davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (PA)

Complaint is regarding the " Smart Lease '' program and buy out agreements. Ally Bank issues two separate payoffs for lease buy out ( is this legal? ). One payoff to the consumer / lessee which is based on the contractual lease agreement ( remaining payments + guaranteed residual value ) and another to a dealer called inventory payoff which is based on FMV of vehicle. 

Payoff 1 to lessee ( consumer ) : {$19000.00} Payoff 2 to dealer purchase for inventory price : {$24000.00} ( adjusted to FMV ) This basically locks the consumer out of capturing any equity ( that may exist ) in their vehicle upon a trade to dealer unless the consumer has the funds to personally payoff Ally Bank. This is completely unethical and consumer discriminatory. Then it got worse in my situation, I personally sent Ally Bank {$19000.00} to buy out and payoff my vehicle ( used Ally Bank online payment processing system ) ; however, Ally Bank adjusted the amount to {$2100.00} which was the remaining lease payments only. Ally Bank stated that the only way they will accept the buyout is via sending a certified bank check to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX. They have made it very challenging to payoff and buyout my vehicle. Payoff / Buyout funds were sent to Ally Bank using their online payment processing on XX/XX/XXXX in the amount of {$19000.00} from my personal savings account. Ally Bank subsequently adjusted this amount and did not accept the funds to buy out this lease claiming that those are not certified funds ; however, they had no problem accepting only partial amount of what was sent. 

Dealer was willing to pay me XXXX for the vehicle which would have resulted in net equity toward the purchase of my new vehicle of {$3300.00}. This was lost as Ally Bank would not allow the dealer to payoff the vehicle. Instead, I was forced to personally payoff the vehicle and spend {$19000.00} for which they rejected due to the method of payment. My cash out of pocket on the new vehicle purchase was now much greater than previously expected and I also needed to personally draw on another {$19000.00} to payoff Ally for which they rejected. They have made the buyout and lease payoff near impossible for consumers.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I viewed a copy of my credit report and noticed that a late payment was reported for XX/XX/2021 by Experian for XXXX XXXX XXXX with Account # XXXX, when we were still in XXXX. I was never late in XX/XX/2021, yet the bureau reported a late on my account for XXXX. This reporting is outrageous and very incorrect.
Consumer complaint received 2022-11-24
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. (CA)

This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.
Consumer complaint received 2023-01-20
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: CCS Financial Services, Inc. (OH)

XXXX with XXXX XXXX did a XXXX way call with CCS Collections in efforts to remove this {$400.00} that was paid over 6 years ago to get removed from my Credit. My audio cut off but CCS Collections said they would not remove from report. Even XXXX XXXX ( their client ) requested it be removed. Attached is a copy of the audio conversation. Please help me get this off my credit report.
Consumer complaint received 2023-01-24
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. (AL)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was in some personal emergency and with no access to a PC or mobile phone, so used a phone agent with me bank to process a payment to my credit card company, Capital One, on XX/XX/2020. My bank, XXXX, stated they made the payment for me in the amount of {$150.00} on the XX/XX/XXXX, when called, however they did not. On XX/XX/XXXX I was alerted of a late payment 30 days+ by credit reporting monitor, where I discovered that Capital One on a Wal-Mart MasterCard reported me late for {$3.00} overdue. This would have been covered by the {$150.00} payment from my bank except they failed to process. I contacted my bank, who investigated the issue and confirmed their representative did indeed inform me the payment had been made, but when in fact is had not. XXXX has issued a letter detailing this error, and has requested that any creditor ( in this case, Capital One ) take this as an error on the Bank 's part, and requested to remove any negative impact this caused. I am asking that Capital One do that, as I made the payment in good faith via my bank, who made the error in processing the payment. THis has impacted my credit rating, and I would like to have that restored.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (ID)

I have had a mortgage loan with Wells Fargo since XX/XX/2004, and recently started a mortgage refinance and found out that Wells Fargo hasnt ever reported the mortgage loan on my credit report. I have made all payments on time since XX/XX/XXXX!!! However I was turned down from a different company because I had no mortgage history reporting on my credit, as well as no credit scores!!!! I contacted Wells Fargo about this and they told me that it wasnt against the law for them to not report my mortgage loan to credit reporting agencies and they I would have to contact a lawyer!!!!
Consumer complaint received 2022-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-10-03
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. (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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account 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 year 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 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On a XXXX balance credit card which I do not monitor I was charged incorrectly for a recurring yearly charge by XXXX XXXX, which I had cancelled in XX/XX/XXXX.  However, without my knowledge or consent XXXX XXXX charged me yet again the following two charges the following XX/XX/XXXX XX/XX/XXXX {$99.00} XX/XX/XXXX {$140.00} Only when the credit reporting agency alerted me of the 30 day late payment notice did I even realize that I was incorrectly charged, I called XXXX XXXX and they admitted their error and reversed the charges immediately. I complained to all 3 credit reporting agencies of this error and they sided with Capital One. This was inconceivable as the agent on the phone assured me that they would explain the mishap to the credit agencies and that the error would be corrected. This however was not the case, which is why I have escalated my claim to the CFPB.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Personal information is incorrect on my credit repost, I do not live at the following address : XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX  XXXX, XXXX GA XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (NY)

