davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (IL)

ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that XXXX XXXX had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted XXXX XXXX to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

XXXX XXXX customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where XXXX XXXX admits having issues with their payment system when they updgraded in XX/XX/XXXX.

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
Consumer complaint received 2023-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AutoNation Enterprises Incorporated (CA)

Loan Company : CIG Financial I buy XXXX XXXX XXXX on XX/XX/XXXX {$15000.00} on XX/XX/XXXX I got XXXX and I cant work and I am not able to pay my car payment they repossession my car on XX/XX/XXXX XXXX on XXXX XXXX I called them to pay my payment to return my car unfortunately they said sold a car on XXXX XXXX in auction {$6400.00} almost {$10000.00} under the price According to the California Repossession Law : The legal owner or Bank Must give you 15 days written notice before they can sell or otherwise dispose of your vehicle. This notice must be provided within 60 days after repossession .this notice should tell you how to redeem your vehicle and should give you the name and address of the person to contact about payment. 
web Site address : XXXXl According to the law they have to wait 60 days after repossession after sell the car and THEY DIDINT and absolutely ILLEGAL also I don't receive any letter or notice from this company to inform me they want sell the car many many time I explant this company with email XXXX XXXX who responding my email and they dont want to do anything and push me to pay your payment Please help me to remove this issues from my credit reports
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have a total of 75 late payments showing on XXXX, 75 showing on XXXX, 24 showing on XXXX all from of Navient student loans. I have 4 separate accounts numbers across all 3 bureaus. It is showing 75 missed payments from the same company. They send me One statement with all the loans on it. But send to the credit bureaus 10 different accounts. Showing a total of 75 payments. I was NEVER late 75 times. I was on a financial forbearance. I had no employment. 

The company refused to change the status due to a mix up. I was in the midst of a divorce custody battle and all my mail was interestingly disappearing. I should have been on a financial forbearance because I was out of work. However, I was denied several opportunities for work and couldn't figure out why. My score currently is XXXX with XXXX. It is a nightmare. This has been going on now for over 3 years. I recently received my credit score through XXXX XXXX and was confused. When it showed 75 late payments I couldn't believe what was happening. I am currently on a financial forbearance but they refused to change the status. I have written, called, and tried to discuss the issues. They continue to leave the status as it is. I had sent in all the paperwork showing I was suppose to be on forbearance. 

AND they send me ONE statement, one bill, one forbearance but report to the credit bureau 11 different accounts making my score even lower. furthermore, they are extremely inconsistent across the board. They send varying and inaccurate information to the credit bureaus causing my score to do a roller coaster ; making it difficult to get my financial life in order. It is causing lots of undue stress and mental strain.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I requested a dispute and investigation via certified mail regarding items on my credit report file that were being reported illegally. On XX/XX/2022 Equifax sent a letter stating that an investigation had been completed and the debt had been validated, however Equifax failed to forward to me all the relevant information provided to them for their investigation as required by FCRA 611 ( a ) ( 7 ). On XX/XX/2022 I sent another letter via certified mail attempting to validate the debt with Equifax, they have failed to respond validating the debt or by deleting the negative items since. The account being disputed are listed as follows : XXXX. XXXX XXXX, Account number:XXXX Amount : {$690.00}
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX XXXX, account number : XXXX, balance : {$210.00} XXXX. XXXX XXXX XXXX XXXX, account number : XXXX, balance : {$4300.00}
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 an 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 2024-10-09
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. (NV)

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 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 2018-06-19
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA (OH)

Purchased new XXXX XXXX at dealer, used Hyundai financing for new loan, paid off loan in full XX/XX/2011, never received original certificate of title or lien release. Have been contacting them for a lien release for a week now everyday, they promise to fax within 24 hours and then nothing is received.

Hyundai collects a title/lien release/return fee and then fails to deliver in a timely manner or at all.

We have lost a few buyers for our car since we can not provide a clean title, even though Hyundai readily admits the loan is paid in full and nothing is due.

Hyundai customer service is lying to us by having a different story each time we call to inquire about the lien release. If Hyundai can make a new loan electronically in 30 seconds why cant they release a lien in over four years?
Consumer complaint received 2018-06-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (TX)

