davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

Insurance Fraud by Ally Bank : I leased a XXXX XXXX XXXX XXXX in XX/XX/2024 through Ally Bank. I was then involved in a collision in XX/XX/2024. 

At start of lease, the value of the car was approximately $ XXXX, and Ally Bank received a discount of XXXX for EV purchase, and only paid approximately $ XXXX for my vehicle. 

When my car was totaled 3 months later, and I asked Ally Bank to provide me a document with the balance on the car, they refused. Heres why : The valuation for my vehicle came back at $ XXXX, which is $ XXXX over the true market value per XXXX, and $ XXXX above what Ally paid for the vehicle. Upon reviewing the options included in the valuation, I called them to inform them that the valuation included options not actually in my vehicle ( Full Self driving which is an option I did NOT purchase through XXXX because it would have increased the purchase price by $ XXXX, and also my lease price ), and informed them that they accepted an exorbitantly inflated valuation. They apologized, but accepted the settlement anyway from my insurance despite knowing this mistake ahead of the payment. I filed a complaint with Ally Bank on XX/XX/2024 and no one has followed up, they could not provide me with a call back number, name of an agent, or email with which to correspond regarding this issue. 

I know that Ally Bank is involved in a lot of EV vehicle leases, and am concerned that this kind of fraud ( accepting higher valuations for software options not present in EV vehicles ) may be more widespread and is padding the balance sheets of Ally Bank at the expense of Americans insurance premiums ... AKA insurance fraud. EVs are much more likely to be totaled as the cost to repair them is typically higher, meaning more frequent insurance payments to banks in the event of a crash. The valuation should have raised some eyebrows considering EV values are depreciating at the fastest rate. How can an EV driven off the dealer lot 3 months ago appreciate more than $ XXXX? 

I tried to rectify this issue with them but it seems that they are dodging my complaints and are happy to keep money not owed to them. 

I have voice recordings of my phone calls with Ally Bank regarding this " error, '' of me informing them of the error prior to the insurance settlement payment and asking them to rectify the letter of guarantee to reflect a more accurate market valuation, which would be more consistent with the balance on the vehicle ( information they readily have ). I have not received any resolution to this issue and no one has reached out to follow up with an update on the complaint.
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

I have had a lease for an XXXX vehicle since XX/XX/XXXX, replaced with a new vehicle early this year. My account has been on automatic payment since I initially signed up in XX/XX/XXXX. For my newest vehicle, the first month 's payment was to be included beginning with the day that I signed the lease ( XX/XX/XXXX ). I did not receive the first statement or even my account number until approximately XX/XX/XXXX which is when the next payment was debited from my account. For whatever reason, Infiniti Financial Services ( Nissan ) may not have timely processed my automatic payments. Nevertheless, I called Infiniti today and they verified that they are not reporting any 30 day past due payments ; however, despite that fact, my lessor has taken it upon itself to disparage me and published a derogatory 30-day past due payment to the credit reporting agencies in the past year. I spoke to two people over a thirty minute period today, neither of whom could figure out why the alleged past due payment is reporting. Furthermore I do not consent to the disclosure of my account information to any third parties for any reason whether positive or negative. This has been in writing with Infiniti 's dealer/agent since I signed my lease.
Consumer complaint received 2017-09-01
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. (NY)

Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form XXXX as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

For the second month in a row, on XX/XX/XXXX, Bank of America has cancelled my online payments for two of my credit cards right before the XXXX XXXX XXXX and right before my payments were due. This time I caught it in time before they could charge me a late fee and interest, which they did the previous month. They have been randomly engaging in this behavior I believe to generate additional fees and interest. I have tried to address this on XX/XX/XXXX with their 1-800 number but only to get endless run around, I also visited the XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this, only to have the Assistant Manager accused me of wrongdoing.
Consumer complaint received 2017-09-02
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)

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at XXXX, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with Transunion and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. Transunion 's credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.
Consumer complaint received 2017-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (OH)

On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time. 
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

