davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
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 would like information on purchasing the XXXX XXXX ( currently at XXXX miles ) I am currently leasing. I would information on the following : 1 ) If I were to purchase the vehicle as an individual, what would the purchase price be assuming I have a tax exempt status from the United States and from the State of California 2 ) XXXX XXXX XXXX XXXX XXXX XXXX If I were to purchase the vehicle through the dealership/company XXXX XXXX, what would the purchase price be I would appreciate it if I can get a breakdown of the purchase price. Thank you. 

PLEASE NOTE : I AM LOOKING FOR A 30 DAY QUOTE
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

I filed a complaint about this company already with this agency and they finally reached out to me on XX/XX/21 with a letter saying the agency contacted them. I spoke with a representative named XXXX who said she will fully process the dispute and that once the dispute is resolved the account and its fees will be closed. The money they filed a debt for isnt money I owe to them since they are just late fees for the disputed amount that I contacted them MULTIPLE phone calls about that they continue to not answer. I called this morning again and they kept passing me along from representative to representative with no information or response to my dispute or questions. Their customer service is absolutely ridiculous which is why I closed my account. I do not owe them anything.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LoanCare, LLC (CO)

I was not notified by Loancare LLC that I was due a payment, and auto-pay was not set up. I have called multiple times, submitted a written request, had lawyers reach out to them with no response from Loancare LLC over multiple month period.
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX XXXX  XXXX XXXX. but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Consumer complaint received 2023-02-19
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (OH)

Phoenix Financial Services out of XXXX apparently bought an old collection account for {$660.00}, that I disputed in XXXX, from XXXX XXXX XXXX The original bill was an error, my health insurance wasn't used from what I gathered, for an ER visit. The date the original collection was opened was XX/XX/XXXX. The balance was updated XX/XX/XXXX, set to be on record until XX/XX/XXXX. 

XX/XX/XXXX of this year, XXXX, Phoenix reported they have opened a collection account for emergency services for {$660.00}. 

This is re-aging. It's incorrect reporting of debt to the credit reporting agencies. It's the same bill from XXXX. 

It has made my credit score decline unnecessarily after I've worked so hard to increase it over the last few years.
Consumer complaint received 2023-03-05
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. (PA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

Hi- nice to meet you. 

I am reaching out as I frankly don't know what I can do in order to secure my escrow refund ( {$570.00} ) from AmeriSave. I'm extremely concerned as I'm worried this issue will compound as I decided to refinance with a separate bank and I'm owed an additional amount for my escrow refund ( {$3700.00} ). 

XX/XX/XXXX I noticed XXXX stated they had mailed me an escrow refund on XX/XX/XXXX. I never received that check. I called AmeriSave and they said it was mailed though it wasn't marked as cashed. At that point - late XXXX I was told that they would reissue the {$570.00} check. 

XX/XX/XXXX, XXXX I called XXXX back and they stated everything was on track to send a check. 

XXXX XXXX, XXXX I called and asked where the check was and XXXX stated it had been re-issued and I can't check back until 30 days later. 

XX/XX/XXXX, XXXX I called back on XXXX and asked where the check was. At that point I was told that they actually hadn't sent the check ( their notes stated it was reissued but not mailed ) and they would reissue. 

XX/XX/XXXX, XXXX I called back to check-in on whether the check had been mailed. I was told will need to wait 7-15 business days ( from XXXX ) to see if it had arrived. An inquiry was opened on my behalf. 

XX/XX/XXXX, XXXX I paid off my loan to refinance with a different bank. Separately, I received - in the mail- a note saying that an inquiry has been raised on my behalf on XX/XX/XXXX. I call again to ask for either a ) a tracking number or b ) for direct deposit. I'm told neither can be done. 

XX/XX/XXXX, XXXX currently on the phone waiting for a supervisor to help see if a check with a tracking number or a direct deposit can be accommodated. 

I have spoken to countless customer service, supervisors, loan servicing employees of AmeriSave. The best answer I have received as to why they can't direct deposit into the checking account that I use to deposit my monthly mortgage payment is " we aren't allowed to under CFPB laws ''. But nothing I'm reading in CFPB laws states that is a hard stop requirement ( please correct me if I'm wrong ) I'd really appreciate a ) direct deposit or b ) a tracking number or c ) some sort of acknowledgement of the grief they have caused me. I would have invested that money immediately in XXXX and the XXXX XXXX XXXX XXXX is up XXXX % since XXXX.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLY FINANCIAL INC. (TX)

Here are the events : 1. I initiated XXXX transfer of my XXXX XXXX  from Ally to XXXX on XX/XX/XXXX 2. I received a dividend of {$470.00} on XX/XX/XXXX 3. At some point, this was moved an escrow account and reported in statements XXXX attached ) as being held in " Other account '' while the main account showed a balance of {$0.00} 4. I have tried contacting Ally many times ( XX/XX/XXXX case # XXXX, XX/XX/XXXX case # XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised that this will be fixed, but to no avail 5. In my conversation on XX/XX/XXXX ( attached ), the agent said " Unfortunately, there is no eta on this resolution just yet and no case is needed. My supervisor confirmed that your account was already noted as one of the accounts that are effected and management is working to resolve the issue. '' and said he couldn't do anything else. 

