davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I saw a news report from XXXX that XXXX had been hacked and approximately XXXX XXXX of its customers had their personal identifiable information available online for sale. I am a XXXX customer. In the in the news report, the reporter stated that XXXX would not comment as to whether XXXX customers were also victims of this hack. I immediately placed credit freezes through two of the three main credit bureaus. The last one, TransUnion, was extremely difficult to place the federally protected free freeze. I attempted to create a login account which I had done for the other two bureaus. Unfortunately it would not allow me to create the account. In part because it was did not allow me to put in my last name correctly ( I have a space in my last name ). So after that failed twice, my attempt to set up an account online at TransUnion 's website, I called TransUnion customer service. When I called, the first thing this person asked for was my social security number. This was after I informed the customer service rep the reason for my call which was to enact the federally protected free credit freeze. She then asked my name and my address my email. She then asked about a credit card and I immediately went off and I just said and I quote '' this is XXXX  '' to which she replied that this was my first warning and she wasn't going to put up with cursing. I was referring to the process which I told her I'm here to enact a credit freeze to protect my identity and this process seems very sketchy and the clock is ticking. I then requested to speak to a supervisor. I was put on hold. When the supervisor came on it was another robot I think this was outsourced to XXXX. Which is not great for credit reporting bureaus. So she began asking me questions about you know do I have a credit card I said yes. She then asked which bank it was from and then I said XXXX XXXX XXXXXXXX. Then she wanted to know my credit limit and I'm like and I'm like hold up you people should already know what this is you are a freaking transunion and so I closed down the call and I requested that all of my data be deleted and I have an email to confirm it. I did not receive these problems from either of the other two credit bureaus XXXX  or XXXX. Their process is very smooth and quick. TransUnion on the other hand is very difficult and it feels like you're giving away personally identifiable information before you can even enact the freeze. Please investigate this please ensure that their business practices change and then when people are trying to enact a credit freeze it is simple and easy. Their competitors managed to figure this out they can do it too. Thank you. Luckily I have identity protection and I will go through that service to see if I can get the TransUnion credit freeze enacted. The only reason I didn't is because their servers were down. Thank you.
Consumer complaint received 2020-12-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MI)

My lease was scheduled to end on XX/XX/2020. On XX/XX/XXXX, I called and spoke to an Ally representative regarding my intention to pay the balance due in order to purchase the vehicle. I was advised that I would need to overnight the check to Ally, which I did on XX/XX/XXXX. The check was received by Ally and my account has shown as being paid in full since XX/XX/XXXX. Around XX/XX/XXXX I contacted Ally to inquire as to the status of the title and was told that someone would be contacting me. Only then did I receive the odometer statement from XXXX, with no indication that it had come from Ally. Several days later I was able to determine that this was not spam and responded on XX/XX/XXXX. Since then, I have contacted Ally several times requesting the title and have not been successful as of XX/XX/XXXX. I do not understand why this would not be an automatic process. I have requested several call backs and have not received any. I can see on the Ally Customer Support XXXX that I am not the only person that is having this same experience and runaround regarding obtaining the title for paid off leases.
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: 2288984 Ontario Inc. (TX)

I have made payments to Money Key and they debited my account for two, one I paid. They made a payment arrangement for this month to pay on XX/XX/22 through one of the employees in collections. They are now stating that I owe more money than the payment to be paid on XX/XX/22 This has occurred each time I make a payment. They called me 3 times today and emailed me 3 times. The last phone call I made to verify and the Person started yelling at me that the payment was not enough I owed for other payments. I have an agreement in writing for the payments that have been made. 
They have other complaints online.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2020, I was trying to order a thermometer on Amazon.com and I got this message " Account is locked for suspicious activity, call ( XXXX ) XXXX XXXX ''. When I called the number, I was asked for the email address associated with the account which I provided. Then the representative told me that he was going to email something to me to verify the address. What I saw next was " 2 gift cards from XXXX ''. I asked him what is that? He replied don't worry Mom, there will be no charge to you. I declined to accept it, I hung up the phone and logged out. 
Unfortunately I received a bill for {$190.00} from Chase Bank that issued the Amazon credit card. I disputed the bill with Amazon, XXXX and Chase Bank back and forth. At the end ofXX/XX/XXXX I received an email from Amazon stating " A refund was issued to the credit card on XX/XX/2020 but Chase Bank keeps on harassing me with the bill and daily phone calls even after forwarding the email to them.as they asked me to do.
Consumer complaint received 2020-04-16
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: EQUIFAX, INC. (LA)

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I have been completely unable to access my credit report through Experian ( or literally any other company/avenue, including other credit report agencies and my bank 's services ). XXXX XXXX was unable to tell me anything about what the issue is. 

When I try to get my report from Experian on their website, it first asks me for my general info. Then I get sent to another screen asking for additional info to confirm my identity. After I supply the additional info I am given an error message saying that there has been a technical issue. This same ordeal happens with any service I use to try and access my report. I have had this issue since I started trying to get access to it last year ( XX/XX/XXXX ). 

