davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I refinanced my auto loan from Ally financial to XXXX XXXX XXXX XXXX XXXX. Ally claims that there was a balance owed, however the paperwork I have states the balance was paid in full and is thus showing it as a charge off and negative, which is affecting my credit score negatively. This account was never in default, non-payment and should have never been placed in collections or shown as a charge off. I have provided them with documentation showing as much and they refuse to fix it. The last dispute they did take the 21 months of non-payment off, however they have XXXX and XXXX of 2020 showing as charge off. Again, this is incorrect. I refinanced this loan, and the amount my bank paid to Ally was correct. Any issues that arose AFTER the check had been deposited was on Ally, not me and neither myself or the bank ever got any information saying there was additional money owed. 
Additionally, Ally has been incredibly difficult, hostile and evasive in in my attempts to get this resolved. I understand errors occurred, but I have been transferred, harassed, hung up on, had someone literally notate things I did not say. I have asked for a manager multiple times, they can never provide one. I was told I'd get a call back, I never got one. Every time I seem to be able to produce a document showing my proof they are suddenly able to speak with me and have made me fax documents while claiming they never received them, but when I show them confirmation that the fax went through the find it. 
Every aspect of Ally seems to be at best misleading, if not fradulent and unwilling to fix their own mistakes. If my error wasn't Ally 's fault, why would they remove all of the information the already did and expect me to say thank you. This is not right. They are already a bank that takes advantage of people who have less than perfect credit and make it almost impossible to fix their error, but when the money is owed to them, they can find all the time in the world. This needs to be fixed. 
I have had a FEW good interactions with representatives from their company. To those people, and to any representative from Ally I have been nothing but professional and kind, never raising my voice or using inappropriate language.
Consumer complaint received 2022-07-20
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. (MI)

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2020-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The issue is with XXXX XXXX XXXX. They have been trying to collect a debt balance from the original creditor, Capital One Bank USA NA, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. Capital One & XXXX XXXX has added over {$1300.00} of finance charges. Most recently I called XXXX XXXX on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from Capital One & XXXX XXXX for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am looking at my XXXX  XXXX  on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 than 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.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-20
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  XXXX A Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Radius Global Solutions LLC (NY)

Radius Global Solutions LLC is trying to collect on a loan where the statute of limitations is up. The Creditor is listed as XXXX, formerly known as XXXX XXXX. The statue of limitations on the loan is has expired and I would like to never be contacted about the loan ever again and it removed from any and all systems including XXXX 's system formerly known as XXXX XXXX. I called the Radius Global Solutions and gave them my attorneys information after again informing them the statute of limitations to collect on the loan is up for a second time after receiving a letter from them trying to collect on the loan dated XX/XX/2020 only because the letter was threatening me stating that if I did not notify them within 30 days of receiving the letter they sent they would assume the debt is valid and they would illegally obtain some judgment against me. It is illegal for both XXXX, formerly XXXX XXXX and Radius Global Solutions LLC or anyone else for that matter to collect on a debt for which the statute of limitations has expired and I would like to see some accountability here. Not only has XXXX XXXX threatened to break into my home and steal my college degree if I don't make payments to them, and yes I have recordings of these calls for proof, but they told me to plant a money tree so I can pay them back, like this is some kind of joke to them. I have been sued in a state that I have never even been to and I want to make sure that this doesn't go any further than it already has. If I have to sue them, I have an attorney and am willing to but I'm not sure why they can't just treat people humanly and accept that the statute of limitations if up so I'm not sued again in another state I've never been to. It's not of how these student loan companies treat people. The statute of limitations is up and I need them to recognize it and stop trying to collect on it.
Consumer complaint received 2022-07-20
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. (TX)

I sent a dispute to trans union and XXXX  and it came back all information verified I dont see how when Date last activity is different trans union have XX/XX/XXXX and XXXX  have XX/XX/XXXX Date Opened : trans union XX/XX/XXXX and XXXX have XXXX.Account Description : tran union have joint account and XXXX have individual accounts.Account Status : trans union have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted
Consumer complaint received 2022-07-14
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: CREDIT ACCEPTANCE CORPORATION (AL)

I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a Credit Acceptance customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX Legal Counsel Regulatory Compliance '' Credit Acceptance has negatively affected my XXXX XXXX for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and XXXX. Credit Acceptance needs to update my credit report with XXXX, XXXX and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I download an app called XXXX XXXX. through my XXXX. I was searching for a XXXX XXXX back pack. I message this seller. Through offer up. The seller told me to pay him through an app called XXXX. I paid him {$320.00} from my chase bank. I never receive the item nor TRACKING NUMBER. 



P.S I ask the seller why are you selling you XXXX XXXX backpack so low of a price. The seller told me due to corona virus he wanted to make a couple of bucks. Once I paid him through my bank. He turn off his communication and his location., there fore I never receive the backpack or tracking or label number. That is when I knew it was a scam My bank didn't do anything to help me protect me from this error.
Consumer complaint received 2022-06-14
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. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXXXXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2022 ( XX/XX/2022 ). If this inquiry is not removed, I will hold XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2022-07-14
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

We just recently found out that apparently the debt collector Plaintiff attorney law firm has been switched on XX/XX/XXXX and yet we received no notification from the Servicer,  the old law firm or the new law firm. 
The old law firm XXXX, XXXX, XXXX continued to correspond with us by phone and email thru XX/XX/XXXX even though they were no longer the law firm on the foreclosure complaint. They continued to give us false, incorrect and contradictory information. We only found out about this change when the Servicer Rushmore Servicer charged our account over {$1500.00} for fees for the new law firm, who has done nothing on the case, that we are aware, of that our account wasnt already charged for the previous law firm. When we questioned Rushmore, they had no answer of what the breakdown of fees was for and directed us to call the new law firm XXXX, XXXX XXXX XXXX. When our phone message was returned by law firm, they also had no idea what the fees were for, but had full knowledge of all the previous chain of events of the foreclosure complaint, which the law firm smugly and condescending tone talked down to us and went as far as to say to my that I am one of those guys and he knows my type. 
Im furious at the way I was treated by this law firm, as its my very first contact with them and ever and I was directed by the Servicer Rushmore to contact them to get my questions answered regarding the $ XXXX fees, which at this time present time today still has not been answered. 
Our complaint is against 1. the Servicer Rushmore for the fees added to the account with no explanation and incorrect Reinstatement balance. 
2. Old law firm XXXX XXXX XXXX XXXX XXXX for continuing to contact us and give us incorrect information, when to best of our knowledge and according to new law firm was no longer the law firm on the foreclosure complaint case as of XX/XX/XXXX. 
3. New law firm XXXX, XXXX XXXX XXXX for their unprofessional, smug and condescending attitude while speaking with me for the very first time and not answering our questions regarding their law firms fees charged by the Servicer. Which as of today we still have not had answered by the law firm as they said would happen on our phone call.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NV)

My additional card holders card was missing. We immediately called Best Buy when we noticed his card was missing to report it lost. His card has fraud charges on them. These charges need to be removed off of our account ASAP. I called Best Buy and was told it would be handled but it has not been the charges are still there. Below are the charges that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XXXX my debit card from 5/3rd bank was compromised resulting in over {$2000.00} in fraudulent charges. 
2 from att totaling {$1500.00} XXXX from XXXX XXXX totaling {$600.00} I initiated the dispute process on XXXX, per 5/3rd protocol that suspect charges post to the account. 
5/3rd bank will issue a credit for suspect charges, usually within the week. 

XXXX XXXX XXXX has also been notified and are involved.
Consumer complaint received 2022-07-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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.