davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have reviewed my credit report and have identified several accounts that are inaccurate and do not belong to me. I request that you immediately remove these accounts from my credit report. 

XXXX XXXX, Account XXXX : XXXX It is not possible for this account to have a payment history as it is a charge off. I request that you delete this account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have no memory of ever being associated with this company. I request that you remove this account from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX I have never had any business relationship with this company. Therefore, this account does not belong to me and I request that you delete it from my credit report. 

XXXX Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

XXXX, Account XXXX : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report. 

I understand the importance of having accurate credit information and I urge you to take immediate action to remove these inaccurate accounts from my credit report. I appreciate your prompt attention to this matter and look forward to receiving written confirmation of the removal of these accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
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. (CT)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX  XXXX XXXX Account number XXXX Account Name : DEPT OF EDXXXX Account number XXXX Account Name : US DEPT OF EDUCATION Account XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2023-03-14
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. (IL)

Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed. 
documented proof of verification and validation absent incertitudeness.
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Your reply to my complaint no. XXXX against Capital One Automotive was prematurely closed. This is what happened : On XX/XX/XXXX, the auto loan was funded and disbursed. Interest on the loan started accruing with the 1st installment due on XX/XX/XXXX. Funding and disbursement on XX/XX/XXXX pre-dated my signing the loan. My signature on the loan documents clearly indicates a date of XX/XX/XXXX and confirmed with in my email XXXX XXXX, my salesperson. Also, please note XXXX XXXX 's reply on XX/XX/XXXX. Please refer to my 4-page attachment enclosed. Additional confirmation received via email by XXXX XXXX, General Manager advising me thay they don't plan on delivery ( referring to the vehicle ) until they have the plates in hand. His email is dated XX/XX/XXXX. On XX/XX/XXXX, the General Manager, XXXX XXXX is confirming that the plates were sent and should arrive on XX/XX/XXXX. In the meantime, {$120.00} in interest is due on XX/XX/XXXX on the vehicle that has not yet been delivered to the customer. 
Another issue with this loan is how the interest was applied on installments.
Consumer complaint received 2023-07-09
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 1681s 2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

This FRAUDULENT account has caused me, a XXXX XXXX XXXX XXXX, to LOSE OUR HOME due to not being able to be approved for our lease renewal. I have tried to contact the company and dispute multiple times and have received no response. They have also ILLEGALLY THREATENED LEGAL ACTION for a FRAUDULENT DEBT. If the account is not removed from my credit report immediately I WILL FILE A LAWSUIT for a MINIMUM of {$30000.00} in damages.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NY)

This notice is to inform you that you are unlawfully reporting unauthorized inquiry on y consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MA)

I contacted PHH Mortgage on XX/XX/19 requesting to remove the PMI from my loan. The loan to value ratio of my loan is now less than 78 % since the value of my home has increased in the last 7 years. On XX/XX/19, XXXX XXXX is refusrf to remove the PMI from my FHA loan because they will not accept a new valuation of the property. They have said, " New appraisals, which may show an increase in your original value, can not be considered. ''
Consumer complaint received 2024-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NC)

I had a debt collection for a XXXX XXXX XXXX. I called XXXX XXXX multiple times trying to get issue resolved and kept getting transferred to the charge off deot where each time I had to leave a voicemail.It took multiple voicemails before anyone ever called ne back so finally I spoke to soneone who did a XXXX settlement and rokd me to call back with the control number once I paid which I did so on XX/XX/XXXX I called XXXX XXXX everyday since then to verify if money was received and was sent to the same voicemail.Today when I called XX/XX/XXXX at XXXX I spoke with a man who cut me off mid srntence and told me I need to go to the same dept who I have called everyday since XX/XX/XXXX and when I advised him I had left multiple messages he just transferred me where I left another message then called back customer service 2 times and someone picked up and didnt say anything then hung up.
Consumer complaint received 2023-07-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX and Department of Education/XXXX  account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (TX)

It's been 6 months, These accounts are unknown, and no information was given regarding accounts that violate Unfair Deceptive Abusive Practices. Collection agencies and or Credit Bureaus have ignored investigations I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2018-07-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (TX)

Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days. 
I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).
Consumer complaint received 2024-03-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-01-13
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. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-03-31
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC. (ME)

We started to contact Ally Bank Lease Trust 3 months ago to discuss the our options and to receive periodically buy out quotes. On XX/XX/2024 we sent the total amount due via bank check from our credit union. This payment was overnighted and signed on XX/XX/2024 at Ally 's processing center in Kentucky. We followed up via chat service and we were told the Ally was holding funds because the did not work or recognize the bank we sent it from. We have been asking from the start of this process for an expedited title because we are waiting on another vehicle that we may lose the deposit and transfer fee on. Allys policy on this method of payment is a 4 day process to mail us the title of the vehicle we would like to purchase. Ally changes policy and end dates almost every conversation and does not make this process easy or comfortable for us the consumer. I have asked numerous times for a designated representative to help us with this process, XX/XX/2024 I had asked again due to the sensitive timing on this vehicle pay off. I was told last week on XX/XX/2024 that We should have received a 120 day out packet on the lease end process. This was never sent either by mail or secure message. I requested the packet and any lease documentation to be sent to us. Messages are sent 3-5 days after request. The only paperwork we have received is our initial lease agreement. We have also never been late or missed a payment to this company but we feel penalized for trying to pay off this lease. At no time has this company tried to help us or given us any direction in finalizing this matter. We will never work with this institution again and can not believe that they do not do wire transfers and quicker title releases.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I used a XXXX party Check system that uses a check XXXX process, when using this service with my bank the bank stated that the check deposited was counterfeit. The company ( XXXX  ) proved that the process that is held was not only an honest process but very compliant. The initial check deposit from them was for {$50000.00} and Truist placed a hold on that check also has placed a block on all of my personal and business funds that ive deposited that pre date that check deposit. I have reached out countless times expressing the volume of damage that Truist has done by withholding my business and personal funds in where I can not cover my basic expenses. I am given deadlines and time lines are not being fulfilled alongside this I am being told hat I must await for an " XXXX '' to reach out to me in regards to my claim with no other supporting dates. I have provided a plethora of information proving that there is no fraudulent activity that is on my account and I have baked with Truist for a sum of 8 months now with no error, claim, dispute, case, or block on my account at all. Truist continues to push me off and not clarify the reason of the hold and constant block of ALL of my funds even though it has been proven that the 3rd party system and the check used was in fact not counterfeit. Truist is now stating they are investigating as whether to release MY funds that rightfully belong to me as no other parties are or have contested that these funds belong to them. I was also informed when visiting the home branch that the initial operations manager did not like me and that she also verbatim tried it in regards to not even letting obtain capital from my own account in which I have had problems with my account since by being discriminated ( I have recordings and also photo screen shots of correspondence with lead bankers of this operations manager stating to not personally like me due to m being young, XXXX XXXX, and running a business ) and also not having adequate responses on as to my funds that pre date this check are not released. Supporting information has been provided in regards to every single merchant deposit that was not cash into our account also a thorough break down of how our services work with proof of communication to all customers that we have received large payments from.
Consumer complaint received 2024-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NH)

I got a letter stating I owe XXXX I dont understand how on my credit report the amount is XXXX Please explain how they can do that to a Person. 
The loan started at XXXX. 
Please help me fix this issue. 
This was for a car loan but it just kept breaking down and I I voluntarily had it repossessed. 
Bought XX/XX/2022
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Around XX/XX/2023, I fell victim to multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?
Consumer complaint received 2023-02-10
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. (CA)

Experian has incorrectly listed that I have late payments on my credit report however, I have never had a late payment on any credit accounts. These accounts were also included in a bankruptcy that was discharged. 
I have filed a dispute with Experian multiple times ( in XX/XX/XXXX and prior ), and they said that they agreed and that I should not have any late payments on my account, yet when I am checking my report in XXXX of XXXX, the late payments still show on my Experian credit report as key factors influencing my score. This is causing me to be unfairly treated when applying for any credit lines that use Experian, receiving rates that are higher than I should receive, as well as being declined for lines of credit, and I have experienced significant financial damages because of this. XXXX, and XXXX do not show this discrepancy, however Experian continues to leave the issue unresolved.