davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (CA)

I leased my car via Ally Financial. At the end of lease term, a check was mailed via USPS to purchase my car on XX/XX/23 and was delivered on XX/XX/23. The check was cashed on XX/XX/23. In late XXXX, I got a call from the lease purchase department stating that the payoff could not be accepted because the lease was under my name, XXXX XXXX, and the check was drawn from my wife, XXXX XXXX bank account. Even though we told him that California is a community state and it should not make a difference. The representative indicated that their institution considered my wife as a third party who is not allowed to purchase/pay off the loan on my behalf. I was told that a refund would be issued and I would mail in a replacement check from a bank account with me as account holder. On XX/XX/23, I did not receive the refund check and talked to XXXX XXXX at Ally and was told that refund check was forthcoming. I requested to speak to supervisor and never received a call back. I called on XX/XX/23 again and talked to XXXX XXXX. He told me that the refund check was approved on XX/XX/23 but and should have been sent to me. XXXX said that he would contact the payment processing center to see when the check was mailed and whether it was cashed. But I never got a call back. Later on XX/XX/23, I made a complaint to Allys website and XXXX from executive customer service department called on XXXX at XXXX PDT. When I called back only to learn that his department closed at XXXX PDT, so I left voicemail. Today XXXX I called twice, left messages again and never got a call back. So it has been over 50 days since my payment processed and I still did not have title to my car.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (ME)

On XX/XX/2019 I was researching the best price for a XXXX cell phone with multiple companies including XXXX, XXXX, XXXX XXXX, XXXX and XXXX. 
XXXX advertised a special price for the phone if you financed through XXXX. They directed you to fill in information to see if you would qualify for the financing and then you would be shown the " special price ''. The price was not as low as XXXX XXXX so I did not purchase the phone from XXXX. 

On XX/XX/2019 I received and email stating I now had {$4200.00} in XXXX credit through TD Bank. I contacted TD Bank and they refused to cancel this account. They said they would close the account, but would not cancel it since I had filled in information and that automatically means I am applying for the line of credit with XXXX. Apparently TD Bank will not allow a customer to find out if they will qualify for a loan/credit without actually applying for the loan/credit. TD Bank stated that this case does not fall under the Truth-In-Lending Rescission rule even though I contacted them well within the 3 business day time frame and have not received anything in writing describing this line of credit from XXXX that they claim I applied for. 

Clearly XXXX is also responsible for advertising misleading information causing customers to apply for credit without their knowledge when they believe they are only inquiring if they will qualify in order to be given the special price.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

ON XX/XX/2019 I madfe a transaction through XXXX via their Zelle service for {$200.00}. The transaction was payment for concert tickets. Once the transaction went through the person i sent the money to disappeared. I have their email and phone number. I have reached out to them individually and they threatened to kill me via text I have filed complaints with both XXXX XXXX and Zelle, but neither will take responsibility for the fraud.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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 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 2021-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX. 

I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX  until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan. 
PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX. 

Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been. 

Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}. 

Something needs to be done about this company and their unethical practices. 

I am attaching 2 pieces of proof of what I am referring to.
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Corp Solutions Inc. (OR)

Credit Corp Solution has sued me IN THE NAME OF THE STATE OF OREGON to collect a charged-off alleged debt created by XXXX  using the XXXX-XXXX  account. This was not an authorized transaction. Read the attached documents.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority (WA)

Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.
Consumer complaint received 2023-06-13
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. (NY)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Has 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 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 2023-11-28
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)

On XX/XX/2023, I sent a certified letter to TransUnion LLC asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by TransUnion LLC on XX/XX/2023. On XX/XX/2023, I received a letter from TransUnion LLC that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my TransUnion report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by TransUnion LLC, and a copy of their response for your review.

After you review this information, please make sure TransUnion LLC adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.
Consumer complaint received 2023-03-15
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. (AZ)

I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2019-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I have an auto loan with XXXX XXXX. 

Account # : XXXX I moved XX/XX/2019 from XXXX XXXX XXXX XXXX DE XXXX to : XXXX XXXX XXXX XXXX DE XXXX They never sent me a single statement in the mail to my old OR new mailing address after moving. I even have a mail forward setup with USPS. I also get a screenshot in PDF format of every single piece of mail sent to my old address ( I still own the old address, it's still on the market for sale ). 

They reported me 60 and 90 days late on my credit report and never gave me a single statement, nor did they notify me at all of any credit reporting going on. I found out by applying for a XXXX credit card and getting denied completely ( my credit score is typically above 800 ).

They violated the Fair Credit Billing Act and cost my credit score almost 200 points, literally just for not giving me any statement AT ALL. I called and paid in full as soon as I found out. The worst part is, I had AUTO PAY setup the whole time!!! They weren't running the auto payments! 

The staff at XXXX XXXX XXXX told me it was my problem and to take it up with Transunion. 

Transunion did absolutely nothing at all other than say the information is accurate.
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (MI)

I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )
Consumer complaint received 2021-11-22
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. (MI)

I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX ; Account XXXX, Account XXXX and Account XXXX have violated my rights XXXX5 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Consumer complaint received 2021-09-26
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. (FL)

I have filed disputes with XXXX about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction
Consumer complaint received 2021-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i contacted Transunion about unauthorized inquiries on my report due to identity theft and they refused to remove it. they said that it was a FACT that these inquires were mine... mean while they are in possession of my Police report.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I get hung up on multiple times and told that someone in escalations is refusing to escalate this and then I was lied to by this company and told at first my unemployment program was the one taking my funding back but after a long understanding the compliance manager got back with me and tried to act as if I forgot about the false dispute put on account and false hired customer service agents acting different roles I consume our personal info to transfers out the funds from the account when I know we shouldn't have to give all this personal information.This is ridiculous with all that is going on there's no way my account or me and my child should have to suffer due to some female within this company having insecurities and disliking of XXXX XXXX XXXXXXXX and than to contact me and state that in the comments that funds were being transferred to redlining credit funding is ridiculous Yes I have called for about a year and all my unemployment benefits is disappearing I was told that all funds were being transferred to redline credit funding and also the customer service agents is very rude and nasty and refuses to help with this issue I'm now looking into civil suit against the company for discriminating my account purposely and still is