davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (KY)

XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge. 
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.

When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time. 
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me. 
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency. 
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures. 
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had filed for chapter XXXX Bankruptcy Discharged Date Filed XX/XX/20011. I have just started to build my credit back up with my first credit card from XXXX. I am up to date on all my payments and had ask for a credit increase. The Bank ( XXXX XXXX ) which got a credit report from Transunion consumer relations which had false information on the report. They put on the report that I had Serious Delinquency, and Public or collection filed, too few accounts currently paid as agreed, Lack of recent installments loan information, too many accounts with balances.And it said number of inquires was a factor in score. XXXX score. 
All of which is false information..I called Transunion and they would not send correct information to XXXX XXXX which denied my credit increase. My record should be clean after my Bankruptcy.. Please make them send correct information to XXXX XXXX. I only have one credit card and that 's with XXXX..
Consumer complaint received 2017-11-05
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: Experian Information Solutions Inc. (NC)

On XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
Consumer complaint received 2017-11-05
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: BB&T CORPORATION (NC)

On XXXX XXXX, 2017, the company placed an inquiry on my credit file with XXXX. I have attempted to get this removed by contacting both the company and the Credit Reporting Agency. BB & T has stated in writing that the inquiry was the result of a credit application from an automotive dealership. The only problem, which I have  explained countless times, is that I did not fill out an application with that dealership on the date in question. Had they checked, they would see that my signature is not present on any application used to access my file on that date.
Consumer complaint received 2020-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OK)

MY MORTGAGE COMPANY CONTINUED TO PAY TWO INSURANCES, UNBEKNOWN TO ME. MY PREVIOUS INSURANCE, XXXX XXXX, WAS SUPPOSED TO BE CANCELLED PER SEVERAL PHONE CALLS I MADE TO THEM. HAVING FOUND A BUNDLE DEAL WITH XXXX XXXX, I CHOSE XXXX XXXX AS MY NEW HOMEOWNER 'S INSURANCE CARRIER. ALTHOUGH I TRIED, THE PREVIOUS INSURANCE WAS NEVER CANCELLED, AND THIS CAUSED MY ESCROW ACCOUNT WITH US BANK HOME MORTGAGE TO BECOME NEGATIVE. I THEN HAD TO PAY {$2300.00} IN ORDER TO BRING THE ESCROW ACCOUNT CURRENT.
Consumer complaint received 2020-11-18
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: SYNCHRONY FINANCIAL (CA)

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Bank XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX Inquiry : XX/XX/2020
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (IL)

Credit Karma makes money by partnering with other companies and advertising those other companys services. 

Unfortunately, some of those advertisements are misleading and predatory and hurt Credit Karma customers. Credit Karma has built trust with its customers by offering advice on how to repair poor credit scores, as well as education on the credit and financial systems, it has designed its website for SEO, such that creditkarma.com is frequently the first result when searching the internet for financial questions. Because of this, Credit Karma customers can be misled by advertising. In the same space that Credit Karma advises its customers for credit repair, it pushes predatory loans with excessive fees and interest rates that are not in the best interest of the customer. 

I do not own any product with an interest rate of more than 13 %, and my personal debts are less than {$10000.00} and yet Credit Karma is advertising to me a personal loan with an APR of 20.74 % for a 36 month term, {$3500.00} estimated fees. No matter my personal finances, pushing a personal loan for debt consolidation at an apr of 20 % + is abusive behavior. But whats worse is Credit Karma is pushing this advertisement directly under credit scores and with the language a personal loan could help you pay off your debts faster in a full-screen width element, suggesting to the user that this is Credit Karmas number 1 advice. 

Credit Karma is using its position as a trusted advisor/educator and credit reporter to mislead customers into applying for products that are not only unnecessary, but dangerous.
Consumer complaint received 2017-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX 2017 To Whom It May Concern : This letter is to inform you that the validity of this debt is disputed.
Your firm has continuously contacted me over an alleged debt in the amount of {$1700.00}. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, including proof of a contractual obligation that binds me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX  Plaintiff, vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARIZONA,  XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to a speedy resolution of this matter.
Sincerely,
Consumer complaint received 2017-11-03
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: Marlette Funding, LLC (PA)

Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017.  Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (MN)

This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IN)

I made a payments on XX/XX/XXXX and XX/XX/XXXX and received email confirmation that my payments would be post-effective as of these days. However, the company Kia finance posted my payments that effective as of XX/XX/XXXX and XX/XX/XXXX. When I reached out and spoke with someone in the escalations team by the name of XXXX as well as I spoke with a supervisor by the name of Ever. They refused to escalate my issue to the ombudsman or to do anything to correct the issue of my payments being posted effective as of the date that they are legally required to be posted based on my contract. The supervisor by the name of Ever told me that they would open up a internal ticket but they would not contact me to advise me of what was being done with the internal ticket.
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (CA)

