davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Off Lease Only Inc. (FL)

I purchased a XXXX XXXX XXXX XXXX XXXX from Offleaseonly on XXXX XXXX XXXX in XXXX, Fl XXXX, on XX/XX/XXXX with a extended warranty. Things seem to fine ; about a week later I received the certificate for the extended warranty and it had the wrong make, model and vin number on it. I called XXXX XXXX ( finance manager ) that close the deal with me, she said she would check into it. Before I called her I called customer service and they contacted her, so on XX/XX/XXXX I called her and she text me back to say she was aware of the wrong info and that she would take care of it the next day. But that never happened. I have text messages of our conversation and also with whom I believe is someone from the warranty company saying that the vehicle I purchased was ineligible for the extended warranty. Now, I'm super concern of what I've gotten into. I immediately took the SUV back to them in the same condition I got it!, I left it in the front parking lot and I met with XXXX XXXX and left the key to the SUV with him. Since, that time its been a lot of lies and excuses everything but returning the check to XXXX and my {$500.00} to me as requested.That 's all I want so my credit won't be marred. I have proof of everything I've said. Unfortunately unable to provide. Checking with Attorney too!
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (CA)

Trying to pay off a mortgage. I have not received a statement from company in two months. They said they were mailed. I went online with their website and got a balance and sent a electronic check which should reach then XX/XX/19. I tried to get a pay off amount and website said that was not available online. I called them and took two hours on phone before an agent answered phone. I was told that he could not give me a payoff at that time it could be faxed or mailed to me. They had to call recorders office to get recording fee. I could call back in three hours and get a payoff. I answered a survey giving poor ratings XX/XX/19 and received a call XX/XX/19 asking about survey. I asked that person to give me a pay off amount and he said it was not available and would request it to be sent by fax or mail. Their poor service is not right. I am calling as I file this complaint and have been on hold for over fifty minutes. Are they even license to do business in California.
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with XXXX and XXXX.
Consumer complaint received 2017-05-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

XX/XX/XXXX  redeposit at maturing  XX/XX/XXXX   ( CD 's # 2 of  them.  Deposit  made by merger, from  XXXX   XXXX  had merged to  Peoples  Bank.  Peoples  bank made a search but it was denied that the funds were still viable who also said we have no recourse. We have the  CD  's in hand, after we were looking over banking info in our financial documents in apartment we foun d   XXXX    cd 's. Before the divorce my son and I had a different name. After the divorce we both changed our last name. The amount of {$18000.00} was payable in my husbands name, but he never received the Cd or any money. I hope to find or litigate the missing funds into my possession. My name before the divorce was  XXXX , afterward my son and myself changed names to  XXXX .     AMOUNTS  XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I sent Experian a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. Experian continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised Experian that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.
Consumer complaint received 2019-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been trying to deal with Navient for the past 2 years, and Sallie Mae ( when it used to own my loans ). I was initially told by Navient that my loans would qualify for loan forgiveness if i met the 120 payments starting 2007. its been over at least a year since i have fulfilled this requirement, and they are not telling me the following : initially, i was told that because of the kind of loan repayment, that i did not qualify for the loan forgiveness, now i'm being told that the kind of consolidated loan that i have does not qualify because it is not a Direct Loan, which was the kind of loan that i initially had before i consolidated it per their advise. Navient is creating different barriers to avoid the loan forgiveness ... and relabeling a loan so that the 'kind ' of loan is not satisfied even though all other criteria is met. this is ridiculous.
Consumer complaint received 2019-06-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group (MN)

XXXX XXXX and XXXX, representing Ascendium,  falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to XXXX. XXXX. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding Ascendium. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. XXXX. XXXX, XXXX XXXX XXXX and Ascendium have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX Ascendium XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC/XXXX line of Credit for $ XXXX- {$760.00} was closed XX/XX/XXXX and also listed under my XX/XX/XXXX Chapter XXXX Bankruptcy. However, HSBC/XXXX issued a late payment in my XXXX credit report on XXXX/XXXX/XXXX when in fact the account should be removed from my report as the account was closed XXXX years ago.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NJ)

hi this is the unsolved follow up claim related to closed claim no # XXXX. Ally bank claimed that they mailed the check of {$10000.00} to XXXX on XX/XX/2019. Before they mailed the check, I called ALLY customer rep-XXXX   XXXX multiple times to ask her to provide me the tracking number and also WHO she connected in XXXX that has aware of the check. but they only told me tracking number. They gave a call on XX/XX/XXXX after the check was delivered two days after. I called XXXX customer service, they told me the credit card depart received the mail, but as my account in XXXX of XXXX was already closed, and they can not allocate the check. so they sent a check back to ALLY bank on XX/XX/XXXX. I called XXXX XXXX several times to ask her to stop the payment and issue me a check directly or at least write the check to specific name and location of XXXX who can receive, otherwise XXXX will always returned the check, they will not give my money back. but like the previous, no one connect with me again regarding this issue.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

As per Home Owner 's Protection Act the Private Mortgage Insurance will automatically terminated when the principal balance of loan reaches 78 % of the original value of the property. HPA disclosure attached from XXXX Bank ( my previous loan service provider ). 