I have sent a letter to Experian to get this resolved ( XX/XX/XXXX ), but I am growing impatient and am not even sure if they will respond to my letter. I am DESPERATE to at least figure out WHERE I need to go to learn more about and fix this issue so I can access my credit reports and get my life back on track. Please help.
Consumer complaint received 2018-01-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC (FL)

I purchased a home and received financing through XXXX XXXX XXXX in XXXX of XXXX. My mortgage was then sold to FBC Mortgage , LLC at the end of XX/XX/XXXX. Then, without me knowing, FBC Mortgage LLC sold or transferred my mortgage to XXXX XXXX XXXX and Reporting. I NEVER received anything in writing that my loan was transferred from either FBC Mortgage LLC or XXXX. 

Furthermore, I qualified for a 3 month deferral on my mortgage payment because I live in a federal disaster qualified area ( Hurricane Irma ). I called in and spoke to who I thought was FBC Mortgage LLC, but who I have now determined to be XXXX, and was told on XX/XX/XXXX by a rep at XXXX that I qualified to have the 3 months of payments added on to my loan, and that I would not have to make those 3 payments after the 3 month deferral period. I then received a letter in early XXXX of XX/XX/XXXXstating that I did not qualify for a loan modification and would need to bring my balance now in full ( pay for the 3 months of deferred payments, plus present month 's payment ). There are a number of issues with what has taken place here. FBC never notified me, and by law are required to. And the rep at XXXX flat out lied to me on the phone. I thought that I was all clear on the 3 months of deferred payments and would not need to pay those now, and as a result, based on what the rep told me, i used that money to pay down other debts. Thank you for your concern.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has been discharged previously and post discharged inform not reflected on my credit report. 

The post discharged has been going on for over three years now.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX  Account # XXXX XXXX. Account # XXXX
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (AL)

In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax has sent me a letter stating they verified a bankruptcy chapter XXXX with XXXX. I reached out to lexis nexis about this alleged verification and XXXX  XXXX  has no records of this matter. Therefore, Equifax lied. They did not do any proper investigations on this matter. I am currently waiting for the letter from XXXXXXXX XXXX to use as proof that there was no record of bankruptcy found. To also show proof that Equifax went against the fair credit reporting act only to defame my character. Attached is the letter from Equifax. i will be reaching out once again once i have all my documents.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

I really have no idea. Where is this that comes from. I believe its XXXX. And I have not had that service in over 10 years. The statute limitations for collection has passed. As I started to clean my credit up. I suddenly got a bill for {$40.00}. They told me to just pay it. And I said I didnt owe it. And now I get aggressive phone calls daily. And the amount is now {$370.00}. This is a sold debt. That can not be collected upon. Because I do not owe XXXX a thing.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

All my accounts are current yet my credit score reported  byXXXX   is XXXXand XXXX  is XXXX. My score is is usually mid XXXX as it were XXXX.
Consumer complaint received 2018-09-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

The Company in question is Cascade Capital XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX  for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The  garnishment took place on the payroll of XX/XX/XXXX and XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX XXXX XXXX called in reference the delinquent auto account from XXXX. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from XXXX and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until XX/XX/XXXX to pay it in full. On XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency Cascade Capital XXXXin referecnce the same debt. I was furious and notified XXXX XXXX XXXX XXXX in referecnce the garnish and they stated that XXXX have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on XX/XX/XXXX so I tracked down the contact for Cascade Capital XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from XXXX. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. XXXX is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by Cascade Capital. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by Cascade. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and Cascade have grievance against XXXX for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need Cascade to cease garnishment and pursue XXXX or XXXX XXXX for settlement. I am not paying twice for the same account and Cascade now is trying to charge me more than what I had already settled for. 

Contacts Cascade Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX  XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-21
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. (MD)

On XX/XX/21, I mailed the following to Equifax certified mail : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  9 ) XXXX XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX XXXX In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Equifax is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-05
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: CL Holdings LLC (PA)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2018-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CT)

On XX/XX/2018 I received a letter from my insurance company ( XXXX ) stating that my insurance policy would be cancelled as of XX/XX/2018 because Selene Finance had submitted a letter stating the property was vacant. The Rep. from XXXX stated they received the information from Selene on XX/XX/2018. While seeking with the Rep. from XXXX today ( XX/XX/2018 ) I informed her that I still was residing at the property that Selene stated was unoccupied. I was informed to send in a current utility bill and to also call Selene. I informed the Rep. that I was in the process of calling them and I am on hold waiting for someone to answer my call. I spoke with XXXX from Selene around XXXX and made him aware of my compliant and how it is not right that Selene Finance send out  false information other provider. I also informed him that I had been in contact with Selene a few time in XXXX since they did not credit a payment correctly which was finally resolved. I did ask XXXX if he could request that someone from the Insurance Dept. at Selene give me a call so that they could setup a time to come to my and visualize that I reside at the said address on file. I also informed him that I would be send over a utility bill and contacting Dept. of Banking consumer Affairs to file a compliant regarding falsifying document. This is not the first time that I had to deal with Selene about falsifying documents. How long does a consumer have to tolerate this type of action. I guess when the lender sees a well well groomed property they just assume that no lives there.