davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (TX)

I received a certified copy of the TX title by mail from Ally Financial on XX/XX/XXXX. I have had numerous issues trying to transfer title with Ally, and have submitted other complaints with the CFPB. This is a BRAND NEW ISSUE, but related to my previous issues. 

I attempted to transfer lienholder at my DMV and am having a very hard time convincing them that I could NOT have filed sooner because of the delinquency and errors committed by Ally in providing me with the title of the car I purchased through a lease buyout on XX/XX/XXXX - XXXX am being assessed hundreds of dollars in penalties now and tons of extra hassle. I did not have a title from Ally within 30 days of the sale, which was XX/XX/XXXX, and is required by law. I received it XX/XX/XXXX after many attempts to get in touch with them and much hassle and headaches. That title had a glaring error : the odometer statement was wrong by XXXX miles ( too high ), even though I had provided all the odometer statements, etc., to Ally in order to transact. I went through a process to get that corrected with Ally, and also suffered consequences with my new lender, XXXX XXXX XXXX XXXX, because I was delayed in recording them as the new lienholder. XXXX XXXX XXXX XXXX hiked up my rate to 14 % from around 3 % because I was delinquent in recording them as the new lienholder on the title, EVEN THOUGH I HAD NO TITLE TO ACTUALLY FILE BECAUSE ALLY STILL WAS CORRECTING IT. I received a corrected title with the correct odometer reading as per the odometer statement on XX/XX/XXXX, after much hassle and stress in dealing with Ally. THIS IS 5 MONTHS AFTER THE DATE OF SALE. 

Looking at the affidavit that was signed by Ally Financial, which accompanied the corrected title ( sent XX/XX/XXXX ), it appears that there is one new error on the affidavit. The car YEAR is XXXX in actuality. On the affidavit, it reads " XXXX. '' Furthermore, in the affidavit, the reason that Ally Financial provides for the title reassignment is a misrepresentation of the truth ( please see attached ). The TRUE reason for the corrected title, and should have been cited on the affidavit was for the ODOMETER ( that is an option on the affidavit ). Instead, Ally alleges it was for " Other '' : " during reassignement ( sic ), the agent has made a strikeover on the buyer 's address in error. The address should be read as " XXXX XXXX XXXX '' NO FRAUD INTENDED. '' THIS IS A LIE. There was never any issue with the address. Please see the original title with the address clearly stated and with the WRONG odometer reading, and the certified copy of the title with the CORRECTED odometer reading. THE ADDRESS HAD NO STRIKEOVER AND IS CLEAR, NEVER WAS THIS AN ISSUE. THIS IS A LIE.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK (CA)

Midland Mortgage took over as my Service provider from XXXX in XXXX. I was on a Forbearance plan at the time and resumed payments in XXXX of XXXX. After a loan Modification with them I inquired about it being reported to the credit agencies in XXXX of XXXX. Midland said it should appear by XXXX. It still has yet to appear on ANY of the three agency reports and two phone calls to XXXX and XXXX confirm there is no reporting. After several phone calls to Midland to solve this they continue to insist they are reporting my mortgage but refuse to contact the agencies to confirm or to even look at my reports to confirm. This has been a HUGE waste of my time and I have been told i would be called back several times with no follow up. Still no reporting of my Mortgage. Horrid customer service!!!
Consumer complaint received 2019-10-15
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. (NC)