To whom it may concern, My name is XXXX XXXX XXXX and I lived at the Village in XXXX XXXX XXXX XXXX, an XXXX XXXX Apartment complex. We moved out on XXXX XXXX XXXX from the village and we " accumulated '' {$930.00} worth in move out fees ( Attached to this email is the balance sheet ). I have tried in multiple occasions to contact them and XXXX XXXX and I have had the run around for a while. I used services such as the XXXX, XXXX XXXX XXXX XXXX ( Complaint ID : XXXX # XXXX ) and other bureaus to seek mediation and they have still been negligent to handle our problems. The Village has in multiple times tried to collect the debt from my roommates XXXX XXXX XXXX and XXXX XXXX XXXX with out notifying me even sending letter with only their names and not mine. I have reached out to them thru different dep and was able to get help in the matters. On XXXX XXXX was the last time I emailed the Assistant Manager at XXXX XXXX and requesting her to please escalate my concerns to her Manager since I have been requesting information and she has not been addressing my requests. The dispute is pictures they are providing showing that our carpet was above normal wear and tear and are charging us for the full replacement of the apt carpet and the decon of the cement because they are stating that the stains were so bad that the cement was damaged. After requesting images of the cement, the dimensions of the stains ( since we could not make out the size of the " stains '' thru the pictures ), the carpet ID # on any paper work that we signed ( since they provided a picture with the ID # on it but our paper work does not reflect that ID or anything of that matter ) I never received an email from XXXX XXXX or XXXX company since I did CC them on the email and no one responded back. On XXXX XXXX XXXX my roommate XXXX XXXX received a letter from XXXX XXXX XXXX XXXX stating that XXXX XXXXXXXX sent the expenditures to them for collections. I do not understand why XXXX company keeps doing such things if they have been negligent to respond to me and I never received a letter XXXX XXXX and XXXX still live with me in a different address ) nor did XXXX. I contacted XXXX and discussed the matters and they stated that they did not have our addresses yet they had Isabels and we all have our letters from the Post office when we requested the address change and we provided that address to XXXX XXXX.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I called experian after noticing that XXXX XXXX placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested experian to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ROC Asset Solutions, LLC (CA)

Addendum to XXXX API recovery and it representative XXXX XXXX XXXX XXXX XXXX has some how got possession of by cell phone records. They have called previous employers, friends and relatives who have never been included in any credit application at any point in time. 
They have impersonated attorneys and have claimed that I am in legal trouble and they are trying to stop criminal proceedings against me. 
I have at least 8 witnesses who have been contacted or have messages left about sensitive personal matters or that have been left on phones of friends and family that will show that XXXX was impersonating an attorney and threatening criminal action against me. 
I have received no correspondence from them. 
I have attached photos of a message that was left on my ex EMPLOYERS cell phone. I can make the recording available directly from my employers cell phone if needed.
Consumer complaint received 2017-08-30
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. (NY)

Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from my credit report.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MD)

XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and I live in Maryland. After 15-17 days of owning the car the Oil lifters collapsed. I had the car towed to my mechanic and within the next 7 days, his diagnosis was that the Oil Lifters had collapsed. I then reached out XXXX XXXX and they refused any assistance because I didn't purchase an extended warranty. So, I commissioned my mechanic to complete the repairs and upon him removing the heads off the car he notices there was no Catalyst Converter on the car and the vehicle had been heavily modifies along with a bypass on the emission system. Which alleviated the check engine light. 
My tags expired XX/XX/XXXX, and I will not be able to pass any state inspections without an emission system in place. So, I am requesting assistance with having the loan voided.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I have been with Coinbase for quite a while now. When XXXX was looming, Coinbase sent out an email saying they recommended their users protect their Bitcoin by putting it into their Vault. I did that on XX/XX/XXXX About a week later ( XX/XX/XXXX ) I logged back into my account and set up the transfer from my Vault back to my Bitcoin wallet. I have waited and waited and waited. I have contacted Coinbase repeatedly about this transfer. The note on my account says, " Waiting for approval. '' I have already approved the transfer so I looked into this further : There is another name on my account ( some d ... XXXX ) I NEVER put on the account. I have investigated on the internet and it seems Coinbase has had this complaint MANY times - the mysterious d ... XXXX who has to approve transfers and never does. I do n't know who this person is. I do n't have their email address to approve my own inter-account transfer and so my money is just somewhere out there inaccessible to me. I have contacted Coinbase repeatedly and they simply DO NOT RESPOND now. I have not been able to use my Bitcoin as the market made its moves. My money is being held hostage by the ( supposedly ) most reliable company to have/hold bitcoin with. I have missed out on many opportunities to turn a profit because my funds are inaccessible.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director XXXX.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (NC)

My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.