davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (OH)

As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car. 

XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed. 

During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line. 
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page. 

On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines. 

On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off. 

Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MA)

Issues : 1. I disputed my debt according to 15 U.S.C. sec. 1692g ( b ). But the servicer ( XXXX XXXX XXXX XXXX ) ignored my dispute letter. They did not verify the debt. Nor did they cease collection of the debt. 

2. I am confused as to who holds the loan and who is servicing the loan. In XXXX XXXX I received letters from both Navient and XXXX XXXX XXXX XXXX ( hereafter " XXXX '' ). Both claimed to be servicing the loans. I 'm now receiving calls from General Revenue Corporation. 

3. I 've received conflicting daily interest rates. My rate with Navient is {$8.00}. My rate with XXXX is {$8.00}. 

4. I have not received important information from Navient. I requested a copy of my original agreement with the lender. Navient has sent my XXXX application but it does not show the amount of the loans. I also requested a copy of the final account statement from the original creditor and a breakdown of any collection costs. Navient ignored my requests. 

5. I have requested that the U.S. Department of Education review my account. Nevertheless, XXXX XXXX XXXX continues its collection efforts while the review is pending. 

6. Although I have been communicating with Navient, XXXX XXXX XXXX has called at least two of my acquaintances. XXXX XXXX XXXX knows my address and phone number. Therefore, the calls serve no purpose other than harassment. 

All pertinent documentation is attached.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

XXXX I went on vacation to XXXX, XXXX, and XXXX. Upon arriving, I was planning on using my banking card to make withdraws from ATMs and purchases at hotels as well as for taxis and events. I was informed that I would be able to use my debit card XXXX without any issues unfortunately when I try to use my card I was unable to make transactions, and my card was locked. I proceeded to contact my bank to see what the issue was and update any information that was out of date. The first time I called, they said the issue had been resolved and that I would be able to make purchases. Shortly after that, my card became completely locked again, so I was not able to pay for the hotel. Stay that I wanted as well as three of the events that night. Their hours of operations were outside the hours that we were awake and active in the morning due to the time zone in the XXXX. I called them a second time to find out what was going on. They apologized and then tried to correct the issue again they had no idea on their end. What was going on and that card should work. I tried again making purchases on that card. Now, thinking that the issue had been resolved and with clarification from them that there was no hold and lock on my card just to be met with the same exact issue. The following third time that I reached out to them, I got a hold of a manager and they told me that I would have to notify them each time that I went to use the card for every transaction and this was just a feature that they had on the card that they did not inform me of prior. Noted I do have a screenshot from a message bot from their online portal stating that I could make international transactions Uninterrupted. They also denied ability to speak to the fraud department after I requested to see if they could figure out what was going on. This greatly ruined my experience on the trip because I was completely unable to make the purchases that I need to, and ultimately had to wire money to my account just to be able to pay for the basics. This would not have been an issue had they had not originally stated that I could use the card XXXX
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (IL)

I borrowed {$1200.00} in XX/XX/XXXX for approximately 2 weeks. On XX/XX/XXXX, I called to pay off the loan in full. The total was {$1800.00}. Big Picture Loans has not taken the payment out of my account and they are continuing to access interest on a loan that was paid off. They are refusing to present the ACH withdrawal to my bank XXXX. I have called my bank on 4 separate occasions to find out if the payment had been presented for payment. XXXX indicated that XXXX XXXX XXXX XXXX has never presented a ACH withdrawal. 

I spoke with the manager at Big Picture, XXXX twice and she assured me she would take care of the payment in full. 

Then I receive an email from the company stating they still have not taken the payment BECAUSE OF AN ERROR ON THEIR PART. 

At this time, I am filing a fraud complaint against this company for unethical business practices and extortion for attempting to access additional interest on an account that was paid off in good faith. The money has been sitting in my XXXX checking account since XX/XX/XXXXwaiting for Big Picture Loans to process my payment in full while I keep getting phone calls stating my account is delinquent and accessing more interest.
Consumer complaint received 2017-12-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates is reporting 2 account on my credit reports one has a amount of {$400.00} and another amount of {$1000.00}. I have disputed this with all 3 credit reporting agency XXXX, XXXX and XXXX. Also I have sent Portfolio Recovery Associates debt validation several times with no response. This 2 accounts bt Portfolio Recovery Associates are still showing on my credit reports.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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. 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$290.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stallings Financial Group, Inc. (GA)

I have been contacted on my cell phone from phone XXXX XXXX XXXX XXXX on Monday XXXX the XXXX and on Wednesday XXXX the XXXX, the person who called asked me to tell him my XXXX and my birthday. he wanted to know my home address. I told him excuse me whom I am speaking to and he claimed to be speaking regarding a medical bill to collect that for a physician office visit. That looked so odd to me since I did not receive any medical bills on my address nor phone calls regarding medical bills to be paid. I told him send me itemized bills and will try to arrange payments after that if those are correct. he tried to give me discounts up to XXXX $ on phone to collect money by any means!! .. He called me twice after that and I blocked his number. 
Yesterday I received a mailed letter from ( STALLINGS FINANCIAL GROUP INC. ) asking for {$740.00} to be paid to them in 10 days or else? and the language seems abusive and threatening. 
I contacted the hospital for confirmation of bills and to check for any pending balances. 
the online account of the company is not a real one and they do not have physical address they only hold a P.O. BOX NUMBER. 

thank you Yours XXXX XXXX.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

please remove these address I dont recognize any of them there not mines XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX, XXXX XXXX, date of birth XXXX This CFPB complaint has Been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Hi. 
I applied to EXPERIAN ONE TIME CREDIT REPORT a month ago and I 'm trying to cancel ever since, Since I could n't they started charging me XXXX $ monthly. I wrote an email on XXXX XXXX to cancel it and never got a response. 
I do n't want the service, but I ca n't cancel it. Today is the 25th time I call in separate consecutive days, and they keep me waiting for more that 16:41 min, even though the answering machine says to wait between 3 to 5 min.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I woke up this morning to discover inaccurate accounts on my credit report, and Im absolutely baffled. I routinely check my report, and this time, completely unexpectedly, there were discrepancies. Hoping it was a browser glitch, I refreshed the page, but nothing changed. The inaccurate information stayed. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I dont have to deal with this kind of issue again.
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (NJ)

I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score. Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
Consumer complaint received 2017-12-14
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. (NJ)

I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I disagree with the account listed below which still appears on my report even after your investigation. I would like these accounts immediately re-investigated. the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above accounts, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNIONregarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to TRANSUNION regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have submitted several police reports as well as copies of my drivers license and social and FTC reports along with any dispute letters with 15 U.S. Code 1681s2 back in XXXX to all three credit bureaus XXXX, Experian, and XXXX due XXXX identity theft and a victim of the data breach. Ive placed a credit freeze previous on my report since XXXX, XXXX and Experian cant seem to stop individuals from using and obtaining my information. 

Unfortunately, these companies failed to remove anything Ive disputed throughout the years from Addresses to inquiries to fraudulent accounts. The three credit bureaus I have mentioned has ruin my reputation to other lenders also damaged my life for over 10 years.