davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MD)

Ally Financial is forcing me to take financial responsibility for errors associated with my auto finance account. My vehicle was repossessed on XX/XX/XXXX. On XX/XX/XXXX Ally Financial mailed me a " Notice of our Plan to Sell Property ''. The " Notice '' stated " We will sell your vehicle at private sale sometime after XX/XX/XXXX. '' I paid Ally the full relocation fee of {$1900.00} on XX/XX/XXXX and reclaimed my vehicle. The " Notice '' breaks down past due payments ( 3 of {$370.00}, 1 of {$370.00} ) = {$1400.00} Late Charges= {$93.00} Expenses ( Retaking the vehicle ) = {$400.00} Total Balance Due including Expenses= {$1900.00} On my XXXX Bill I had a miscellaneous charge over {$400.00}. On my XXXX Bill, it ballooned to {$900.00} in total miscellaneous fees. After several " recorded conversations '' with 14 representatives from Ally Financial, the 14th was able to explain that the miscellaneous fees may be associated with the relocation. I called the relocation department several times, and received a recording stating that my vehicle was not in the system and that I had to call back in 2 hours. My car at this time was not repossessed -- so they would not have the vehicle and therefore, it would not be in the system. As a final call to action, on XX/XX/XXXX, I sent a secure message to Ally Financial corporate office. On XX/XX/XXXX, I received a letter from Ally Financial regarding my secure message. The letter states, " The incurred repossession expenses in the amount of {$900.00}, which were allotted as follows : {$400.00} for the Involuntary Repossession -- * ( I believe this is the same {$400.00} aforementioned ( Expenses : Retaking the vehicle {$400.00} ). The letter dated XX/XX/XXXX has a {$500.00} charge for the key fee. ( To prepare a vehicle for sale, personal items are removed from the vehicle, as such a key was cut to do so ). A key was never cut, I reclaimed the vehicle before it was put up for sale. The {$370.00} credit Ally mentioned was never applied to my account on XX/XX/XXXX ( see attached letter ).
Consumer complaint received 2023-06-08
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. (IL)

In accordance to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.0XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXX XXXX  Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

15 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.
Consumer complaint received 2023-03-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have a HECM Reverse Mortgage. Company who serviced ( XXXX ) declared bankruptcy and was taken over by Carrington Mortgage. My house flooded XX/XX/XXXX and we were in a hotel for months and are now in a house. My insurance company has issued checks to pay for the repairs so we can move home. ( By the way, my husband is XXXX and in a XXXX ) The insurance company has given me until XX/XX/XXXX to vacate the temporary housing and move BUT SINCE CARRINGTON HAS REPEATEDLY, FOR MONTHS, TOLD ME THE CHECK IS IN THE MAIL, AND IT HAS NOT BEEN, I AM SCARED TO DEATH MY FAMILY WILL HAVE NO WHERE TO LIVE since I have not received XXXX XXXX of the XXXX they are sitting on. I have been told I would receive calls ( more than one ) back from management, but NO ONE has EVER called. Nothing but dead air and speaking with a call center employee reading from a script.
Consumer complaint received 2019-01-19
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. (TN)

TransUnion ( TU ) reported publicly that XXXX ( XXXX ) is the third party vendor that supplied the bankruptcy data. I received a report XX/XX/XXXX disputing the inaccuracy of the bankruptcy file date. XX/XX/XXXX XXXX confirmed that the filed date reported to ( TU ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to TU for correction. TU did not correct or update the credit report that reflected the correction from XXXX. TU did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Collection agency keep selling a stolen identity account to each other and after I deleted from my three reports, Experien don't wan na take it off after I filled the necessary police report, the XXXX  and XXXX  took it off but the shady Experien doesn't wan na remove it, please help it's like A mafia thing I have been trying for three years to remove it but, they refused..
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX card inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX  inquiry XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX & fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXXXXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I attempted to make my mortgage payment on fifth thirds app on XXXX  and was given an error message. I attempted again on XX/XX/XXXX and was again given an error message. Ok XXXX  I saw that a payment came out. Again on XX/XX/XXXX I saw a second payment came out. I did not authorize 2 payments to come out of my account. The bank can not refund me the money for the second payment for 14 business days. At which point the payment will almost be due again. I have called multiple times and chatted over the app but no one is willing to help me for the error that the bank made.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX Ca XXXX Check amount {$1100.00} was deposited into my Visa Card XX/XX/XXXX. This money was taken out of my checking account on XX/XX/XXXX. Wells Fargo Bank said " It was a returned check. '' Wells Fargo bank has tried to cash this check twice. Dates : XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  cashed the first check and denied the second check. Wells Fargo owes me back to my checking account {$1100.00} back to my account. The XXXX XXXX tried to help me and the bank is giving them the run around. The XXXX XXXX told me to get in touch with you. My case number with the XXXX XXXX XXXX  is # XXXX. I also went in person and showed proof to the bank that they took my money out of my account without putting it back. I have made several phone calls to the bank.
Consumer complaint received 2023-07-23
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. (TX)

Bridgecrest company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diverse Funding Associates LLC (GA)

