davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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: ALLY FINANCIAL INC. (PA)

I financed by vehicle through Ally in XXXX. I recently paid off my balance in XX/XX/XXXXXXXX XXXX I have been waiting for a month for my title to be mailed to me and have not received anything. I called Ally to ask where my title was sent to so that I could follow up with them. They told me that my title was sent to Virginia. I lived in Virginia from XXXX and updated my address with Ally twice since moving. I asked the representative why my title was sent to VA, and they could not provide an answer. I was transferred to 5 different representatives over two hours and was told that it was my fault because I did not update my address. I told them that I did indeed update my address both online and by phone, to which they said that I did not change my address " correctly. '' When asked what that meant, I was provided with no explanation. I was told that I could take my " paid in full '' letter to the Pennsylvania DMV ( the state that I currently live in ) and they would issue me a clear title. Since the DMV is only open during typical business hours, I will need to take an unpaid day off from work to do this. I do not feel that it is my responsibility to fix Ally 's mistake. In a letter that was " sent '' to me ( meaning it was in my online messages and mailed to an address in VA, one that I never lived at ), it stated that my title was electronic. When I asked if Ally could reissue the title electronically to Pennsylvania, I was told that my title was not electronic but paper. I asked when this happened, since the electronic letter that I received in XX/XX/XXXX stated that my title was electronic. The representative offered no insight and stated that the information in that letter was incorrect. 

They sent my title to an address in Virginia that I never lived at ( they had the correct building number but put XXXX XXXX and I lived in apXXXX XXXX XXXX XXXX  does not exist in that building ). When I explained that, they said that I gave my address " incorrectly '' when I moved. I didn't, considering XXXX XXXX does not exist in that building! I have asked them to reissue my title in the correct state, which is Pennsylvania, and they refused. I now have to miss a day of work and a full-day 's pay in order to fix an issue caused by their incompetence. Ally is not willing to take responsibility and claims that even though I called to update my address, I did not update my address correctly, whatever that means.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.
Consumer complaint received 2023-01-07
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. (MD)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records XXXX XXXX XXXX XXXX XXXX XXXX. I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Hello My name Is XXXX XXXX XXXX XXXX, I have spoken with XXXX, and Experian representatives In regards to my personal Info being Incorrect as well as sending multiple letters to fix my name, address and to delete formerly known names off of my consumer reports. But in essence nothing was done in those regards. In 15 U.S. Code 1681 ( b ) - Accuracy of report It states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Social security number or XXXX XXXX XXXX Date of Birth XX/XX/1990 Experian Name XXXX XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX Formerly known as XXXX XXXX Social security number or XXXX XXXX  XXXX Date of Birth XX/XX/1990
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal law.
Consumer complaint received 2023-01-04
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. (NC)

I have been fighting Transunion for many years regarding two fraudulent accounts showing on my credit report. XXXX and XXXX have removed the accounts but Transunion will not follow suit. I have a right as a consumer to have a true and correct credit report which at this moment I do not. I sent in an Identity Theft Report for the two accounts in question and still they remain. I recently spoke with a Transunion rep who informed me that Transunion does not do any investigating. The only thing they do is alert the creditor that the consumer raised a dispute and go solely off their word even if we send documentation supporting our claim which I did twice now. I feel that as the furnisher of the data people look at to extend credit they should have more responsibility. It is unfair to us as the consumers for them to not ask any questions or care about our side of things. The only solution the rep gave was to file a complaint here but as far as my report they were not going to help and I feel that is wrong. I hope that something is done about their dispute process and that these two accounts are finally removed. All of Transunion calls are recorded so it should be easy to verify everything I was told.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

I was contacted by Ability Recovery Services over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in dispute.
Consumer complaint received 2023-01-04
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. (AK)

We refinanced our rental home with XXXX XXXX  end paid off in full our old loan XXXX XXXX. Also we paid in full off our XXXX card at nearly & XXXX. Because this is a new loan with XXXX we were given a D with Transunion credit Reporting. We're never late with our payments and you give us a Fair rating after having Very Good. Don't understand why our Good standing with previous vendors isn't taken into account but base it all in this '' new mortgage ". The other credit reports don't penalize like Trans Union. Please consider this. It may be a new mortgage vendor because we refinanced but the mortgage payments have been perfect in the past. 
Thank you for contacting this. 
XXXX XXXX
Consumer complaint received 2023-01-04
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. (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 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (NY)

I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
Consumer complaint received 2023-01-03
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-04
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NY)

I received a letter from a collection agency on behalf of XXXX XXXX which is an electric supplier based out of Texas. Theyre claiming I owe them {$750.00}, however, I have never been enrolled with them or used their services. An account at XXXX XXXX ( an electric utility based in Texas ) was previously opened in my name as well. I had that issue resolved but clearly my SSN is being passed around down there. I spoke to XXXX and they advised me to open a report with you. The {$750.00} is lowering my credit score.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I attempted to pay {$40.00} to XXXX XXXX XXXX on the PNC mobile app. The past week I received a payment from XXXX XXXX. Unfortunately I sent the payment to the wrong XXXX XXXX or an old XXXX account to XXXX XXXX. Immediately I called XXXX XXXX who refused to assist ( was not a costumer ) and then PNC, that stated I would have to complete a dispute. Once the transaction posted to my account I filed a dispute for the wrong individual. Recently I received notice that my own bank PNC wont return the money and declined my dispute. Where is the protection as Ive banked with PNC for a decade now! Id like a full refund.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Deposited an amount of {$480.00} to Chase Atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX United States at XXXX XXXX Received receipt to call bank to check deposit was completed. No evidence of deposit was seen.
Consumer complaint received 2023-01-04
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. (VA)

In accordance with the fair credit reporting act, TransUnion has violated my rights by having : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TN)

When placing a order then canceling it the credit card company subtract the amount from you available credit, so it sits in pending for four to five business days then finally it just disappears. The vendor never took anything out because the order was canceled but the credit card company did subtract the amount and never puts it back into your available credit and they dont show any type of transaction on it whats so ever it just disappears ( your money ). I keep very up to date spending I make on the card written down and the amount that was pending never get added back, with absolutely no record on there end. Ive argued with them over this with numerous service representatives and no one is able to help me. There should be some type of record where the amount was put back in and they agree with me yes there should be but there isnt. There no way of tracking it other than your own records with is only good for me, they should have it in black an white. To me for a XXXX XXXX company not to show something that simple and save from argument over the phone time and time agian is crazy, I think they do know what they are doing, that is why they dont show any detail records.I had three different pending charges in XXXX between XXXX with them all around XXXX. Two was for tiger rock industries and one was for XXXX.
Consumer complaint received 2023-01-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-03-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (GA)

Chapter XXXX Bankruptcy filed and XXXX in XXXX Chase has been pursuing the debt from XXXX to XXXX Chase even mentioned about granting a loan mod Chase never showed up at creditor 's hearing Chase never contacted or reaffirmed debt Chase has been misleading me for all these years thinking I could lose my home I've tried everything
Consumer complaint received 2018-03-28
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX, XXXX XXXX  XXXX