Tried reaching out to experian multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to dispute. All they did was put a 90 day freeze to my report without me requesting it or without the problem being resolved.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I was messaging a person on XXXX on XX/XX/2020, and they promised that they would transfer {$1000.00} into my Paypal account of I sent them a transfer fee of {$56.00}. I sent them the money and they never gave me my money in return. I asked the person to transfer my money back to me but they had blocked me and deleted the conversation we had about this subject.
Consumer complaint received 2017-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (RI)

I have been charged a {$5.00} late fee from Chase Auto, every month since last XXXX. They changed my due date even though they say they didnt. My auto loan was always due at the end of the month and all of the sudden it was due the XXXX of each month, Chase said we changed it online, but my husband nor myself have ever requested to change the date, I tried to explain that there must be a mistake, but it was to no avail. I have inquired about it several times but Chase refused to change it back, so my husband and I paid in the middle of the month as our mortgage is due at the beginning of each month. I have explained this to Chase multiple times, but again they wont change the due date back. Well, on my last statement I had a random {$55.00} extra on my bill, when I inquired about it, Chase stated it is a late fee of {$5.00} going back to last XXXX. I stated that I have been paying {$320.00} every month ( our note is {$310.00} ) to include the {$5.00} late fee, so that I already had paid the late fees. I however, paid the {$55.00} late fee because they were calling my husband and myself threatening us over {$55.00}. So as to be sure we didnt have any past due balance, I went ahead and paid the {$55.00} extra, and decided I would take it up with Chase after it was paid. And, I did, Ive documented with screen shots- the {$5.00} fees they placed on our bill every month since last XXXX. I also documented, highlighted and sent the {$55.00} fees that were charged to our account, and paid, along with the proof of fees charged, going all the way back to XXXX 2016. I dont know why this is so difficult for Chase to correct, Ive literally sent them documented proof from their own website three times now, they claimed I would get a descision by XXXX XXXX, but I have gotten no emails, calls or mail correspondence from them as promised. There is no credit on my account either. We have been more than patient, but Chase is attempted to steal {$55.00} from us- on top of that they charged us twice in a month, a late fee of {$5.00}, so they actually owe us {$65.00}. I explained and showed them my payments, and pointed out that if they werent paid, I would have a past due balance still, of {$65.00}, If I hadnt been paying the late fees all along. I currently have no past due balance, so really this is all quite simple. Refund is the fraudulent {$65.00} you stole from us, as Ive sent all the documented proof. I am willing to admit when I am wrong, and will accept if I am, but Chase is wrong here, and I have the documented proof.
Consumer complaint received 2023-03-03
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. (PA)

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. 
Account name : 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 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 2023-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (MS)

XXXX, XXXX, and Equifax are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Consumer complaint received 2020-11-18
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: Credit Plus Inc (CA)

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I from XXXX to XX/XX/2020 have been trying to get a free credit report the three companies that does this has either ignored me or says that i due not exist. I tried to fax as well as gone on their web site and did what i was ask to due. But no results as of yet.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX XXXX, 2014, we sent {$5000.00} toward bringing our loan balance down and request a repayment plan for the remaining balance behind ; Ocwen stated that they reinstated the loan-flat out lie ; they did not reinstate the loan. They have manufactured a response since I filed this complaint to try an cover up their trickery ; Ocwen stated that unless we had the total amount that they would return it ; they did not return the {$5000.00}.? ; They did n't offer a loan repayment at that time. Ocwen has one goal-to foreclose by any means ; I have the loan statement ( wow ) when this problem, if they really wanted to help could have been fixed before this. We asked three years ago who the investor was ; never received the any information ; requested a copy of first denial letter ; never received it. Ocwen 's statement is : Helping home owners is what we do '' yes right into foreclosure with trickery ; not sending documents ; making false statement and then manufacturing a response to a complaint filed that stinks to high heaven. Ocwen knows XXXX well they did not reinstate our loan after money was sent ; they sent us a default letter. If I had not us money to get a second opinion for a misdiagnosis of XXXX XXXX that XXXX made a mistake on, I would be XXXX today from taking XXXX XXXX that would have not been needed for something I did not have ; Ocwen could careless or the investor, but now they are trying to cover up an untruth. They had not intention of trying to help us, but help us right into foreclosure by telling us one thing and it not being the truth. Ocwen could have easily offered the repayment plan when the loan was XXXX behind, after we sent the {$5000.00} that Ocwen did not return? But now they send us some repayment plan documents on Monday.. this has been trickery from the start .... and they should be willing to fix a situation that we got played into, but now it had been exposed!!!