I had contacted an apartment complex named XXXX XXXX in XXXX Az as i had recieved an alert on my credit profile as to a derogatory mark put on my report. I looked at it. Never have I lived in there apartment community nor have I ever in my life lived in an apartment. I contacted XXXX XXXX and explained to them that I have never had any accusation with their company in any way. They stated that they have a signed lease agreement between myself and their company. I informed them that that was impossible. I tried to discuss options to get thisa removed and the only solution is that i pay {$3700.00} for a debt that is a completely false representation of facts. And that I am not responsible for and had no knowledge of this facility even existing until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the problem. So I asked if they could print a copy of the contract so i could see it. The person told me that I had already wasted an hour of their time and that she would not be sending me anything. Next i Contacted the Credit bureau and expressed all my concerns to them. They said they would investigate the situation and for me to send them any documentation to verify my claims. How do you actually do that? Something I am not responsible for and for a place I had never heard of? Makes no sense. Approximately 10 days Later I recieved a letter stating that they determined it was an accurate debt. That I am responsible for it and that it will remain on my credit profile. Which I don't understand how a company is allowed to just submit unverified debts. I resubmitted resubmitted my dispute in the form of a 609 dispute letter twice. With no response which is ridiculous that Credit Bureau Companies are not held to an equal standard for all. There ethics and integrity are absolutely flawed with no reproductions for their part in the false representation of facts. Now I send the information to Consumer Finance and can only hope they can assist. I should not have to hire a lawyer because a company creates fraudulent debt.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
Consumer complaint received 2022-01-25
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-09-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

I received an email from agent XXXX XXXX from XXXXXXXX XXXX XXXX threatening me to be given a warrant for my arrest concerning a debt collection for Speedys Cash Loans. This loan is not on my credit report and I have not received any official documentation for this through regular mail. My mom receives any mail for me concerning important documentation through her home address. I also have my own address and I havent received any mail concerning this debt. For the most part, it is not my credit report and I need to see if this collector is legit.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc. (CA)

Everest Receivable Services contacted me 2 weeks ago via telephone. The agent demanded I confirm my social security number and address. I asked for the company name and nature of the business. The agent refused to give me information and then threatened that a criminal complaint had been files and a warrant was issued for my arrest and that he had been retained to serve me with paperwork at my place of employment. I asked the agent to not contact me and that if the complaint is real to contact me in writing. Now agents have called me at work repeatedly and left messages threatening to contact my employer/payroll and they have contacted family members stating that have a criminal complaint against me and need to know my whereabouts and to ask me questions. My family members have asked for the calls to stop. Agents continue to contact them several times a day. Agents call my cell phone and work number repeatedly in 5 minute intervals.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX/XXXX, XXXX XXXX. XXXX XXXX removed from my credit report.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendUp Loans LLC (CA)

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$520.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$690.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (WA)

We had a number of issues and delays with Better Mortgage during our refinance in XXXX. We started the process at the start of XXXX and it wasn't completed ( or at least we thought ) until end of XXXX. We've never had a purchase or refinance take 3 months! 

Well, the latest issue just came up today, XX/XX/XXXX. We kept receiving statements from our old HELOC servicing company, but assumed it was a glitch because our HELOC account was with a credit union in XXXX, IL ; however, they outsourced the servicing to a company called XXXX. This was supposed to be paid off/closed during the refinance process. The account with the credit union was closed ; however, we just found out XX/XX/XXXX that the XXXX HELOC for {$500000.00} was still opened almost 8 months later. I called XXXX to stop the statements because the most recent one showed we were charged an annual fee ; XXXX stated it was still an open/active account being reported to the credit bureaus and refused to close our account. I said I have a paper trail with the title company ( XXXX ) and Better Mortgage that we signed the closure form and emailed to them on XX/XX/XXXX. They had " forgot '' to have this included when we signed all other documents at closing, so XXXX  emailed me the HELOC closure form on the morning of XX/XX/XXXX ; I returned by the afternoon of XX/XX/XXXX. 

I emailed the contacts at XXXX XXXX and Better Mortgage with no response on how quickly this will be fixed or how it will be corrected. 

It has adversely impacted us showing our debt ratio higher than it should be with an open line of credit for {$500000.00}. Let alone the time now I've had to take calling 3 different companies, being put on hold to be transferred to the correct departments and babysitting this process to have a major error corrected that we didn't even create.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CT)

I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (PA)