At this point, it has been XXXX  months since Ally has been sitting on my funds and refuses to or fails to give me access to my funds.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (KY)

In 2018 I was injured at work & placed on worker comp about a month after the injury worker comp abruptly stop my weekly pay and covering my medical bills. I went to BB & T and ask them to remove the automatic payments that I had on my account, the ladies in the bank told me that it may or may not remove the automatic payments which it did not. Leaving me in the hole with BB & T I am currently in litigation with worker comp for unpaid wages and unpaid bills this being one of them, quite literally worker comp bankrupted me with a newborn at the house and I'm still yet to recover fully. Im submitting my worker comp information plus a written statement that I have provided to the credit reporting agencies. All my outstanding debt is from worker comp and my attorney argues that this should be covered by workers comp and has been entered into the official record with the Administrative Law Judge. BB & T has placed a remark on my XXXX report preventing me from opening a normal non-secured checking account.
Consumer complaint received 2018-06-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC (TX)

I have written communication between myself and the company requesting that XXXX and any other company working on there behalf not contact me by phone. The first request I sent to them to stop contacting me by phone was on XX/XX/XXXX. I sent an email as well as signed delivery letter by USPS. On XX/XX/XXXX XXXX sent an email confirming receipt of my request. I have asked that all communications be in writing. They have honored my request up until yesterday. XXXX XXXX with XXXX contacted my place of employment and left a recorded message for me. I contacted the company and asked once again that they stop calling me but was told that they will not stop calling. Stated they will contact my human resources department till the so say " DEBT '' is paid in full. I've emailed the company again reminding them not to call me. This is really embarrassing. 

All I want is for them to stop calling me as I have requested in the past.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I bank with TD Bank in XXXX XXXX, Florida. In XXXX fraudulent charges were made to my account, so the account was closed and we ( XXXX XXXX and I ) opened a new account with TD. However, we were told the account would still receive deposits for 60 days and then close automatically, nothing more we needed to do. Fast forward to yesterday XX/XX/2021. XXXX and I both had our stimulus checks deposited to the " closed '' account. I went to my local branch first thing in the morning and spoke to XXXX. XXXX then called and spoke to a XXXX, who said the checks were indeed in the old account and he was move them to the new, saying I would see this change tomorrow XXXX XX/XX/2021 ). I check this morning and no deposits. I go back to the branch and talk to XXXX again, and again she calls and speaks to someone from TD. They tell her yes, it is being moved from one account to the other and would take a couple days. But then, in the same breath they tell XXXX no, it was sent back to the IRS. I spoke to a Supervisor for TD and they said legally they can not hold money in a closed account. However, even though I was told it would close automatically, it did not. It has been frozen this entire time which is why it was able to receive the deposit at all. I, just like many others, needed that money badly. It was not a closed account, I went to the bank first thing, I was given false information on several occasions, and they could have moved the funds. Even my local branch is in awe that they sent the deposits back. I want to sue for the emotional, mental and financial stress this has caused.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 Please remove these items ASAP.
Consumer complaint received 2021-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

my name is XXXX XXXX i had capital one cridit card for XXXX $ limit, capital one acted as jail statement by lowering my cridit score 65 point by reporting me as missing payment, i paid them in full, through their customer service act as entry level refused to update my cridit report that the balance has been gone and i had to wait till next billing cycle where i got shocked that they reported XXXX $ interset rate on a full paid balance and they didnt care that XXXX $ interset rate on XXXX balance showed on my cridit report so i went and i paid the XXXX XXXX 
but its like i closed the account capital one so messy and night mare and please remove capital one from my cridit report my cridit limit with other cridt cards XXXX and capital one cridit limit XXXX $ as night mare they would place the missing payment for 6 years where they account fully paid and closed. 
its like if they got paid have this night mare ends thanks
Consumer complaint received 2021-03-18
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc. (MO)

Professional Finance Co tried to collect {$220.00} on behalf of XXXX XXXX XXXX and this was opened in XXXX. I went through chapter XXXX bankruptcy and it was included in this bankruptcy, which was discharged XX/XX/XXXX. I disputed through XXXX XXXX with the company and it was proven to be discharged and meeting FCRA requirements for discharge, yet they submitted another hit on my credit after it was already successfully disputed.
Consumer complaint received 2018-06-01
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. (SC)

I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have a XXXX Master Card through City Bank. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this companies but with no real help offered. I wrote a letter to XXXX on XX/XX/XXXX and they wrote back still offering no real help.