davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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: ALLY FINANCIAL INC. (RI)

I financed a vehicle back in XX/XX/2023. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan.

Ally finance approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST PORTFOLIO SERVICING INC (OH)

I did not receive a notice of right to dispute from Total Visa for Account # XXXX. According to the FDCPA, " RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. ''
Consumer complaint received 2018-12-14
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)

Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the XXXX, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DE)

This issue is related to Public Service Loan Forgiveness or PSLF. MOHELA is my current student loan servicer and I submitted my final paperwork to ask my loans to be forgiven as I qualified for Public Service Loan Forgiveness to both Mohela and Studentaid.gov in early XX/XX/XXXX. Prior to this date, my servicer was XXXX and every year I submitted my PSLF tool application on-time and was kept up-to-date with my qualifying payment count. Well, this past week ( XX/XX/XXXX ) I reached back out to MOHELA to request more information on my status and they indicated that even though I have 140 qualifying payments ( at this current time ), they would not be able to 'validate/audit " all of my payments prior to new payments starting back up on XX/XX/XXXX. 

This is absurd- for two reasons - first, they said that " if I have any 'payments ' for {$0.00} that those payments would not be counted as qualifying payments. '' ( that is against the the new law that just got passed. ) Second, most of my {$0.00} payments were when my loans had been placed in forbearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as I was incorrectly told that I would need to place them in forbearance in order to make sure I would not have to make payments on my loans during my service; however, had they just been placed in a 'Income-based Repayment Plan, ' due to my income being around XXXX XXXXXXXX I would have made {$0.00} payments due to my financial situation. 

Therefore, with Mohela indicating that I will have to start making payments again in XXXX and that I will not be eligible for a refund on any new payments that replace {$0.00} payments within my 120 qualifying payments, they are illegally denying me from receiving payment counts on my XXXX XXXX XXXX XXXX- which is illegal and protected by law. 

I would like for you to support my case in any way possible so that I can receive proper loan forgiveness as I am entitled to receive. 

Thank you!
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (AZ)

Regarding Mercedes-Benz Financial Services Account # XXXX The original vehicle contract was to terminate XX/XX/XXXX, with 30,000 miles. 
Mercedes allowed me to pay for a 1 month extension to the lease, extending the contract from XX/XX/XXXX to XX/XX/XXXX. 
I returned the vehicle on XX/XX/XXXX, with only 23,946 of the 30,000 allowed miles used. 

Despite only using a portion of the 1 month extension I paid for, as well as the substantial sum of unused miles ( roughly 6,000 ), Mercedes has assessed an end of lease turn-in fee of {$640.00}. All this despite no damage or excess wear or tear. 

I request that Mercedes waive the turn-in fee.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/2023 I filed my initial complaint against Goldman Sachs as the bank issuer of the Apple Card. Please see the lengthy description of the issues. GS representative responded on XX/XX/2023 acknowledging their egregious errors with the handling of the fraudulent purchases made on my Apple Card. However, since their response my credit card has now toggled between restricted and ultimately locked due to XXXX XXXX being listed under installment payment plans. These were the very same phones originally purchased on XX/XX/XXXX ( the date of my card being hacked ) and were reversed under the XXXX complaint response. I was advised by a customer service representative that these were placed on my Apple Card by the XXXX XXXX. However, the dates coincide with the date the GS responder reversed all fraudulent purchases. I am back to where we started as it appears the XXXX " back office fraud department '' is not aware of the complaint response acknowledging the fraudulent purchases or the fact that all of the outstanding issues had been resolved. Additionally I was to have received a return call from the GS responder confirming that my XXXX ID was recovered contrary to the statement made in their response. I have had at least XXXX separate customer service line supervisors confirm the recovery of my ID and that all compromised information has been deleted or other security put in place. 

I have placed numerous requests for a response from someone in the back office operation to get an explanation of the issues but as of yet I have not spoken to anyone in the XXXX weeks since the mess reappeared. I was told they tried once but that my phone would not allow them to be put through and they are only allowed to make XXXX call to a customer. I advised that as they were calling from a restricted number, XXXX does not allow the completion of those calls for my safety. I left instructions that they either call from an identifiable GS phone number or to contact me through email. Again, nothing. To say this has been frustrating and terribly inconvenient just doesn't express the feeling of victimization from the company who states their policy of " XXXX XXXX Liability '' as a hallmark of their organization. What a joke. I have had to advise vendors that my annual renewals normally charged to my Apple card will have to go to another of my accounts.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

The mortgage company that services my loan did not pay the renewal premium on my home owner insurance policy in XXXX of XXXX and all the way to XX/XX/XXXX. In XXXX I was able to call them and get them to pay the premium and have insurance, or so I thought. Traditionally this is part of the service of a mortgage co., and why they collect money into my escrow account. Yet they fail to pay the annual renewal premium in a timely fashion or at all as is the case in XXXX. It would seem after they paid the renewal to insurance company in XX/XX/XXXX, they sent to wrong address. 
The payment for my homeowners insurance was returned to the mortgage company. They re-deposited it into my escrow account with no notification of having no home insurance until XXXX. They let me go without any home insurance coverage for an entire year, unbeknownst to me! 
I called and asked for an investigation in XXXX, spoke to XXXX XXXX. He never got back to me with anything. In XXXX I called speaking to multiple reps. including XXXX XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX XXXX told me I would be refunded {$1500.00} back into my escrow for them charging me {$1900.00} to buy insurance from their own company for the year that passed that I went uninsured because they failed to send renewal premium in a timely fashion to the correct address! 
I had to find my own new coverage for XXXX at an increase of more than XXXX as much. As a result they increased my mortgage over {$400.00} because my escrow was emptied. Some man called me 2 weeks after XXXX said I would receive a credit and he stated the research is complete and they would not take responsibility for the error and would not be crediting my account for anything. Now this is wrong. I need help, I want my mortgage to go back to what it was before they set me up and robbed me! Thank you.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
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. (NJ)

I have sent numerous letters to Trans Union credit bureau to dispute inaccurate information on my credit report. The first letter I sent was on XX/XX/XXXX. I included my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau has not responded or updated any of the disputed information. Each time I send a letter I wait 30 to 45 days before checking my bureau credit report, so they have enough time to make necessary changes. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: ALLY FINANCIAL INC. (GA)

Ally bank funded a car deal without ever received the title In my name.

I have called ally for assistance in the acquisition of my title and registration but ally bank has not helped.

I am making payments to ally bank for a car that I can not drive legally I purchased the vehicle on XXXXXXXX XXXX,2024 dealers have XXXX  days to send over title and Registration, it is XXXXXXXX XXXX,2024 and the bank still has not acquired the title from their dealership. 

Service contract is included in financing agreement but I have no information on who it is with and when I signed up for it, so I tried to have that cancelled as well but I have not heard back from ally bank.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX - {$800.00} - XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXX  Account Number : XXXX - {$0.00} - XXXX Account Name : XXXX XXXXXXXX Account XXXX - {$2500.00} - XXXX Account Name : XXXX XXXX Account XXXX - {$2800.00} - XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX {$16000.00} - XXXX Unauthorized Inquiries : XXXX XXXX TransUnion 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.