In the year XX/XX/XXXX, I was managing two small businesses ( XXXX and XXXX ). XXXX was providing on line computer support and XXXX XXXX was used for purchasing jewelry items through PayPal. After some time, PayPal sent me collection letters for {$780.00} for XXXX. I have tried to reach PayPal several times by Phone, Inter Office emails and even Certified Letters but I could not resolve the issues. 
In a call to PayPal on XX/XX/XXXX to their Dispute Dept. with XXXX, I was told that the Balance Due is only {$240.00}. On XX/XX/XXXX I received an e-mail statement that amount due is {$460.00}. ( See Exhibit B, Scan XXXX ).

On XX/XX/XXXX sent a Certified mail to PayPal legal Dept. I received an e-mail response on XX/XX/XXXX. ( See Exhibit B, Scan XXXX ) explaining Debt Amount of {$780.00}. Surprisingly if you added those amounts, it come out to be {$780.00}. 
On XX/XX/XXXX PayPal sent me an email in response to my Second Certified letter, ( See Exhibit B Scan XXXX ) to call PayPal to resolve issues. In every call I spoke to different depts. and different people, every one giving different answers. No one would confirm that I have spoken to someone else before. I have sent several inter office emails for which I received an automated response for receiving email without any follow up. 
Previously, I have received several emails informing me that PayPal is withdrawing their money request. In their emails, there is no Case ID or transaction information. Also I have discovered some duplicate transactions showing negligence on part of PayPal. Even after realizing their mistakes amount due is always {$780.00} and it would not change. 
After many phone calls PayPal provided me with access to XXXX XXXX account I have discovered many unauthorized money transfers and several transactions still on hold in their records. ( See Exhibit A and its summary ). These transactions are from XX/XX/XXXX to XX/XX/XXXX. Access to XXXX account was not granted. 
After discussion with several PayPal Dept., I could not get any explanation on phone, by email or hard copy. My businesses have suffered losses and ending up closed because of these irregularities. It has affected my Credit also. I request your help in resolving this case. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co (FL)

I AM CONTACTING YOU ABOUT THE COMPROMISING OF MY SOCIAL SECURITY NUMBER. I AM A VICTIM OF IDENTITY THEFT. I CONTACTED THE FEDERAL TRADE COMMISSION AND FILED A COMPLAINT # XXXX AND CONTACTED THE POLICE DEPARTMENT AND OBTAINED A POLICE REPORT # XXXX BOTH ARE ATTACHED. PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CREDIT REPORT, AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT. THE FOLLOWING ITEMS DO NOT BELONG TO ME AND IS A RESULT OF FRAUD THAT I DID NOT AUTHORIZE : SAFCO Account numberXXXX Account status Closed Date opened XX/XX/2013 Account type Auto Loan Balance Loan Amount {$12000.00} Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Consumer complaint received 2023-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I sold my house back in XXXX XXXX  I have been owed a reimbursement check I have talked to 3 different agents one her ID was XXXX they talk to fast started reading them, I call and give them my new address they say the will be in the mail, every time no one has a record of me calling, I have went into office locations they won't help, went I to the XXXX branch to get the loan number to file a XXXX help me very nice man told me nothing had been do e the address hadn't be changed, got the account number sent there for about 30 minutes he was trying to fix this for me had 5 minutes to get to work left my number. Have go a call back.
Consumer complaint received 2023-01-24
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. (MS)

I have contacted each credit bureau ( XXXX, Trans Union and XXXX ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from XXXX but they did remove some information. XXXX and Trans Union claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, Convergent Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-22
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. (IL)

In accord to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies excise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy ''. XXXX, Equifax and, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my PRIVATE information isnt shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and protect the security and confidentiality of those customers nonpublic personal information '' ( Furnisher of information to Credit Agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES ''. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax and, XXXX ( Furnishers of information to credit agencies ) weather it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnishers of information to Credit Reporting Agencies ) NEVER informed me of MY RIGHT to exercise my NONDISCLOSURE OPTION, not only that under 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years ''. This accounts is an adverse item they are reporting again without my permission which is against the LAW. 15 U.S Code 1681s-2 ( a ) ( 1 ) a states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title ''. XXXX, Equifax and, XXXX are not maintaining reasonable procedures. Also 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at anytime ''. Also reporting credit transaction history is Illegal under 15 U.S. Code 1666b ( Timing of payments )