davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MD)

Ally Financial made me the primary borrower on a loan that I co-signed for a XXXX gentleman. When he got behind the vehicle went out for re-posession without me being notified. When I found out, I took possession of the vehicle with XXXX miles and contacted Ally. I was assured by Ally that if I paid off the vehicle and late fees for over $ XXXX they would issue release in my name. The buyer has since left town and the release was issued in both our names, leaving me no way to dispose of the vehicle. Ally refuses to re-issue the release after apparently committing racial discrimination and fraud.
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (VA)

I requested my credit score and paid a special reduced fee for providing the score from Experian. Later, when I found out they had charged me {$21.00} in addition to the {$1.00}, I called them to cancel the charge and the account they said I had opened. Their representatives made me wait a long time on the phone before I could even talk to someone, and even then I found no legitimate reason for the charge. They said it was for a monthly membership but I told them I was not interested in this service. But they said I could not cancel it even though it was the XXXX day of the month-long " service. '' I have no idea what service they are providing and would like my money back.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to my accountant so she could efile my tax return, she was told that my taxes had already been filed.I mailed my taxes certified mail to the IRS. I filled out the XXXX for for Identity theft. 
Now I am placing this this complaint to prevent my Credit from being stolen. This is possible identity theft.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (DE)

I disputed a late payment from XXXX with XXXX XXXX XXXX XXXX on Experian. I provided documentation showing where the error was on their part. XXXX XXXX had agree to remove the late pay on their system based on this documentation. Experian did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Experian leave it on my file after the dispute?
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have written to Transunion four times in reference to inaccurate information on my credit report. I have requested that they delete it. Each time they have responded to my letter claiming that they have verified the information on my credit report but have not provided me with any physical verification or proof that these are my accounts. This is in complete violation of laws in the Federal Credit Reporting Act.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Paul L. Marks, P.L.L.C (NJ)

First this law office led me to believe he can collect, he is not can not do this in New Jersey, I ask for the account to be validated I do not agree with the amount, I was willing to pay the assist agreed now in the letter he says he will still sue? this doctor was not the doctor that did the service, he was a back up which to discharge my wife and he was not in our plan. I did not know this I feel the real doctor should pay him due to the fact he was already paid for the service with my Ins.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Accounts, Inc. (MN)

The collection agency never notified by mail or phone call that I owed them money. In addition, the only reason I found out about this was they filed a judgment on my XXXX credit report. I filed a dispute and XXXX removed it immediately. However, the collection agency turned around and place the judgment on my XXXX credit report the next day. This is not even my debt how is the collection able to file judgments on anybody? By the reporting this false information my credit score dropped by over XXXX points, and I have been turned down for new credit.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

HAVE BEEN AN ACTIVE MEMBER OF TRANSUNION INTERACTIVE INC. FOR OVER A YEAR AND HAVE USED THE SERVICE TO MAKE FINANCIAL DECISIONS. INFORMATION GIVEN THROUGH THIS COMPANY IS INACCURATE AND COULD NOT GAIN RESOLUTION OVER THE PHONE. ASSOCIATES REFUSE TO ANSWER QUESTIONS REGARDING INFORMATION DISCREPANCIES. I HAVE MADE FINANCIAL DECISIONS BASED ON THE INFORMATION PROVIDED BY TRANSUNION INTERACTIVE INC WHICH HAVE FURTHERED HARMED MY CREDIT AS WELL AS CHARGED ME {$17.00} MONTHLY AS WELL AS ON SEVERAL OTHER OCCASIONS FOR MISINFORMATION. I HAVE MADE SEVERAL ATTEMPTS TO HAVE MY INFORMATION REFLECT ACCURATELY BUT WITH NO SUCCESS. I THEN REQUESTED A FULL REFUND BUT I WAS TRANSFERRED SEVERAL TIMES WITH OUT BEING GIVEN PROPER GUIDANCE OR SERVICE. THIS MATTER REMAINS UNSOLVED AS I CAN NOT SPEAK TO ANYONE THAT WILL HELP. I AM SEEKING A FULL REFUND OF ALL MONEYS PAYED I INTO TRANSUNION INTERACTIVE INC IN THE TOTAL AMOUNT OF {$310.00}.
Consumer complaint received 2015-03-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.
Consumer complaint received 2016-12-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (CA)

