davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (OH)

Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues. 
XXXX XXXX XXXX  paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft. 
XXXX XXXX XXXX  I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission. 
XXXX XXXX XXXX  received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally. 

I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability. 

Thank you
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (PA)

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This WELLS FARGO appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX Credit Bureau Reports. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately. 
XXXX - WELLS FARGO XXXX XXXX XXXX WELLS FARGO XXXX XXXX - WELLS FARGO XXXX
Consumer complaint received 2023-01-23
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. (GA)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

Navient is reporting the below, XXXX ( XXXX ) late payments to the XXXX XXXX XXXX : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX I sent the below communication to Navient requesting to have the XXXX ( XXXX ) late payments forgiving or removed from my credit report. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX The student loan has been paid in full.
Consumer complaint received 2021-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted to Trans Union a complaint that two accounts were inaccurate, I completed the complaint online at their website in XX/XX/2020. I have requested from them documentation to support their decision, they have elected to provide no proof to me on how they ascertained that the accounts were correct. This is very unfair to the consumer, the consumer has little or no ability to challenge their decisions. In both cases they were in error in regards to the reporting of these accounts ; 1. XXXX XXXX XXXX  They have reported me as being late paying, when the Stimulus Bills both stopped lenders from reporting these payments as being late.
Consumer complaint received 2021-04-02
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)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.
Consumer complaint received 2021-07-16
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. (VA)

HELLO, I SENT OFF MY FTC REPORT ALONG WITH MY DISPUTE LETTER TO XXXX, TRANSUNION, AND XXXX. I EVEN CALLED XXXX AND STATED BY LAW 15 USC 1681 THE FAIR CREDIT REPORT ACT, THAT THEY HAVE TO FOLLOW THE LAW THAT PROTECTS ME AS A CONSUMER. I WAS TOLD NO THEY DO NOT. THESE COMPANIES HAVE RUINED MY REPUTATION. I HAVE TRIED TO RESOLVE THIS MATTER PLENTY OF TIMES, AND THEY HAVE YET TO ADHERE TO FEDERAL LAW. 

XXXX EMPLOYEE : XXXX EMPLOYEE # : XXXX
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I filed a dispute with XXXX  as they have incorrect information on my report which has affected my credit score and ability to get credit. report # XXXX. I also emailed the president of XXXX  XXXX XXXX on XX/XX/2021. 

I applied for financing for an auto loan on XX/XX/2021 with XXXX They contacted XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX. On my credit report it states that i have three hard inquiries as a result of me trying to get a car loan. The law says that a dealership may have sent your loan application to multiple lenders to find the most favorable interest rates. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations. XXXX  has counted them as 3 inquiries thereby impacting my score. The inquiries were all on the same day. This has also happened with XXXX  and transunion which I have not filed disputes with yet.
Consumer complaint received 2022-01-06
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. (TX)

I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.
Consumer complaint received 2021-01-18
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)

I have a collection on my credit files from XXXX XXXX XXXX. ( Account number XXXX ) The collection was being handled by XXXX XXXX. I settled the debt with XXXX XXXX with the agreement that the balance would be removed from my file. 

I then disputed this with all three bureaus. The bureaus did not remove the balance but instead the settlement I made was applied to the existing balance leaving a balance. This is contrary to my arrangement with the agency and a violation of my rights under the Fair Credit Reporting Act. 

I am receiving the exact same score reduction because of this balance that I received prior to the settlement. By law, therefore, XXXX XXXX is continuing to collect on an account that was settled in full. This " collection effort '' is accomplished by holding down my score because of the balance. 

