davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
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. (MI)

I purchased my vehicle that was leased through Ally bank for XXXX years, at XXXX years and XXXX months I sent a cashiers check for the full amount of the lease buyout to Ally bank. They acknowledge this was received XX/XX/2021 and I just received the title for my vehicle XX/XX/2021 which is not even a complete title in my name ( excluding a need to visit XXXX of XXXX ). Because of this I have lost over {$4000.00} in the sale of this car, insurance, XXXX vehicle that I have now owned for over XXXX weeks, and I have the paperwork and quotes from XXXX, progressive and statements from a wholesaler who was attempting to buy my vehicle to prove this now is a loss of value for the sale of my leased vehicle. I called Ally Bank over and over for XXXX weeks, sat on hold for XXXX minutes at a time only to be treated like garbage by their staff once the calls were answered, I was refused email confirmation of phone calls, I was refused proof of my calls to Ally, I was refused any options to speak to anyone else such as a customer relations specialist. I was told to wait for emails that never came, and finally after demanding that I wouldnt hang up a call before they sent this required email, I finally got the email on XX/XX/XXXX which required signature after signature, then more asking & waited for Ally to complete their end of it while being threatened NOT TO SIGN UP FOR AN ACCOUNT TO TRACK THIS LEGAL SIGNED DOCUMENT IN ORDER TO KNOW WHEN IT WAS ALL COMPLETED. Then once again I waited a week to finally receive a title in the mail but its not even my COMPLETE, OFFICIAL TITLE OF OWNERSHIP. 
Its a title of sale that I am now required to take to XXXX of XXXX for assistance in completing the final title creation.
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX USAA received a check in excess of {$22000.00}. On XX/XX/XXXX they applied the payment to a loan we had with them and have held onto an excess payment of over {$10000.00}. 

They filed me the hold would be 15 days. They are claiming the date started from an email on the XXXX congratulating me on the pay off. 

This is in excess of how long this bank can hold on to MY money. I want the money to be released immediately so I can start to relocate my assets to another bank
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

Self reported to my credit that I was late on payments when in fact I wasnt I requested to cancel on multiple occasions but they denied my request to cancel after sending multiple emails and phones I need this removed from my credit I emailed them XX/XX/2020 XXXX
Consumer complaint received 2022-11-09
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXXXXXXXXXX XXXX Acct # XXXX, XXXX Acct # 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
Consumer complaint received 2019-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NV)

I started receiving calls from ( XXXX ) XXXX as early as XXXX in the XXXX! When I pick up the phone, they almost immediately hang up, only to call again a bit later. My wife called the number back as I was writing this, only to find out that somebody from Navient was on the other end of the line. Navient is a collection agency who has been after me for my student loans. They have been calling several times per day, only for me to REPEAT to them that I am XXXX ( I have XXXX and can not keep a job ) and that I am already in the process of having my student loan forgiven on the basis of XXXX through XXXX. Now it seems they have resorted to straight harassment-spoofing their number so that we can not tell it is them when they call ( we usually answer, anyway ) and then just hanging up instead of even speaking to me regarding the situation and overdue payments. What the XXXX is going on, anymore? Companies can just get away with this sort of behavior?
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. Equifax sent me a letter claiming none of the inquiries I placed on my letter wasn't on my report when indeed they are still reporting the inquiries on my report. I attached the letter below. I called and all they did was tell me to resubmit the dispute by mail, which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please. XXXX XXXX had no permission to pull my credit report or XXXX
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one refused to increase my credit limit on my credit card. in XXXX of 2021 for credit score being too low this is violation of the XXXX and violation of my consumer rights. This is actually an adverse reaction toward me by capital one and discriminatory.
Consumer complaint received 2019-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

In XX/XX/2019, I called what I believed was FedLoans Servicing. I  wanted to apply for the teacher forgiveness program. I was connected to a man named XXXX in Florida. He told me that I would do better going for the public service program. He gave me the information and said he would put it through. I told him I really didn't understand what he was saying, but he kept assuring me that he knew this was better. He said that I would need to pay {$190.00} for the next three months to catch everything up, then my payment would be {$100.00} per month for the next 10 years. I am positive that he did not tell me that those charges were adminitrative fees because I would have said no. I gave him my banking information and they took the first two fees out on XX/XX/19 and XX/XX/19. After that, for whatever reason, the third payment did not go through, so they started to call for the last payment. It was on the verge of harrasing behavior, so I got concerned and started calling FedLoans. They said they did not initiate any repayment plan for me and that I probably got connected to a third party. FedLoans told me that they do not charge for these services and that I should file a complaint. So here it is. I further got concerned when I called them to find out what was going on, they never answered the phone with a company name, only a person.
Consumer complaint received 2022-10-08
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 another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-06
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. (MO)

