davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (CA)

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Dealership ( XXXX XXXX, CA ) and Ally Bank was my financier. It was a 3 year lease that began XX/XX/XXXX and was payed in full by XX/XX/XXXX. This was before the contract end date of XX/XX/XXXX. I turned in the vehicle on XX/XX/XXXX and received all assurances from the car dealership ( XXXX XXXX XXXX - XXXX XXXX, CA ) and Ally bank that I was done with payments and that I had fulfilled my end of the lease agreement. However, the following month on XX/XX/XXXX {$280.00} was mysteriously deducted from my bank account by Ally for the leased vehicle I had turned in a month earlier and paid off almost two months prior. I called Ally and after a while they admitted the deduction was taken in error, but would not agree to refund the money back to me. They stated I had to wait until the car was auctioned to get my money back - the money they took in error. This was never explained to me and furthermore, how am I linked to a lease vehicle until it is auctioned. This was never stated in my contract. Would never ever lease the vehicle if I knew this was a condition of the agreement. We are in the midst of a global pandemic and I can not afford to lose {$280.00} whenever Ally decides and then refuses to return to me. I also do not want to be linked to this lease any longer. No one at Ally can explain to me why and how I can formally and fully relinquish ties with this lease. Please help. 

All Correspondence with Ally Bank : Calls / Case Number : # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX # XXXX - Spoke to XXXX XXXX / Case Number : # XXXX # XXXX Called XXXX - Executive Customer Relations, Ally XX/XX/XXXX - Voicemail XX/XX/XXXX - Voicemail
Consumer complaint received 2022-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

From the first time I got out of school in XXXX, I should have been on income based repayment. However, it wasn't until XXXX that I was finally able to do that. Every time they just switched me to a forbearance and got me off the phone as quick as they could. If I had been on income based repayment, even the small payments I wouldve made, would have gone towards my time limit of XXXX years and then the loans would be forgiven. Instead, I have XXXX more years added, and a boatload of interest because NONE of my servicers explained this.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AL)

The company Home point Financial Corporation is undergoing changes and transferring to new systems or new servicing of our mortgage loan. This would be fine but there are problems. 

I updated my home owners insurance this year in XXXX at the expiration date, and it was considerably less than the year before. I did this to avoid a shortage in my escrow account, however, this did not help due to this company reviewing in XXXX instead of XXXX. I called repeatedly, and asked what the shortage in my account would be and if I could get a new analysis ran, and they offered to put in two tickets for me. Unfortunately, this all happened during the time of transition of our loan to their new systems. 

I called prior to transfer on XX/XX/27, and spoke with a supposedly escalation specialist, XXXX XXXX, about this. 
She put in both tickets, and took a payment of {$55.00}, she stated was the calculation of the escrow shortage with my lower insurance. I specifically asked her was this correct and would it be correctly, applied. To my account. 

However I call back today and find out none of this has been accomplished., I spoke with 2 people today, including a supervisor XXXX Id # XXXX, that stated he would send it all for review and get back with me? 

I have been trying to get this resolved since XXXX?? I need some help. 

I do not want my credit affected by this loan companys inability to help their customers or know what is going on from one system to the next. I do not want late fees, on my loan either. I was promised some type of answer on today, now they say two more days, while my grace period is going to run out, while waiting on them. 

Customers should not be affected nor given the run around while a loan / mortgage company goes through Internal changes or difficulty. I want to make sure the payments I make are going towards the right things and that my escrow account is revised correctly. 

Also this company does not even give any type of payment slip or options when the escrow review is sent or completed.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

inquries were requested to be deleted XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The 3 agencies Transunion, XXXX, and XXXX have a fiduciary duty to make sure accurate information is reporting on a consumer 's credit file. XXXX XXXX XXXX XXXX is reporting 2 accounts that is causing harm to my credit profile XXXX auto loan Reporting at {$4500.00} and credit card Reporting at {$5300.00}. Both these accounts has been discharged via 1099C filing, Which Canceled the Debt/ Charged off. Per IRS Publication 4681 a Charge off is considered Income and is to be filed on my tax return. ( See Exhibits below ) The Credit balance of theses accounts should reflect {$0.00} full balance paid in full and remove any negitive reporting. This is my 4th time this year complaining about the reporting from this Company. at this point there is no need for a Fake investigation per your E-Oscar system. this needs to be updated IMMENDIATELY. 

