davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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: TD BANK US HOLDING COMPANY (SC)

I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX. I added a XXXX $ gap insurance policy from XXXX with 72 month financing with TD Bank. When I tried to get a refund for the policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, told me that they sent a check to XXXX XXXX XXXX for the refund. 

I contacted XXXX XXXX XXXX several times about a refund before being given an answer. Today I talked with XXXX XXXX at XXXX XXXX XXXX and she said " I think I sent the check to you in the mail, let me check '' then came back and said " TD auto finance should issue you a refund, they charge us for gap insurance ''. 

So I called T.D. auto finance and talked with someone who explained that the gap insurance is part of the payoff amount. I have not been shown any record of the gap insurance being credited to my account and the amount financed at XXXX XXXX XXXX included the gap insurance as part of the amount finance. 

Further, I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX and also financed with T.D. Auto. I purchased a XXXX $ gap insurance policy for the XXXX XXXX and financed XXXX XXXX I've made one payment of XXXX XXXX On my online T.D auto account the payoff quote I'm given for the XXXX XXXX is XXXX XXXX This obviously does not include a XXXX $ gap insurance credit like they are claiming my XXXX XXXX account did. 

What I've gathered from talking to these three companies is that I paid XXXX XXXX XXXX XXXX $ for gap insurance that is refundable but that refund goes directly to XXXX XXXX XXXX. My account was supposedly credited XXXX $ for the unused policy in my payoff quote, but there is not a tangible record of that happening and seemingly the only entity receiving a refund for the gap insurance is XXXX XXXX XXXX. Had I known that the gap insurance policy wasn't actually refundable to me I would not have purchased it in the first place on either of these vehicles.
Consumer complaint received 2022-05-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 


# 1 - XXXX MXXXX XXXX  - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX  - INQUIRY DATE XX/XX/XXXX
Consumer complaint received 2021-03-05
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. (MS)

XXXX closed my complaint without fixing the issue. Transunion and XXXX claims that the information is no longer reporting but it infact. 

The credit reporting agencies claims that they verified the alleged bankruptcy on my report through the courts or the attorney. XXXX claims XXXX XXXX. 

This information is not XXXX XXXX system so that is false and I have enclosed my letter from the court house where they assures that the credit reporting agencies are lying.
Consumer complaint received 2018-04-16
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. (TN)

I sent by certified mail 3 disputes and an email to it's CEO XXXX XXXX requesting Experian to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.
Consumer complaint received 2022-05-03
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. (GA)

Equifax, XXXX, XXXX, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. Equifax, XXXX, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy XXXX. The Bankruptcy XXXX is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.
Consumer complaint received 2018-04-16
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: LEXISNEXIS (IL)

By their own admission LexisNexis failed to respond to my dispute in the 30 days provided as per FCRA. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer LexisNexis, as stated in their last communication with me said in Case Number : XXXX " LexisNexis accidentally failed to send XXXX XXXX a follow up letter requesting him to contact our consumer center to provide the additional information that was needed. '' This violates the following FCRA regulation : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. 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.
Consumer complaint received 2022-05-03
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: LEXISNEXIS (OH)

I challenged the validity of an alleged bankruptcy on my credit report with all XXXX bureaus. All XXXX bureaus verified the alleged bankruptcy as valid. I then sent a letter to the court house where the bankruptcy was housed. In the letter to the courthouse I stated that according to my report there is an alleged bankruptcy on my record from your court house. Are you subscribed to the bureaus that is reporting the information as accurate. The courthouse sent me back a letter stating they are not subscribed to the bureaus to have any information placed on my report. It was not validated through them. A follow up investigation led to the bureaus stating they verified the information through Lexis Nexis. I sent a letter, which is attached, to Lexis Nexis specifically asking for what documents they had to verify the alleged bankruptcy. I received a letter from Lexis Nexis, which is attached. The dispute statement was inaccurate. There was no information given on what procedures or documentation was used to verify the alleged bankruptcy.
Consumer complaint received 2017-02-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (VA)

I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

RE : XXXX  I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

in accordance with the Fair Credit Reporting act Merchant Adj XXXX account number ( s ) : XXXX, and XXXX. Has violated my rights. 

15 U.S.C 1681 section 602A. 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 written instructions.
Consumer complaint received 2018-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (OH)

Paramount Residential Mortgage Group manager XXXX XXXX constantly bombarded me with the idea that he could get us approved for a mortgage with no problems. He initially gave us a preapproval for $ 300+.  Even after reviewing our information he said we would have no problem closing. Then he pawned us off on a young kid who literally did nothing for us. He never returned our phone calls, or to our realtor. He blew off my concerns and assured me we would close on time even though he was not consistent with communication. Nearing our closing date he told us we would not be able to close on the initial date we agreed upon. Weeks go by without communication again and finally he states my credit is no longer sufficient. This is after he does multiple hard inquiries! As it turned out, I paid a couple credit cards too early and they were considered not paid in the correct statement period. I contacted each company to resolve this on my credit and they agreed to do so. However, without my permission, Paramount decided to disclose my credit history to the sellers realtor and stated " I do not pay my bills, so find a new buyer '' ... Then they killed my loan. They also NEVER told me any of this, so I thought my loan was still in process! The sellers realtor let my realtor know via email the context of conversation between her and MY lender. I am now out {$700.00} earnest money, {$700.00} appraisal fee and the loss of the house and my realtors commissions. And the sellers in turn lost the home they were purchasing as well. 



Paramount Residential Mortgage Group - XXXX XXXX. 

