davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.
Consumer complaint received 2021-01-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (LA)

I have been in dispute with Real Time Resolutions for several years. On XX/XX/2020 I submitted {$52000.00} via wire transfer to payoff the account. The account still shows delinquent through XX/XX/2020. I contacted the account representative Ms. XXXX XXXX on several occasions following up on the account. She acknowledged via email in XXXX that the payment had been received, but it would take a few days to be updated. Last week, I discovered that the account had not been updated on my credit report ( still showing delinquent through XXXX } I contacted XXXX  to contest the report. 

Today, I received an email from XXXX  indicating that my account has been updated. 
The report continues to show me as delinquent in XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Portland Credit Inc (OR)

I was sent to collections after 30 days for a water bill when the city would n't let me set up a payment plan. I did not receive any correspondence, but got a call from Fidelity Collection Services. They used vulgar language. They added a {$100.00} fee plus 9 % interest. They would n't work with me on removing the fee so I could pay the debt. They threatened to garnish my check.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2016-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (CA)

I seen two recent hard inquiries on my TransUnion report that I did not authorize. I ask TransUnion to delete those inquiries as in today since I have a credit freeze on my credit report and extended fraud alert on all three credit reports. The first one was XXXX  XXXX XXXX, I know I can't get an account with them since XXXX  so why would I apply? The next one was credit plus XXXX XXXX. The same thing happened to me 2 years XXXX XXXX and XXXX. TransUnion have employees letting creditors check credit report without alerting the consumer.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Starting on XX/XX/XXXX, I've been receiving daily calls from the caller ID " Portfolio Rcvry '' ( a.k.a. Portfolio Recovery Associates ). The phone numbers and cities associated to Portfolio Rcvry are always different every time they've called me, I've never received a validation notice in the mail, and I can verify that my credit report and score do not show any owed debt -- this leads me to believe that this is a scam, and as a result, I've never picked up the phone when they've called. 

However for the first time, one of their employees who claimed their name is " XXXX XXXX '' left a voicemail message on XX/XX/XXXX at XXXX XXXX  PST saying the following : " Good afternoon, this is XXXX XXXX, and I have an important message from XXXX XXXX XXXX . ' This is a call from a debt collector. Please call XXXX. '' I would like for this company to stop calling me as it's harassment and I have no owed debt.
Consumer complaint received 2017-10-12
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. (NJ)

Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX +
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Sterling Infosystems Inc. (IN)

I was refused a job because of in accurate information put in a background check that was ran on me. It states that i was convicted of a felony when i was not convicted of a felony it was dropped to a misdemeanor. I want this fixed or removed from my background checks immediately and a letter written to the place i am wanting to be hired at stating that a mistake was made and issue resolved. Pleaser and thank you
Consumer complaint received 2016-06-09
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

Called Cashcall to inform them that there will be no funds available in my checking acct. I was transferred to a department who made an arrangement to have funds withdrawn on XXXX/XXXX/16. I was emailed a letter to confirm my arrangements. My account was drafted on XXXX/XXXX/16. Called Cashcall requesting a funds reversal for their breach in arrangement. Manager was not willing to help. I honor my monthly payments and always comply and they were not willing to help me.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This individual agreed to buy something for XXXX USD from me through XXXX XXXX. I then received a mail from XXXX regarding receiving XXXX USD from him however the mail stated that I couldn't receive the amount as I didn't have a Zelle business account the way he did. He then called me and said that he would be sending XXXX USD to me and that he would want me to take a XXXX USD and return the remainder of the total he had sent as said in the mail. He did this with me twice until XXXX USD was out of my account, and I kept on receiving emails that I would have to pay him even more to be able to get the amount I was sending him and a XXXX USD more. In total, I sent him XXXX USD in two different transactions of XXXX USD each through Zelle from my XXXX  XXXX XXXX Banking XXXX. His number used was ( XXXX ) XXXX, and his Zelle account id is XXXX, and his name is saved on Zelle as XXXX.
Consumer complaint received 2016-06-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.
Consumer complaint received 2022-02-16
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. (FL)

It's inexcusable that these accounts haven't been rectified or updated, and I'm becoming increasingly frustrated. If the information is not promptly examined and corrected, and you continue to break the law under the Fair Credit Reporting Act, I reserve the right to initiate a lawsuit against your firm or any company you represent.
Consumer complaint received 2022-09-07
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: MONEY SOURCE, INC., THE (MI)

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer Reporting agency can not furnish my account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX   )   Navient, had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multipl e reporting.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: OneMain Finance Corporation (GA)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centric Asset Management Inc (WI)

XXXX / XXXX /   17  Received a voicemail from centric asset  XXXX   XXXX , wanting my girlfriend 's bank account number. Talked to her, she had received the same call earlier. Caller would not give any information on the supposed debt until she gave out her information. Called back and told them not to call anymore. Received another call a few minutes later stating what was said in voicemail ( wanting bank account numb ers ).   We have never received any paperwork pertaining to this supposed debt. Quick   XXXX    search reveals a lot of scam calls from this number/business.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute  XXXX   XXXX  #  XXXX  on cr edit report number  XXXX  The balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a complaint with your agency and Bank of America never responded to me about my complaint regarding placing a freeze on my account without any correspondence in the mail or a telephone call. There is still a hold on my account and when I called them they said that is under review with no further information.
Consumer complaint received 2022-08-09
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. (NY)

I am currently disputing an account with Equifax and in light of the recent news about Equifax I decided to call them and see why my dispute was still reporting on my consumer credit report when I filed Identity theft because the account does not belong to me and Equifax is still colluding with XXXX XXXX by leaving the account on my report without providing proof that the account is mines. In have requested the description of procedures of reinvestigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( a ) I have been granted nothing in return for my request. This is willful non-compliance pursuant to15 USC 1681n. I have numerous violations against Equifax at this point. I called Equifax today and I was told that I had to send them a picture from my phone to verify my identity. That's another violation, where does it say in the law that I have to take a picture on my phone to verify my identity? I was not asked any information like my name or social security number. When I did not take the picture the agent stopped talking and remained silent. That's called willful non-compliance. Coercion tactic, which is another violation. 
I ahve attached proof of Equifax trying to get me to consent to a picture id verification.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION (NY)

I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.