I have attached the XXXX XXXX settlement letter.
Consumer complaint received 2022-01-24
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: EQUIFAX, INC. (IN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an Amex credit card REF : XXXX and application was denied " Based on your credit report, you have cancelled too many bank card accounts recently. '' This was reported by XXXX, when I called back Amex they would not allow for a manual review of my application by a human stating that's their policy with initial denial. I inquired what time range did they look for with term 'recently ' given I've closed 2 card accounts in total in past 2 years ( One of which was open since XXXX and closed in XXXX, another was opened in XXXX and closed in XXXX ). I could not get a clear answer, and I pointed out that's the reason I'm requesting a human to review my credit worthiness based on full report and history and was denied again. I have a credit score of 800+ and applied for a low end American Express card as my brother had referred me and he'd have gotten a referral bonus. I have not had any Amex cards on history in past 10+ years or history of denials. Amex failed to provide a clear explanation of what they mean by recent, I do have old credit cards I had closed in past but my average length of credit is years and 9 months.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

On XX/XX/XXXX. 2021 my car was vandalized my backpack and wallet holding my driver license, is bank cards, credit cards was stolen! I called both my banks as soon as I saw my cards were missing on XX/XX/2021 it was a Saturday but I called the customer service center for both banks!! 
Even though I told them about my incident, they still slowed the thief to walk in bank not once but multiple times and this person enticed my accounts!! Both my banks!! Its been so long now that I havent had access to my money! Im being treated like Im the thief! They asked me to get a new driver license number and that was so difficult to do but I showed the fraud to dmv and they helped me with new dl! I took my new dl thinking this was all needed and I would get my funds and no! They wont tell mr whats going on they keep me on hold they act like Im bothering them specially XXXX at XXXX branch for XXXX XXXX! And the XXXX lady at bank of the west she has made me cry! The woman had no right telling me if Im sure it wasnt me!!! The nerve!! Of course it was not me!! Its not my fault ur tellers are guck g away {$2000.00} then {$2800.00} at bot west!! Only with a driver license the one they stole from me! Its been months now I have no money my car is going to be repo and Im about to get eviction!! I havent been able to pay my rent Im scared! I need help they need to return my money I have no idea whats the hold up dont they have cameras??? Its clear its not me!! I filed police reports!!
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022 I deposited a check from my employer for {$870.00}. Which deposited into my account that night but on XX/XX/2022 it was listed as Exceptions/Administrative Hold for the check amount of {$870.00}. On XX/XX/2022 I called the bank and was advised this would take ten days to clear and they would give no specific reason as to why it was on hold and that its just the way the system works with these kind of checks even though I had submitted multiple paychecks from this employer before this incident.
Consumer complaint received 2021-03-25
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: Volvo Car Financial Services U.S., LLC (OH)

In XXXX, I purchased the vehicle I had been leasing through Volvo Car Financial Services. They were paid for the vehicle plus the taxes for the state of Ohio. They sent a check to the state of Ohio for the taxes but the amount was incorrect so they voided the check. In XXXX my credit union called and asked me to call VCFS because the check had not been received. I called VCFS and was told that they had sent a check to me made out to the state of Ohio on XX/XX/XXXX and that I should wait because the postal service is running behind. On XX/XX/XXXX I contact VCFS and talked to XXXX. She submitted to have the check recut and requested that it be send overnight with a tracking number. She stated that she would call me back to confirm that it would be over nighted. She did not call back. On XX/XX/XXXX I called VCFS and talked to XXXX. She confirmed with XXXX that the check was supposed to be overnighted and promised to look into it and call me back. She did not call me back. On XX/XX/XXXX I called VCFS and talked to XXXX and then XXXX XXXX the customer service lead who tried to confirm that the check would be overnighted but could not. XXXX assured me that she will call me back.
Consumer complaint received 2023-06-02
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC (NY)

My current mortgage company name is Guidance Residential. They are charging additional {$18.00} every month in the name of LLC FEE. I had no idea about this fee/charge until closing documents were being signed. When I questioned this to company 's lawyer he said nothing he can do about this. At that point it was too late for me to back out from refinancing. 
I have been with few different mortgage companies and never paid any such fee. I got know that a lot of people who are complaining about this and that's how I found out about this forum. We want this illegal charge to stop and refund from past payments. Please investigate and free us from this ripp off. Thank you
Consumer complaint received 2022-01-24
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. (MN)

Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with XXXX XXXX XXXX. I have talked to XXXX XXXX XXXX who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both Equifax and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the Equifax documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.
Consumer complaint received 2021-07-16
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. (AZ)

To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of XXXX  and have been attempting to get erroneous account removed off of my XXXX  and EXPERIAN credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX  : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

Experian : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws Experian and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and Experian platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.