My loan service provider confirmed that my loan is 64.60 %. 

I requested them to terminate PMI automatically as I qualify as per HPA but they refused to terminate.
Consumer complaint received 2019-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pulled my credit report and i have a number of inquiries on my Transunion credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights. 

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. I would like these fraudulent inquiries deleted from my credit file immediately XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-02
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. (MO)

I discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute with Transunion on XX/XX/XXXX because I found inaccuracies across the collections account reporting of my formerly defaulted student loans. These 4 loans were sent to US Dept of Ed collection agency XXXX XXXX XXXX   XXXX XXXX ( They report on my credit as US Dept of Ed ). These loans were subsequently consolidated into one account with XXXX XXXX on XX/XX/XXXX. I disputed these 4 accounts because they are reporting inaccuracies and wanted them verified and updated. Specifically all 4 are reporting inaccurate closed dates and 1 specific account is reporting an incorrect high balance. Each of these accounts are also reporting failure to pay in XX/XX/XXXX when these accounts were after all paid. After receiving my results on XX/XX/XXXX about this dispute and all information being verified and/or updated, I mailed a certified with return receipt requesting method of verification used to verify these accounts since they still contain inaccuracies. On XX/XX/XXXX I was mailed a one page letter about investigation procedure from Trans union, which still doesn't prove their method of verification on these four accounts. They have failed to update inaccuracies, have failed to provide how they verified these accounts since I have proof they are inaccurate. Now we are experiencing a violation in my credit reporting rights. Since the information wasn't made accurate after dispute and they have failed to show the verification method yet these accounts still remain inaccurate. This is a violation that I would now like deleted since the initial result of verification was inaccurate and they have failed to provide how they think it is accurate. Please see all the attachments regarding this matter which include : receipt for certified letter, original letter for method of verification request, method of verification request letter sent on XX/XX/XXXX, original dispute results from XX/XX/XXXX, FAFSA.ed.gov student loan information showing accurate loan amount, and also NSLDS showing the date closed on the accounts which is inaccurate as well and also once again the original balance for the account which has the error dating XX/XX/XXXX. The other 3 accounts show incorrect closing dates which has failed to be validated and once again show otherwise on national student loan database. This has continued to affect my credit and I have put in effort through disputes to have the inaccuracies updated, but they keep coming back verified when i have proof otherwise. These loans are set to come off in less than a year because of the date of original delinquency and I have been dealing with this long enough and inaccurate reporting of these loans.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX  a XXXX XXXX  credit card was fraudulently open and used in my name. I was not even aware of this card until XXXX or XXXX of XXXX  when applying for credit. I HAVE NOT opened this card Ive disputed with XXXX XXXX  as well as trans union. They do an investigation where basically they called XXXX XXXX  and XXXX XXXX  told them oh yeah this is verified as accurate. I have not been furnished any paperwork or documentation explaining why its verified as accurate or how its verified as accurate after asking several times several emails to both companies and sending two letters through the mail to XXXX bank as well. Ive still received nothing, Ive disputed multiple times they will change on the TransUnion. Theyll change a payment history on it but then the very next day they change it right back to what it was before theyll remove a comment from it that I never made a payment and then the next day theyll put it right back on there Because I get alerted every time theres a change on my credit report now because of this situation it is ruining my credit I have a 100 % payment history of anything Ive had credit on in the last seven years explain to me why I wouldnt pay one lousy {$1000.00} credit card off. This makes absolutely no sense and in my book its criminal what theyre doing
Consumer complaint received 2019-06-14
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. (PA)

I recently pulled my credit report and i have a number of inquiries on my Experian credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account, police report and FTC Identity theft report was submitted prior in reference to these inquiries. during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/
Consumer complaint received 2019-06-14
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 (FL)

On XX/XX/2019 I noticed there was a fraudulent charge on my personal Discover Credit Card. I reported this fraud to Discover on XX/XX/2019. On XX/XX/2019 I noticed that my Discover card balance was - {$3100.00} and that there had been several years of fraudulent charges on my Discover Card. I called Discover and asked about these funds. They confirmed it was from the fraud. On XX/XX/XXXX I called to see if I could get the funds sent to my personal checking account. They took my account number and told me I'd have the funds in 10-14 business days. After 14 business days, I called them and told them I hadn't received the funds. They said they were sorry, it was because it takes 90 days to investigate the fraud. I told them, that's not what you told me 14 business days ago and I was already planning on a family vacation and was going to use those funds. I then called back 5 days later and was told that they'd closed the fraud investigation and took my banking information again to release the funds. I waited until today, XX/XX/2019, which was 14 business days from when they told me my funds would be in my account. They're still not there and now their fraud department is telling me I won't have the funds for 90 days until the investigation is over. These are my funds and they've consistently lied to me. I want my money, I also want paid for my time spent on the phone and the vacations and trips I had to forgo because they lied.
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX