davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NJ)

Overpayment to {$590.00} Ally Financial claim check was cut in XX/XX/2022, which I never received. I got a letter in the mail claiming it was never cashed. They claim they cut another check which I again havent received. I keep calling every few weeks and all they do is say they will put in a request to have another check cut. 
Its the classic the checks in the mail. 
When you call you keep getting an overseas representative simply putting in requests youre not able to speak to the department that actually cuts the checks and this is just gotten ridiculous and very frustrating. 
They admit they owe me the money but I cant seem to get the check from them and this is a year and a half. Ive been waiting.
Consumer complaint received 2024-03-26
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. (AR)

Reporting agencies XXXX, Equifax and XXXX are in violation of the FCRA act. I have damages from this violation of them reporting information on my credit report from identity theft. According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. Please remove the following accounts and inquiries that i did not authorize from my reports : XXXX XXXX Acct # XXXX, XXXX XXXX for the amount of {$2800.00}, XXXX XXXX for the amount of {$55000.00}, XXXXXXXX XXXX Acct # XXXX for {$6100.00}, XXXX XXXX XXXX XXXX  Acct # XXXX for {$13000.00}, XXXX XXXX XXXX XXXX Acct # XXXX for {$100.00}, XXXX XXXX Acct # XXXX for {$190.00}, XXXXXXXX XXXX for {$16000.00}, XXXX XXXX XXXX for {$980.00}, XXXX XXXX XXXX XXXX for {$5300.00}, XXXX XXXX XXXX XXXX for {$2300.00}. INQUIRES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX for {$59000.00}, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 Please remove these accounts and inquires. I have already submitted a copy of my FTC Report and Police report to all 3 Bureaus numerous times and nothing is being done.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Date : XXXX I recently pulled my free credit report at my XXXX and notice some of the following addresses and names are incorrect you are not mine i already contacted the XXXX credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

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 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 2023-01-06
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. (DE)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-05-27
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$14000.00}, XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX, XXXX & XXXX  reflects whatever data the credit card company wants reflected for each individual. 

So I am filing a complaint against my credit card company to report missing active, good-standing revolving credit card accounts & it's entire history accurately to all 3 credit bureaus. 

Per XXXX  & XXXX  - Capital One is suppressing these revolving accounts from being reflecting on all my credit reports. However, these credit cards are open, with active balances and I have never made a late payment at any time. 

I have 2 revolving cc accounts that are missing from 2 or more of the credit burueaus. 

Capital One Visa ending : XXXX Capital One Mastercard ending : XXXX
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NM)

This is a Care Credit complaint. I used them for a large dental bill. Interest, an outrageous 27 %, was deferred for 6 months, but I thought it was for a year. At the last day of the 6 month period they tacked on interest for the entire amount for 6 months at 27 %. When I called, I was told there was a 30 day grace period, but I had not been notified of that and had confusedly put off dealing with the bill until XX/XX/XXXX. 

I'm sure they can prove their case and their legality, but I do NOT think this should be legal. They are deceitful, confusing, and taking advantage of Americans who can not pay for dental, veterinary care for pets, and auto and truck repairs because the economy is so bad for your average American ( 90 % of us! ) All are essential for survival. I think it is unethical to let vultures like this take advantage of us. Usury has been allowed for a long time. Banks charge outrageous interest rates and yet our savings only makes .01 %. How can Congress justify that?!
Consumer complaint received 2020-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My company, freedom mortgage, has willfully ignored my changing tax status and my charge of hone Insurence. Theyre charging me as if nothing has changed. Overcharging me on my home Insurence by over 1000 and overcharging me in taxes by XXXX. Theyve also failed to apply my homestead credit for over two years. 

This has been ongoing for over a year. Now theyve even held my payment and not applied it to my mortgage. The payment has continually ballooned to where its now over {$700.00} from my original payment. They have repeatedly assured me that theyve applied my changes but every month it stays the same and i have to call and repeat the process, sending I the same documentation over and over again in what feels like an endless cycle. 

Its my belief that theyre deliberately trying to force me in to foreclosure by ballooning my payments and continually ignoring my changes in Insurence and property taxes
Consumer complaint received 2023-01-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2020-08-04
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXX {$18000.00} USDOEXXXX XXXX {$46000.00} USDEPED XXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$26000.00} CXXXX XXXX XXXX {$3300.00}
Consumer complaint received 2020-04-14
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: NAVY FEDERAL CREDIT UNION (LA)

I investigated incorrect information on my credit file with XXXX. 
XXXX  allowed XXXX XXXX and Navy Federal to change the date of the last payment that was received. I requested for XXXX  to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.Navy Federal Credit Union XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED / 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.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

XXXX XXXX XXXX XXXX - Realized my XXXX card with XXXX XXXX had been completely compromised with several transactions occurring outside of the country. The amounts totaled XXXX XXXX 2022 Received a letter stating investigation into {$34000.00} of charges had begun temporary credits issued. 

XXXX XXXX 2022 - Receive a letter stating that the credit issued in the amount of {$29000.00} was XXXX. 

XX/XX/2022 Receive a letter that the previous FINAL decision was reversed without any additional documentation whatsoever for charges I did not make. Impossible to escalate with bank after multiple phone calls.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (MI)

Experian advertises Experian XXXX on the tv commercial but on the website it doesn't have a list of all banks and credit unions. But it also says on the website that you can use a credit card. My credit union is XXXX XXXX XXXX in Michigan and it isn't listed. I pay all my bills on time and would like to get credit for it. I use my checking account. I have seen other people commenting about how they can't use Experian XXXX either because their bank or credit union isn't listed or there are too many similar banks listed. You also have no way to contact Experian, and talk to someone about this issue. But I think all people should have access to boost their credit and not just some people. This service should available to all people. Experian should improve this on their website. The website could use some improving.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (NJ)

I bought a BMW XXXX XXXX VIN # XXXX from XXXX XXXX BMW in XXXX XXXX NJ XXXX I purchased the vehicle on XX/XX/XXXX and now it's XX/XX/XXXX and still have no got no plates on my car due to title issues. I suspect that the car title was not cleared prior to being sold to me, therefore the delays and I don't seem to get any specific answers from them as of why this is happening so I decided to file a complaint and see if I can get this solved.
Consumer complaint received 2020-08-04
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. (AR)

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} USDEPED XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX  XXXX {$3300.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (NC)

XX/XX/2020 our Experian Credit Report indicated a score of XXXX, everything on our file indicating a good payment record. XX/XX/2020 we received an e-mail from Experian indicating our score had been changed downward. Further investigation found our score had diminished by 22 points which we felt was exorbitant. Calling and upon further investigation we found the reason was due to the following. In XXXX,XX/XX/2020we were inundated with e-mails and calls from various lenders regarding refinancing our home mortgage due to the decrease in interest rates. We worked twice with XXXX XXXX XXXX XXXX XXXX, with whom we have our present mortgage, and at least one other lender regarding refinancing. We concluded it would not be to our advantage to refinance because it would take about 5 years to just recover the approximate closing costs of {$5000.00}. None of the offers were acted upon yet our Experian credit score was very negatively, and we believe unfairly affected. 
We are including an attachment of our XXXX  Credit Report of XX/XX/2020 which is XXXX, only a 3 point difference from Experian 's Report prior to the downgrade. 
Our complaint regarding the mandating of two years for these inquiries to be held on our credit report is totally unfair due not activating any of the loan inquiries. It's as if we were penalized for shopping for the best refinancing terms available. That, in our opinion, is anything BUT Consumer Protection.
Consumer complaint received 2023-01-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.