My google wallet / payment account was blocked. 
The company claims I have violated their terms of service. I have read them, and believe did not violate any of these terms. All I did was use Google wallet to transfer funds to my husband, which is well within the scope of what the service allows. 
Furthermore, the company refuses to explain which terms I violated and how. 
As a result, I 'm no longer able to send or receive any funds through Google wallet, make any purchases through Google of apps for my smartphone, groceries through Google express, or checkout through any merchant that uses google payments. I believe the closing of my payment account is unfair and at the very minimum, a more detailed explanation should be provided, so that I could appeal Google 's decision if their facts are incorrect.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX and today, XX/XX/2016, it was brought to my attention that XXXX issues remain on my credit history that should have been removed at least several months ago and as far back as two years or more : XXXX and XXXX. It should be removed from my credit history because it has lowered my credit score tremendously. Why do these credit directories refuse to remove erroneous information from my credit history?
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Ageny will not permit me, as a paying customer of theirs, to utilize the online dispute process for which I am paying a premium to use. 

" Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone. ''
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc (FL)

I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada) (FL)

Allied Collections Services of Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX ) called me ( employee # XXXX ) to collect a debt that they claimed was from XXXX in XXXX XXXX. They were unable to confirm what the debt was for. I asked for this information to be sent in writing to my home address. This information was never sent, and yet a month or so later, with no attempt to contact me again, nor any written contact, the debt appeared on my credit report. I filed a dispute with the credit bureau, who removed it from their report. I then confirmed with XXXX and XXXX that the debt was in error. They confirmed that this information had been forwarded on to Allied Collections. Allied Collections denies this and continues to claim that there is a debt owed, despite having no evidence of it beyond the quantity of the debt, and without ever having contacted me in writing, despite ample opportunity.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.
Consumer complaint received 2016-11-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

I recently moved to Pennsylvania and I have been trying to change the Title on my vehicle to my new PA address. I have contacted Key Bank customer service Auto Loan Dept. on 4 separate occasions in the past two months and I have been unsuccessful each time. Their customer service is horrible! I 've been given so many different fax numbers to send the request to and none of them are correct. Every time i call i am on hold for over an hour and then when someone finally picks up they tell me they have n't received my request or that i should fax it to a different fax number. I have 6 different fax transmissions showing it went through but they have n't received any of them. To top it all off i am calling XXXX and no one speaks English so they keep putting me on hold while they " research the situation ''. No one there knows what they 're doing. Not to mention every time I 've called the hold time is one hour or more ... and two times after waiting an hour the representative hung up on me so i had to call back again and wait another hour. So frustrating!. This customer service is unacceptable!!! My problem still has not been resolved. I want someone to call me back immediately with the correct information as to where DMV has to fax the request to change the title address to. My number is XXXX. I tried calling their corporate headquarters but the number listed on XXXX is disconnected. I was originally a Niagra First customer and had no problems until my loan was sold to this Key Bank and its been nothing but a nightmare. Auto Loan # XXXX. Thank you!
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

The loan modification process took entirely too long. The process should have been resolved after 3-4 months upon completion of " trial payments ''. In fact, through no fault of mine, the process took 8 months, from XX/XX/XXXX through XX/XX/XXXX. During this time, late charges continued to accrue and late payments continued to be reported to the credit agencies. The extended length of time caused further debt and a reduction in my credit score. At no time did I request for the process to be stopped, which is what happened half way through the processing of the modification at the discretion of the mortgage servicer.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA COMPASS CLOSED AND HAS FROZEN MY BUSINESS DEPOSIT ACCOUNT. THE MONEY THAT WAS DEPOSITED INTO THE ACCOUNT WAS DEPOSITED IN CASH IN FOR SEPERATE TRANSACTIONS. BBVA LOCAL TELLER MADE THE MISTAKE BY KEPT DEPOSITING THE MONEY INTO MY PERSONAL ACCOUNTS AND NOT THE BUSINESS. I MADE THE CASH DEPOSIT ON XXXX XXXX, 2015 IN THE AMOUNT OF {$4000.00}. AFTER THE ERROR WAS CAUGHT A MONTH OR SO LATER I WENT INTO THE LOCAL XXXX CA BRANCH TO ALERT THE BANK OF THE ERROR AND THE BRANCH REP TRANSFERRED THE MONEY OVER. NOW BBVA WONT RELEASE THE MONEY TO ME. THE MONEY IS CLIENT MONEY AND DOESNT BELONG TO MYSELF THE MONEY BELONGS TO THE CORPORATION.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

My sister 's name is on my credit report on XXXX, Equifax. Her name is completely different than mines and our social number differs by XXXX digit. I 've contacted Equifax and they told me that I need to call them every time to straighten out any loans that does not belong to me, i.e. for the rest of my life. It should be their job to report correct information and not mines to correct them. I would like to file a complaint against all XXXX credit bureaus for false, inaccurate reporting of my credit and failing to correct it.