davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX I received 4 emails from Ally Bank stating that my accounts have been restricted for suspicious activity on XX/XX/XXXX. I contacted them by phone and was never given a clear reason for the restriction. However, I was informed that there was no suspicious activity on XX/XX/XXXX and the account was restricted because an investigation was opened on a dispute claim that I had filed on XX/XX/XXXX when I discovered my debit card had been stolen. I believe it is important to note that I received a new debit card after the XX/XX/XXXX dispute claim and had no issues accessing my account until XX/XX/XXXX. I have contacted Ally multiple times to attempt resolution with no success. The information I have been given has been contradictory and inconsistent. I have been given multiple different deadlines for the investigation to be completed ranging from 10 business days to 90 days. I have requested the initial dispute be canceled because I obtained more information from my family that the charges were legitimate. I have requested to speak to the investigator and was told the investigators do not take calls. I would really just like to have this resolved quickly and regain access to my funds.
Consumer complaint received 2021-12-31
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. (IN)

Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, XXXX XXXX is being crooks and retaliating against me for filing with CFPB and XXXX 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX XXXX that was on the door stating they shut the water off. XXXX XXXX is the XXXX XXXX XXXX hired by XXXX XXXX falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. XXXX keeps harassing me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
Consumer complaint received 2024-11-19
Product: Credit reporting 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. (NV)

I saw unauthorized inquiries on my credit report today, and Im completely baffled as to why theyre there. I review my credit report regularly, and this is the first time Ive seen such discrepancies. Refreshing the browser didnt fix anything, confirming this isnt a glitch. I need these documents examined thoroughly so I can finally have peace of mind.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (GA)

XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (IL)

In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}. 

On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease. 

Iq data Int reported a collection account to XXXX XXXX  today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by XXXX XXXX.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MI)

Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!
Consumer complaint received 2024-11-19
Product: Credit reporting 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. (CA)

At the beginning of XXXX, I had massive attempts at identity theft. I submitted disputes to Transunion for the removal of the unauthorized inquiries and provided the required documentation to remove the fraud, i.e. FTC Affidavit. 

After numerous attempts to get the inquiries removed unsuccessfully, I submitted a complaint through the CFPB to Transunion. Transunion responded that they had removed the inquiries from my credit report, however to date, those inquiries are still present on the report. 

My last communication with Transunion about the inquiries in question was XX/XX/year>. On XX/XX/year>, Transunion told me via telephone that the inquiries were no longer there. However, they are visible to me and to the public. 

Please see the below inquiries that Transunion reported to the CFPB were removed from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNTRUST BANKS, INC. (NJ)

I brought my last 2 cars from XXXX XXXX in XXXX N.J. I would iof continued buying cars from XXXX but I recently discovered they paid the payoff on my last trade so late it plummeted my credit score. I called and the staff assured me the payoff was sent. The finance people at XXXX lied and blamed it on the holidays and said they personally had sent it out. I traded my car XX/XX/XXXX. They made the payoff almost XX/XX/XXXX I started receiving calls at my job mid XX/XX/XXXX after returning from vacation that my payment was late for a car I didnt own I called them and was told the owner would clear it up with the bank which they never did. I never even got a call back from them I went from over a 800 credit score down to very low XXXX as a result I have worked so hard to preserve and maintain my credit all my adult life to have this happen This is impacting my purchasing power as I am on the market for a new home and a vehicle for my son I plan to file a complaint against them with the XXXX  Bad business practices
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (FL)

These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

IC systems is attempting to collect a past due amount on a PRE PAID XXXX  ( XXXX  XXXX  ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVN FUNDING /RESURGE CAPTAL LP XXXX SENT ME A COLLECTION LETTER AND REPORTING IT TO XXXX XXXX XXXX FOR A DEBT THEY DONT EVEN OWN, BACK IN XXXX THE TRIED TO COLLECT FOR XXXX XXXX XXXX REF # XXXX XXXX XXXX i FOUND OUT ON XX/XX/2020 THAT TRUE ACCORD OWN THE ACCOUNT WHICH I SETTLED IT WITH THE, i DEMAND THAT LVNV/ RESURGENT CAPITAL SERVICES REMOVE THIS FROM MY CREDIT REPORT ASAP,,
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.
Consumer complaint received 2021-01-20
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. (GA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IA)

I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX  Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify. 

Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned. 

This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Spoke with Equifax XX/XX/XXXX and they said they removed freeze. On XX/XX/XXXX they said hadn't and I would have to fax Drivers License, Social Security Card and written request which I did on XX/XX/XXXX. They are now telling me it won't be lifted until possibly XX/XX/XXXX. They have refused to let me do it on-line or via the phone. My XXXX XXXX account shows it lifted until XX/XX/XXXX but when I click on credit report it says it is frozen.
Consumer complaint received 2021-01-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (CA)

Consumer Adjustment Company has issued collections on both XXXX  and XXXX  credit bureaus for an older debt that was settled by a federal class action lawsuit. 

The original creditor was XXXX and the original collection agency was XXXX XXXX XXXX. Since XXXX XXXX XXXX lost their case in court against XXXX  XXXX  XXXX, they were ordered to remove all negative information as it pertains to XXXX  should the loan be received prior to XX/XX/XXXX. 

Consumer Adjustment Company has opened a collection in XXXX of XXXX for the amount of {$950.00} on my XXXX  and XXXX  reports in another name for XXXX XXXX XXXX who they want to collect on behalf for as the original creditor was XXXX.
Consumer complaint received 2022-08-31
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.
Consumer complaint received 2021-01-20
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. (TX)

I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!
Consumer complaint received 2022-08-31
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (FL)

Complaint against Hyundai Motor Finance ( HMF ) I am complaining against Hyundai Capital America aka Hyundai Motor Finance ( HMF ) ( which is related to Kia Motor Finance ), which adversely affected my credit which resulted in me being denied credit by some auto dealers, humiliation and defamation, for which I am seeking relief and damages. 
In or about XX/XX/XXXX, I had signed a lease with Kia motor finance to lease a XXXX vehicle. According to the lease agreement my monthly lease payment was $ XXXX for a total of 36 months I paid all my monthly lease payments as stated in the lease agreement. 
Somewhere in the middle of the lease period ( after over a year into the 3-year lease ), Kia started harassing me that I needed to pay a few XXXX dollars more. XXXX claimed this was some additional ( property? ) tax I needed pay. However, I was not the owner but a renter of the automobile and the lease clearly stated my obligations were as stated on the lease, namely $ XXXX for 36 months which I was paying or would pay as per the agreement. 
Then, Kia ( aka Hyundai ) apparently reported me to credit bureaus as being delinquent on my auto payments by a few XXXX dollars. 
Recently, in XXXX XXXX, when I was shopping around to get a new vehicle, I discovered that Hyundai had adverse information about me in my credit reports because of which some auto dealers denied me credit. 
My credit report also showed multiple hard inquiries from Hyundai/Kia dealers or other financing entities which also adversely affected my credit scores. 
This caused me great stress, XXXX  and distress and harmed my credit standing and ability to purchase or lease a new vehicle that I wanted to.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (TX)

On XX/XX/2022, I received a letter in the mail with a Visa Debit Card stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. On XX/XX/2022, I called and email Netspend and XXXX. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter. 

On XX/XX/2022, XXXX XXXX of Netspend contacted me because of CFPB complaint XXXX. In her email to me, she stated that a second account was opened : this report is for the second account. The account was opened at a XXXX location. 

XXXX stated that she would close the accounts and prevent my name, address, and social security number from being used to open additional accounts at Netspend. This action does not go far enough as Netspend, XXXX, and XXXX allowed for the use of my personal information, including social security number, to allow for fraudulent activity to occur on an account I did not open. Netspend, XXXX, and XXXX failed to require proper ID for the opening of the accounts. 

It is unknown how the individual opening the account had access to my social security number.