I recently submitted a complaint through the CFBP portal outlining the fact that Transunion has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Transunion ignored the complaint and closed their response through the CFPB portal without resolving the issue. Transuion continues to place an old, unverified Aleged debt from XXXX that stems from a closed XXXX XXXXXXXX child support case. The case was based on fraud and got dismissed by an XXXX XXXX circuit Court Judge. Without any certified evidence, proof or documentation from a Judicial officer, Transunion arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Transuion, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX Childsup is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction.
Consumer complaint received 2023-07-31
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. (SC)

This is my six 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (NY)

I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXX XXXX XXXX XXXX XXXX  collectively.  A debt collection agency known as The Bureaus is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The Bureaus, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX  and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The Bureaus in a position to own this debt, and for that matter, The Bureaus has clouded their scan even deeper by stating that the debt was acquired by Bureaus Investment Group No. 15, which is affiliated as a sister company of The Bureaus, see Abeyewardene v. Bureaus Investment Group Portfolio No 15, LLC (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The Bureaus came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX and eventually I settled with that agency, even though XXXX  could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The Bureaus never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The Bureaus and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX  against Bureaus Investment Group No. 15, and this must give the credit reporting agencies a huge red flag on The Bureaus licensing.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to and consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

The following accounts were used without my permission. It affects my credit file and finances. I am a victim of Identity Theft. I demand to remove the following accounts from my credit report!. 
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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 account INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/22, I ordered 11 items from XXXX  XXXX totaling up to {$390.00} ( order number XXXX ) On XX/XX/22, per XXXX  Tracking XXXX, I was suppose to receive 8 out of the 11 items. When the package arrived, the items listed were incorrect. They were female clothing. None of the XXXX items were there. I called XXXX XXXX to let them know I did not receive the correct items. The XXXX XXXX rep said she would provide a return label so I can get a refund back for the items I did not receive in the amount of {$280.00}. She then re-ordered the 8 items per order number XXXX. The incorrect returned items arrived to XXXX XXXX on XX/XX/22. Instead of a full refund as promised, I received {$89.00}. I am still missing the {$190.00}. I have called several times and they keep saying It will get looked at but no one seems to care.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Wire transferred $ XXXX to COINBASE to invest in CRYPTO XX/XX/XXXX & with some difficulty fulfilling all requirements account established & purchased crypto. 
XX/XX/XXXX, wire transferred another $ XXXX, followed same instructions & they received, & after three cases XXXX on XX/XX/21, another case XXXX on XXXX, last Case on XX/XX/21 XXXX, each time calling them on the phone & waiting over hour n half only to be told that everything looks fine & didnt see any problem & each time told couldnt resolve issue after some investigation & told me they would forward to higher authority to release account to enable me to use wired money to invest in crypto as I requested. 
NOW, going on 30 days holding my money without them offering any understanding of why wont allow since already invested the XXXX wire transferred on XX/XX/XXXX? 
The last outcome after calling once again, said hold time 30 minutes but took TWO HOURS, representative said she once again didnt understand why after her investigation was not able to trade??? She said she would consolidate all three cases to higher authority that would only communicate through email only after there complete investigation. 
Totally at my whits end with what can be done?? 
REQUEST to either allow me to trade or wire transfer my funds back to my financial institution. 
Email XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Cell # XXXX My name is XXXX XXXX
Consumer complaint received 2019-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I submitted a complaint against LVNV Funding XX/XX/2019 it was stated that the said account would be removed from my credit report the account was never removed and it is harming my credit
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I had over {$400.00} stolen out of my account. I immediately called Wells Fargo and demanded that they immediately return the money that was stolen. Their response, which should have been Yes, customer let me immediately return your stolen money. Instead their response was We could care less that your XXXX is ruined we refuse to give your money back until we sit on it forever because we are too lazy to do our jobs. I just want my stolen money back immediately, not in three weeks because these people will use everything from their laziness to this overblown pandemic to keep from doing their jobs! If it had been their holiday that was ruined by this theft or one of their buddies then they would bend over backwards to immediately fix it. I want my money back and I want Wells Fargo sanctioned!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute a number of errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. Upon a thorough review of the information provided by your agency, I have identified several inaccuracies that require immediate attention.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (TN)

I transfered XXXX $ from my XXXX XXXX  account to my XXXX XXXX card. The money was removed twice from my account. It put my account in the negatives XXXX XXXX so when i got paid this week that was deducted from my check. Ive contacted both companies and they both blamed it on the other. Im not sure whose at fault. I have screen shots of my transactions from the last week to show proof.