This Complaint is Governed under Fair Credit Reporting Act and The Privacy Act of 1974.
Consumer complaint received 2020-05-22
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)

I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from ALLY Bank saying that XXXX XXXX XXXX reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from equifax on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX of XXXX and XXXX is XXXX but they lied about this score however they obtained it.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a few fraudulent accounts listed on my credit report, which are : XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/2021 ), XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/2021 ). I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion, XXXX, and XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove these fraudulent items immediately and if it is not removed, then I will be filing a lawsuit against TransUnion, XXXX, and XXXX for not removing this fraudulent items from my credit report. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (AZ)

This Company garnished my wages, and has not updated any amounts to my credit report. Also I am protected under the SCRA ACT and have advised them of this information and yet they refuse to acknowledge the info and have continued to report negative/deragotory marks on my credit. Please see the following information for review
Consumer complaint received 2022-07-01
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. (CA)

The XXXX XXXX XXXX has agreed to delete the account from XXXX XXXXXXXX XXXX XXXX because the account does not belong to me. The XXXX XXXXXXXX XXXX account # XXXX continues to be reflected on my Expirian report.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To, whom it MAY concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCEs. 

This is a violation of the FCRA and is also in Violation of requisite METRO 2 compliant reporting standards By the provisions of the Fair Credit Reporting ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable. I demand that the above mention derogatory items be investigated and permanently removed from my report. 

XXXX XXXX Reporting Balance : {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX Reporting Balance : {$8000.00} Please update my personal information accordingly ; thank you for your kind attention to this important matter. I patiently await your reply.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

On Thursday XX/XX/XXXX I woke up to an email from chime telling me my email was changed and a text from them telling me my phone number was changed. I immediately called them to try and resolve and let them know that it was not me making these changes but they seem to have a hard time verifying who I was and filing disputes because I was unable to get into my account and verify any of the last 5 transactions that were made on the account. I called them 5 to 6 times that day trying to verify my account and trying to get them to put a hold on my account. I was finally told that there were several transactions made to paysend XXXX, XXXX, and so on. There were unauthorized transfers to my credit builder on XX/XX/XXXX that was about XXXX where the hacker bought several things at the apple store for {$500.00}, {$500.00}, {$2000.00}, {$4000.00}, and {$500.00}, I know this because able to reaccess my account on sunday XX/XX/XXXX for one day only after verifying myself with a picture and ID and took screenshots. As well as made dispute claims with chime. One for my credit builder account amounting in XXXX and one for my debit card/checking account amounting in XXXX On XX/XX/XXXX I was hacked again and still had a hard time verifying myself and the rest of what was left of my funds I believe. I had a hard time getting chime to suspend my account again that day and do not want to reactivate the account until I'm sure the hacker will not be about to get back into it. I got around {$10000.00} stolen from my account. I'm a single mother and this shouldnt have happened. I continue to get emails from chime saying that my disputes dont seem suspicious. As well as emails from them calling me by a name that shouldnt be on my account.
Consumer complaint received 2022-06-30
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. (TX)

N n accordance with the Fair Credit Reporting act the following Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (VA)

Hello my problem is in regards to a collection which has appeared on my credit reports and which I have no idea what it i sand or who it is from. The agency attempting to collect has been notified various times through dispute to provide me with validation ot the debt from the original source, because all they send are invoices which prove nothing more than what is now part of the public record. 

All disputes have fallen on deaf ears in hopes I go away. I have asked for compliance to the FCRA and the FDCPA which states they are to provide me tangible documentation. All disputes come back with no change. With no response. With nothing more than a ham handed stamp that the dispute meets compliance when nothing of an investigative nature was performed nor provided to me. 
It is my belief that the collection is fraudulent and illegal. I am asking for assistance as a meditator to this matter. To assist me in the correction of this problem and the removal of the fraudulent collection.
Consumer complaint received 2020-05-22
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. (AR)

I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

N n accordance with the Fair Credit Reporting act the following Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Consumer complaint received 2020-05-23
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: EQUIFAX, INC. (SC)

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on XXXX  and Equifax Credit Report. I have wrote in to the agencies and XXXX  still has not corrected this matter. Equifax and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.
Consumer complaint received 2020-05-23
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. (SC)

XX/XX/2020 vehicle loan with XXXX XXXX XXXX XXXX XXXX was paid off in full and reported to the credit bureaus but the account it not being reported on TransUnion and XXXX  Credit Report. I have wrote in to the agencies and TransUnion still has not corrected this matter. XXXX  and XXXX   have add the account but incorrectly and the payoff didnt increase my credit score.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NJ)

PHH Mortgage # XXXX Mortgage swapped several times between OCWEN and PHH ( who is owned by OCWEN ) Purchased property XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX of Market Bubble Applied for HAMP in XXXX and finally was processed XX/XX/XXXX. 
8 % loan reduced to 4 % but term turned from 30 year total ( 21 years remaining ) to a new total of 42 years, with a $ XXXX balloon at end of original 30 year term. 
Timely - I think not. Letter stating a {$5000.00} deduction from principal due at 6 year anniversary of HAMP - in XXXX of XXXX. Letter also states you CAN NOT TOUCH the loan, as is if you refinance this - you lose the {$5000.00}. That translates into a LOCK against refinancing at current rates of 2.6 %. That is corporate bully/robbery