it appeared that nothing had been processed for our title at this time and she would send the necessary paperwork to their title department to be processed. 
In the meantime, I am responsible for making principal and interest payments for a vehicle that could be paid in full, had they processed the paperwork correctly. Chase has stated it may take until XX/XX/XXXX to investigate why they have not filed for the title. It may take up to 60 days to receive the title. It may take up to an additional 30 days after the payoff is received, to process the lien release. Again, during this time, the loan is accumulating interest. 
Chase has sent me miscellaneous loan documents to be re-signed multiple times. I have complied with each and every request. 
I requested for them to contact my insurance company in order to resolve this issue, but they were unwilling. 
What are my rights as a consumer? Is Chase required to forgive any interest/finance charges that are accumulating during this time? 
Thank you.