My name is XXXX XXXX, my compliant is regarding XXXX XXXX, Loan Processor with City Worth Mortgage. During my working with XXXX XXXX there has been several mistakes ( not completing employment verification in a timely matter, not following up with landlord for documentation, not explaining how overtime would effect the home purchase process and not returning phone calls ) that he has done throughout the mortgage process of trying to purchasing a home. Tuesday, XX/XX/2018 around XXXX my Realtor who has been working with to closing on house ( XXXX XXXX XXXX XXXX, TX XXXX ) called to inform me that XXXX XXXX told him the deal cant close because of my overtime. This angered me because he never told me that my overtime was a factor into me getting this home. Also, he talked about needing to have 1 year of overtime history without my knowledge. My agent told me that XXXX told him that him and his processor overlooked a form that supposed to be filled out by my place of work but they overlooked. City Worth Mortgage with the many errors and delays by XXXX XXXX has made me lose my Earnest Money {$2100.00}, Option Money {$150.00}, Inspection {$450.00}, Appraisal {$600.00}, missing about 4 days of work to make sure everything is completed without any problems. Also, I am paying month to month because I was told by XXXX that we were on schedule to close for XX/XX/XXXX. 
Below are everyone who was involved in trying to close of my home that I really wanted but due to miscommunication, lack of information and no follow up I have lost the home and I have to start all back over in looking for a home again. Please help! I can be reached at XXXX XXXX XXXX, Loan Processor XXXX XXXX XXXX XXXX, Closing XXXX XXXX Ext : XXXX XXXX XXXX XXXX, Processor XXXX Ext : XXXX XXXX XXXX XXXX, Mortgage Banker-Team Lead Cell # XXXX Office : XXXX XXXX XXXX
Consumer complaint received 2018-06-19
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: Experian Information Solutions Inc. (OH)

For the last three years, everytime I try to get a " free '' annual credit report from Experion online, it  tells me there is a " problem at this time '' even though I give them all the correct information. I have no problem getting a credit report from XXXX XXXX and XXXX, giving them the same information! When you try to call Experion, you get a recording and prompts for information and it kicks you out, even though you give them the correct information, saying they " didn't get that, '' either pressing or saying the choice prompt. After that, they say you can not order a report by phone. You can not call and get a live person, either, which is frustrating. They then advise you that you have to get the report by mail. After about seven or eight tries, I was finally able to get them to send me a report by mail. This was done on XX/XX/2018. It appears to me they do this intentionally so as not to encourage anyone to get a free credit report but pay for one! This is a dishonest practice!!!
Consumer complaint received 2022-07-17
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC. (CA)

On XX/XX/XXXX I commenced a pre-qualification process with synergy one Lending ( XXXX XXXX ) because I was advised that I needed to cross qualify with the home builders preferred lender. Though I previously secured a lender, the builder offered a monetary incentive of $ XXXX to use their lender. On XX/XX/XXXX I received a loan estimate worksheet stating $ XXXX to close. On XX/XX/XXXX I received a loan estimate reflecting $ XXXX to close. I declined the offer as it was not competitive. On XX/XX/XXXX I advised that I was not interested in using synergys services. XXXX XXXX ( Sales Manager ) emailed me on XX/XX/XXXX asking me to provide her with the estimate from my lender and that she would work out the lender costs so that I could retain the $ XXXX builder credit. Subsequent emails ( available for review ) from XXXX XXXX ( Loan Officer ) and XXXX XXXX ( Loan Officer Assistant ) offered $ XXXX in builder credit and $ XXXX in lender credit. I agreed to these terms and the Los estimate reflected these terms. However, at the time that I prepared to move forward with Synergys Loan, I was told that the credits offered were applied in error and that a new loan estimate  would be sent to me. At this point I received my 3rd loan estimate which reflected only a $ XXXX builder credit, the lender credit was removed. I contacted the VP of Sales for the builder ( XXXX XXXX ) by the name of XXXX to file a complaint. I was advised that I would receive her loan estimate ( 4th estimate ) with the correct amounts. On Saturday I bet with XXXX to provide him with requested documents to process the loan af which time I was advised that I would receive a new estimate which would supersede all previous estimates. Upon receiving the estimate, the cash to closed increased by $ XXXX and the $ XXXX credit was removed and no lender credits remained. This bait and switch tactic was predatory and I advised XXXX XXXX that I was aware of what was transpiring. After I sent emails showing proof of the offers both to XXXX and XXXX, XXXX failed to respond and XXXX provided no explanation as to why these offers were made to me or why they were offered dishonestly and in bad faith. Quite frankly this process attempted to distract me as the consumer from the games with the loan being offered. Another issue is that, synergy proceeded with underwriting my file and processing although I never agreed to process my loan with synergy. I was simply trying to obtain the pricing info. Synergy proceeded with processing the loan with my authorization. I am within one week of closing on my home and had I stopped the process with my current lender I would have been forced to work with Synergy just so that I wouldnt incur charges for dejayung close if sale. There are several online reviews to this effect for XXXX XXXX and the predatory practices that plague consumer experiences with their company. I am requesting a follow up call to investigate this matter.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have a XXXX in store credit card through Synchrony XXXX. My original starting credit line was {$1200.00}, they decreased the credit line to {$700.00}. Then I get a letter in the mail stating that my account had been closed. My payment history with all my creditors are good, I may be making minimum payments but have not been 30 days late. I am very upset because now my credit files are going to reflect a closed account that had good payment history!
Consumer complaint received 2018-03-06
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. (WA)

XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions