davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. 
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. 

I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. 

I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. 

Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. 

Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. 

Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.
Consumer complaint received 2019-01-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/2018 I took out a loan for {$1300.00}. I have been paying {$100.00} since then and continued to borrow in a bad choice cycle. I have paid about XXXX since then. I am attempting to work with consumer credit counseling but they do not work with that agency and they have access to automatic withdrawals from my account. I can no longer afford {$400.00} a month to pay them and am trying to pay my bills off.
Consumer complaint received 2019-01-21
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. (WI)

This complaint is in regards to closed complaint # XXXX filed against TransUnion on XX/XX/XXXX. In their response TransUnion stated that, '' The complaint does not belong to them and that the complaint appears to be a duplicate complaint. '' I have unsuccessfully attempted to get false reporting from XXXX XXXX removed from my TransUnion credit report. In my complaint filed on XX/XX/XXXX I gave proof that my account being reported to TransUnion by XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

In accordance with FCRA it is unlawful for credit reporting agencies to knowingly report false, misleading, or unverifiable information. As of XX/XX/XXXX TransUnion is listing my account reported to them by XXXX XXXX as an UNPAID COLLECTION ACCOUNT. My account with XXXX XXXX was paid in full with my auto insurance in XX/XX/XXXX. 

TranUnion had an legal responsibility to update my account to closed with a XXXX  balance after they received the letter from XXXX XXXX. The letter from XXXX XXXX dated XXXX/XXXX/XXXX states that, '' XXXX XXXX has submitted a request to update your credit reporting to reflect the account as closed with a XXXX  balance. '' This letter was submitted with complaint # XXXX filed against TransUnion through CFPB on XX/XX/XXXX.
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (AZ)

Several of their employees has violated the Fair Debt Collection Practices Act and are extremely rude in behavior Specifically, the employee disclosed information concerning my wife 's (  XXXX   XXXX   XXXX  debt to me   XXXX   XXXX   on   XXXX   XXXX   XXXX    . My wife faxed in authorization to speak and represent on her behalf on  XXXX / XXXX /  XXXX   and I placed an outbound call at   XXXX    XXXX    XXXX   XXXX   at which time the representative of central Financial Control spoke to me concerning all accounts sent to their office for  XXXX  party debt collection. There was a settlement discussed on the accounts in question. Disclosing amount of debt, services provided and dates, as well as agreeing to settlement terms. I inquired about credit bureau deletion and was informed that deletion of accounts from credit bureaus is falsifying credit reports which are an inaccurate statement and misleading, further violating the FDCPA.   I returned the call to  XXXX  on  X/XX/XX    and was informed that the authorization letter was not valid per guidelines, therefore violating the FDCPA in the previous conversation. Further to this point the agent  XXXX  was extremely rude and intimidating further violating FDCPA guidelines. It was stated on a recorded line by your representative  XXXX  that your company is in clear violation of the FDCPA statues. I called again on   XXXX      XXXX  and spoke to  XXXX   XXXX  who transferred me to a  XXXX ,  XXXX  and was extremely rude condascedning and said the phrase that " I do not talk to him like that '' also stated " that I will be transferred to a voicemail and " is that what I want '' when I clearly asked for a live supervisor, then he just transferred me with out saying anything. He transferred me to a  XXXX   XXXX  who I left a message with and still I have not received a call back from this company. I then called back on the same day at  XXXX  and spoke to  XXXX  who transferred me to a supervisor  XXXX  and I repeated what the agent said was clearly their internal violations. He did not resolve the issue and then said he could n't discuss because still their was not an authorization again, even though  XXXX  faxed it, he was also rude and condescending. This company has several violations against them filed by numerous consumers as well as an F rating with the   XXXX  , how are they still allowed to operate. They are rude and do not know collection law.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a   XXXX   XXXX   and new to credit, I was unaware the filing for credit actually hurt your credit. As I was searching for vehicles to purchase I was applying to see who could give me the best rate. Now I can not get approved for anything, apartments, school, etc. I tried to contact  XXXX  of the  XXXX  credit bureous to have the credit inquires removed, the representative I spoke to was extremely unhelpful and seemed very unknowledgable about the company polices. I am impacted greatly by this simple mistake and I feel like I am a victim.
Consumer complaint received 2019-01-21
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. (CA)

I filed Chapter XXXX bankruptcy at the end of XX/XX/2018. 

All of my credit cards were closed as of the end of XXXX ( by either myself or the credit issuers ). 

I was not late on any account prior to filing Chapter XXXX. Both XXXX  and XXXX  are accurately reflecting my payment history, closed account status, etc., BUT NOT EXPERIAN. 

Even though I filed in XX/XX/2018 and all of my cards were closed and never late - Experian is reporting 17 different late payments. What Experian is deceptively doing is counting every account I included in bankruptcy as a late payment in the month of discharge ( XX/XX/2018 ). 

They are violating FCRA, and my next step will be to attempt to get a ruling of {$1000.00} for each inaccuracy in a court of law.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION (LA)

The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX, and XXXX  to remove late and missed payments.. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Consumer complaint received 2019-01-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

this is my 3rd complaint on same acct-continues complaint # XXXX & XXXX.for 5 yrs since our mother passed away we have tried to get jpmorgan chase to close her acct and forward monies-court order instructed them to-well they never do-they keep ans your inquiries saying oh yeah this will be handled-then contact us because they '' never received '' documents faxed to them-we have confirmation it was sent-Every day another reason to delay to obstruct-lies like u can not believe ex : given one fax # on chase ltr but on further inquiry told to send to diff # -ex : all documents sent from chse come to our correct address-except chks-that means we have to fill out forms to stop payment on chks not received-except chase recently admitted they have those chks-why not just mail them to correct address??? so forms filled out faxed THREE wks later told we are missing those forms forms we have fax confirmation on.look i could go on and onthey have no intention of ever releasing these funds, always given yeah its gon na be done-always replying to you matter being taken care of-then telling us more needed more needed ever more needed-they never tell this office that all i know is im becoming-at almost XXXXyrs old-a chase gopher go here do this run there etc-and its really driving me and my brother ill i have XXXX XXXX  XXXX  XXXX XXXX but eh-they drop the ball and i always have to scurry about because of that not fair is there oversight is there justice please help were drowning
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

In XXXX of 2020, I used cash app to transfer funds to a potential landlord who turned out to be a scam artist. I went to cash app to return my funds and they refused and would not allow my banking institution to recoup my funds. The amount I sent was {$1500.00}. I filed a complaint to my banking institution but ultimately cash app refused to return my funds.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

My ex-husband is a XXXX in XXXX, CA. 
We have been divorced since XX/XX/XXXX. 
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix. 
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ). 
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN. 

My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth. 

He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family. 

He is in default of his court ordered child support which dates back to XX/XX/XXXX. 
What is wrong with this country?
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

My cash app was hacked at the time I used cash app for direct deposit of my paycheck, my email address was hacked thru my email thieves got my cash app I have attempted to resolve this issue without success. I keep asking for updates and each time I'm given a different generic response. On XX/XX/2020 {$1900.00} was spent on XX/XX/XXXX and withdrew, also {$90.00} was sent to someone with the name XXXX XXXX. I immediately contacted cash app support thru the only unreliable form of contact email. They responded with six questions which I answered. No one responded until XX/XX/XXXX only because I complained to the XX/XX/XXXX and the response was basically to scold me.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be 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
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. 

In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. 

The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. 

The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2019-01-18
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: BARCLAYS BANK DELAWARE (CA)

Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( XXXX ), Barclays, and XXXX.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

Diversified Consultants , Inc . 
Falsely claims a debt owed to their company from XXXX XXXX XXXX. I never subscribed to XXXX XXXX XXXX for any service.They are calling everyday and harassing me. I need help with this matter
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2019-01-21
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: EQUIFAX, INC. (MI)

Dear Sir, I have received a letter from XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX  that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX  and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.