I filed a complaint with the CFPB in that complaint I informed XXXX as well as the CFPB that XXXX was in violation of multiple federal laws in theyre response to my complaint not only did they not resolve the matter in a way that was beneficial for me the consumer but also admitted to selling my information to a non affiliate third party without my consent or without giving me proper notice or a chance to deny them from disclosing my information to another party that party being DNF Associates , LLC which is a third party debt collector that I have no contract with nor was there ever an agreement for me to pay a debt to DNF Associates , LLC I also never received services or any kind of product from DNF Associates , LLC . In my original CFPB complaint I asked that XXXX stop reporting the inaccurate account to my consumer report being that it is a charge off and according to the IRS a charge off is considered a certificate of indebtedness which is income they did not stop reporting the inaccurate account it still shows up on my consumer report and they tried to put the blame on DNF Associates LLC for the inaccurate account saying I would have to contact them to remove the account when DNF Associates, LLC isnt reporting any negative account on my consumer report XXXX is and the account they are reporting is INACCURATE they also violated my privacy rights under the privacy act of XXXX when they illegally and unlawful disclosed without my consent my personal information to a non affiliate third party which was DNF Associates, LLC I am demanding that this account be removed from my consumer report for multiple violations of federal and state laws unfair debt collection practices and violations of my privacy rights as well as potential TAX FRAUD for not sending me a 1099 so that I may file the certificate of indebtedness on my taxes this year I suspect XXXX XXXX attempt to file the XXXX instead as a tax write off. Furthermore XXXX Did Not inform me of the transfer of my information over to DNF Associates, LLC until AFTER the transfer was already made this is not proper notice but IN FACT an admittance of guilt XXXX admitted not only in the CFPB response letter but also in a email sent to me on XX/XX/XXXX almost a month after they charged off the alleged debt that they did indeed SELL my personal information to a non affiliated third party DNF Associates, LLC
Consumer complaint received 2023-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

XXXX XXXX : Closed on a house using a mortgage company XXXX : Mortgage company used an escrow account to pay for PMI each and every month. ( I have documentation to the fact and they have even provided me with a statement saying that as of XX/XX/XXXX the PMI was good through XX/XX/XXXX. ) XXXX : Mortgage company sold my mortgage to Freedom Mortgage Corporation. 

XXXX - XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI each and every month. 

XX/XX/XXXX : Freedom Mortgage Corp used escrow to pay for PMI TWICE. 

XX/XX/XXXX : I was alerted to this overpayment by a yearly escrow statement where they are raising my escrow payments about $ XXXX/month. I called and asked them about the double payment and was told that there was a missed payment in summer of XXXX when I asked for more details ( because this made no sense to me ), I was transferred to someone else who confirmed the missed payment was in XX/XX/XXXX. When I disputed it with documentation from previous mortgage company, I was then told that the missed payment had occurred in XXXX. 

XX/XX/XXXX : I formally requested ( in writing via the online portal ) four items to figure out where the missed payment actually occurred and to get information regarding the service provider for the PMI ( so I could get them to confirm/deny the missed payment via a statement from them ). 

XX/XX/XXXX : Freedom Mortgage Corp is refusing to provide the PMI contact information but has provided a " detail history '' of the escrow account. The detail history is full of errors. Not the least of which is that their records do not line up with the IRS 1098 Mortgage Interest Statements for any of the three years involved. ( The records Freedom Mortgage Corp has are short {$1300.00} - amounting to 5 PMI payments. ) I have asked them for more details regarding the double payment to figure out why they double paid and they are unable to explain or credit it back to my account. They are also refusing to budge on the raise in monthly escrow payment amounts that I will be owing in the near future. 

In addition to all of this, they over paid my property taxes ( and I have yet to see a refund on that ). 

Freedom Mortgage Corporation is unwilling or unable to properly maintain my escrow account. 

Please help me.
Consumer complaint received 2022-12-23
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: Experian Information Solutions Inc. (MI)

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on XXXX, Experian and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
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. (CA)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor Information XXXX   XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC. (CA)

Insufficient proof of original debtor when requested after receiving a student loan collection letter from Sallie Mae and I requested the validity of the debt. I also have a private student loan in collections that the balance never changes to be neverending. There's a scam going on in relation to both student loans. The federal student loan was supposed to have been forgiven anyway. I have also a XXXX from XXXX on my credit report and my credit score is a XXXX? A mortgage is in my credit score too somehow. XXXX XXXX XXXXXXXX XXXX XXXX  are the XXXX that has been living in my house by falsifying my multigenerational inheritance transfer from my multigenerational Estate
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UNITED STATES MINOR OUTLYING ISLANDS)

Bank of America without authority took monies out of an unauthorized account on XX/XX/XXXX with two account holders. I was not given this disclosure/ the account was part of a foreclosure home equity account. The funds taken were borrowed funds from my student loans and they were not authorized to withdraw. The bank also did not notify me, I complained about this in XX/XX/XXXX, letting them know that they never advised me of the delinquency and or notified me of the funds coming out of my account.
Consumer complaint received 2019-01-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (KY)

MIDWEST RECOVERY SYSTEMS LLC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$300.00} Date Updated : XX/XX/2019 Original Amount : {$300.00} Original ChargeOff : {$0.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION This showed up on my credit report which I monitor. I recently had a bankruptcy just fall off. Just as soon as I seen it I disputed it. XXXX  says it is a company no longer in business which would be the orginal creditor XXXX XXXX XXXX. I have had online installment loans, but never online payday loans. This is not my account. I have never once recieved a notice stating I owed a bill or a email for that matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

LexisNexis continues to report information that is inaccurate my name is XXXX XXXX there should be no other name listed on my consumer report and LexisNexis does not have any authorization to report any information other than XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be deleted immediately remove any phone numbers they are not mine. Do not ask for identification I have attached it to this complaint. LexisNexis is a data furnished therefore they must comply with federal law.
Consumer complaint received 2019-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (NV)

Diversified Consultants, Inc. Calls me multiple times per day.

I have requested via their website contact form more than 3 times for them to stop calling my phone number. 
They continue to call every day, multiple times. 
I reiterated on the phone that I have requested to not be called anymore and it still happens. 
I have also never recieved any written contact from them explaining the debt they are attempting to collect. 
I want the debt verified and the calls to stop.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (TX)

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX # XXXX Please Delete from my consumer report
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.