Address : XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (WA)

American First Finance offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my XXXX credit score dropping it 28 points.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citi continued to represent a payment after I had already paid off my entire balance, causing three separate insufficient funds fees from my bank, totalling {$100.00}, as well as a {$25.00} late payment fee from Citi -- despite already having a credit balance from paying more than my entire balance.
Consumer complaint received 2022-04-12
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: CITIBANK, N.A. (FL)

on XX/XX/XXXX there were XXXX unauthorizes charges that Citibank has not credit old acct number ending in XXXX, new acct # ending in XXXX in the amount of {$360.00}. 
The unauthorized transactions are as follows ; XX/XX/XXXX, {$91.00} to XXXX, XX/XX/XXXX {$170.00} to XXXX XXXX, XX/XX/XXXX {$20.00} and {$77.00} to XXXX of XXXX. 
On XX/XX/XXXX Citibank completed their investigation and said that I was in possession of the credit card at the time of these charges and there for they did not consider it fraudulent activity. 
I have called and written to Citibank certifying that I my card was lost at the time of these transactions and I or XXXX XXXX had not authorized anyone else the use of our cards.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

I have two accounts with XXXX XXXX. However, XXXX XXXX has completed an illegal search of my family members and is harassing them. XXXX Is call my senior family members 4 to 6 times a day SIMPLY because the persons share my last name.

Note that The family members are NOT listed on my accounts, anywhere.

The family members are NOT authorized to use my account.

The family members do NOT have accounts with XXXX.

I have never lived at the addresses of the family members The family members phone numbers were NOT provided to XXXX XXXX   by me.

XXXX XXXX has all my contact information.

The senior family members simple share my last name.

How is it acceptable to harass seniors because they share my last name?

Calling 4 to 6 times a day, for no reason.
Consumer complaint received 2020-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

The mortgage company made an error on the closing documents and added an {$18000.00}. tax loan the previous owners were paying off prior to closing, by adding to my tax 's so the escrow account showed I owed over {$200.00} more per month. I have tried getting it corrected from day one at signing. I was told due to the type of loan it would be corrected shortly after closing. It has been 3 months and I have received many excuses on why it can't be done. I am now being told to continue to pay the extra amount until they do a tax review in XX/XX/2020. That is 9 months since closing and the extra amount is causing a hardship. I have sent several messages to the current mortgage company which it was sold to on XX/XX/XXXX and have not received any responses.
Consumer complaint received 2018-11-24
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: ALLY FINANCIAL INC. (AZ)

Ally Financial pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry on my XXXX XXXX credit report is fraudulent, unauthorized and not mine. I never applied for an auto loan with Ally Financial.
Consumer complaint received 2018-10-15
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: Experian Information Solutions Inc. (NY)

Experian Credit Report.There way to resolve a credit report problem it give me a hard time.I try to contact them over the phone not resolved, i try to send o prove of credit issues that they was fully of errors not resolve.They not investigate at all such all those reporting companies they report there with lot of errors.Rude costumer service they treat you like a criminal.The last time i send all the paper work show and prove that those reports are with errors they did not upload my documentation the operator told me that they not received. ( ( ( they lost or they not upload purposely ) ) ) .They tell me send it back again.
Consumer complaint received 2022-05-03
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. (GA)

There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX ACCOUNT # XXXX DOFD : XX/XX/XXXX IS THE SAME AS MY LAST PAYMENT DATE CLOSED : XX/XX/XXXX DATE CHARGED OFF XX/XX/XXXX DATE SOLD XX/XX/XXXX DATE OF MY LAST PAYMENT XX/XX/XXXX When an account is sold and paid in full the ACCOUNT STATUS should be reporting CLOSED or SOLD OR PAID IN FULL and not be reporting CHARGE OFF or DEROGATORY because the status of the account has been sold and the charge off remove because you can't write a charge off for an account you sold and got paid for that will be stealing from the IRS. 
you can not have both an account status and a payment status being reported as charged off IF YOU DON'T OWN THE ACCOUNT you can't charge off the status of an account BUT you can charge off the payment status but not the account status. 

If the account is sold or paid the status of the account is now sold or paid not charged off or DEROGATORY the account was never late to be reporting derogatory XXXX is not reporting the date close which must be reported or trade line deleted for inaccurate reporting a sold charge off that was never closed and for credit reporting you must be closed before the account can report charge off you can't charge off then closed the account when you are reporting on credit reports read the law suite it states when you must close and charge off PROOF OF DATE OF FIRST DELINQUENCY XX/XX/XXXX IS IN THE BILLING STATEMENT ENCLOSED WHEN I MADE MY LAST PAYMENT AND GAVE UP THE CAR BECAUSE OF A DEATH IN THE FAMILY I TOLD THEM TAKE THE CAR IM PAYING NO MORE CANT AFFORD IT SO EXPLAIN AND PROOF THAT MY DOFD IS 2 MONTHS AFTER MY LAST PAYMENT AND A MONTH AFTER THEY REPO THE CAR I WANT PROOF OF THE DOFD XXXX XXXX XXXX SAYS my DOFD is AFTER THEY AUCTION THE CAR ON XX/XX/XXXX how is that
Consumer complaint received 2020-12-14
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. (KY)

RE : REMOVE INACCURATE CREDIT INFORMATION I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX Inquiry date : XX/XX/2019 XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/2019 XXXX XXXX Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX  XXXX XXXX  XXXX  Inquiry date : XX/XX/2019 XXXX XXXX XXXX Inquiry date : XX/XX/2019 XX/XX/XXXX
Consumer complaint received 2022-05-03
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. (GA)

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX RE : Account # XXXX