XXXX is showing a late payment on XX/XX/XXXX, from TD account last XXXX- so I complain to Td Bank, they were nice enough to write a letter on my behalf. The problem is XXXX wants TD Bank to send experian the letter. XXXX  doesnt want a letter coming from me! So I contacted td bank, I asked them to please send a letter of correction to experian. They said they would only give me a letter, and that theyve already sent a letter of correction back in XXXX. I asked TD BANK if they could please resend it because XXXX will not correct it without you sending it.- but after 10 requests TD BANK STILL refuses to resend, and I have no proof to TD Bank ever did send the initial letter to XXXX. Im being caught in between XXXX  and Td Bank XXXX TD Bank refuses to send letters to XXXX, XXXX  refuses to except my letters from TD Bank. I spent over 100 calls, and 80 hours on this.
Consumer complaint received 2021-03-09
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: Consumer Adjustment Company Incorporated (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-07-29
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: DISCOVER BANK (MA)

Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX company failed to mitigate damages ( XXXX RPL XXXX ) from an early termination of a XXXX  Lease during Covid ( high risk and had to leave the city ) and instead left the unit off market and sent me to collections for ~ {$5000.00} in unpaid rent. XXXX XXXX time frame. 

Currently suing the XXXX XXXX XXXX in XXXX small claims court for this violation of duty to mitigate. Courts are backed up and waiting for a docket. 

As soon as informed that the XXXX sent me to collections, I sent a certified debt validation letter via XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt collector ) on XX/XX/XXXX. 

HW IncXXXX refused to accept the Debt Validation letter and it was returned. 

Subsequently, I filed disputes with the 3 CRBs. 

HW Inc. replied to them ( but not me ) on XX/XX/XXXX ( according the HW rep on phone ). 

Still receiving harassing phone calls from HW Inc. as of XX/XX/XXXX, despite having informed them of the Debt Validation attempt and the ongoing court case. 

Attempting to purchase my first home to start a family and am having difficulty with mortgage approval from this.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC (NY)

XXXX is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and XXXX must stop reporting and selling these closed/paid accounts to XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I opened Chase Saving account online in XX/XX/XXXX with the promotion of {$200.00} bonus for depositing a total of {$15000.00} or more in new money within 20 business days, and maintaining a {$15000.00} balance for 90 days ( promotion link : https : XXXX XXXX XXXX XXXX XXXX XXXX ) by clicking on the " open account '', which automatically load the offer code in the saving account application. The bonus should be deposited to my saving account within 10 business days of meeting the terms and conditions. I met all the terms and condition but still haven't received the bonus by XX/XX/XXXX. I contacted Chase via online message, but was told there is no promotion code ever on the account and since the account has been opened for more than 21 days they would not be able to add the code now.
Consumer complaint received 2020-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint has changed the amount owed going back and now adding a month that was never mentioned nor was communicated within any of the emails nor verbally communication by any of the individuals that contacted us. As of Monday XX/XX/XXXX another lady called and stated that she is now going back and adding XXXX because XXXX says they can't find any proof and if we can't find any or provide any she's adding on an additional XXXX to the amount now due. This lady refused to listed to what had already been discussed and stated that none of the recordings mean anything and that she is adding back the fee 's and penalties and that we now need to pay it. She continued to over talk me stating that this is an attempt to collect an debt. They have taken payments sent in and notated them towards payments that was already paid. Example, she took the XXXX postal money order that they said they haven't received and now she is stating they have received it and applied it to an XX/XX/XXXX payment that we already made and wasn't in question. I'm trying to understand how she is stating that we didn't make XXXX but she has XXXX this makes no since. Not only that, All communication was in regards to when Shellpoint took over which is according to them was XX/XX/XXXX how are we now saying XXXX when this was resolved by XXXX now Shellpoint is stating we contacted them and they said add XXXX. 

What rights do we have to choose a mortgage lender and how do you file an class action law suite and go higher with a complaint because this company is just as messy and unprofessional as XXXX and it's just the matter of time before they are filing bankruptcy as well and once again it's the customers suffering. These people are scamming hard working citizens and it needs to stop.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

Noticed on my credit reports a collection account Creditor XXXX XXXX XXXX. Collection agency is credit control corp. I contacted both and XXXX  has no record. Contacted credit control which again, no help. Explained to them that all medical is paid by Medicaid. They were not interested and told me to contact Medicaid.
Consumer complaint received 2022-01-25
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. (NJ)

I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.