davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (ID)

I purchased a vehicle in XX/XX/XXXX. The finance company was Ally Financial account #. This was for a XXXX XXXX XXXX XXXX vin #. My payments were made in a timely fashion and on time. In XX/XX/XXXX, I even made a separate additional payment for {$120.00}. At that time, I was just wanting to get ahead. Later in the month, my wife and I came to the realization that the intended purpose we purchased the truck for was just not in the cards for us. So, on XX/XX/XXXX we decided to trade it in at a dealership. The dealership agreed to the payoff amount quoted to them by Ally Financial when they called to obtain the 10 day payoff. We finished the deal, and drove away with a different vehicle from that dealership. I assumed that all was good and taken care of. Then, to my surprise, I was alerted by XXXX XXXX that there was a change to my credit report due to a derogatory remark. I immediately checked to see what was going on. I then seen that Ally marked me late on my credit report for the month of XX/XX/XXXX. I contacted the dealership and they said that payment was overnighted on XX/XX/XXXX. They gave me paperwork showing that the check they sent to Ally Financial cleared their accounts on Wednesday, XX/XX/XXXX. The due date for this loan was on Friday, XX/XX/XXXX ( 3 days business days later, the check was cleared from the dealerships bank ). I called Ally and ask them why they marked me late. They said that upon receiving payoff, the payment has to go through several departments for titling to be issued. I said, well then, the late was on their end with the paper shuffle issue, not that it was n't paid in time. The representative told me that yes, it could take up to 14 days to process payoff. 
Now that the vehicle is paid in full, they refuse to remove the late mark on my credit file. I do n't feel that this is fair or just. I 've done everything I was supposed to do on my end. They received payoff in a timely fashion but do to their processing procedures, it was n't credited to my account until after the due date. I would appreciate this being looked into further and for this negative remark to be removed from my credit report. Can you please help.
Consumer complaint received 2017-09-13
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COAST PROFESSIONAL INC (PA)

I was contacted by Coast Professionals credit collection i was never contacted by them before and today ( X/XX/2017 ) around XXXX XXXX. i just received a called ( XXXX, XXXX ) from them at my new job in which id just been working for two months. and luckily i was the one receiving the incoming phone calls from my job. i asked why i have n't received any mail from them. i asked them to please never call my job again. My student loans are going to be handled only by the lenders not third parties. they ask for my social security number and i refuse to give it. I don '' t know how they got my work information. They had my personal information why called my job, why they never send any mail.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

in XX/XX/XXXX, I divorced my then, wife, now ex-wife. In XX/XX/XXXX, my ex-wife using an insurance card she was permitted to use, incurred a debt with a XXXX XXXX ; which, she promptly, failed to pay. 

The doctor 's office tried collecting the debt, eventually calling me since she had moved out of state. I informed them that I was not ther individual in their office ; nor, did I at any time agree to be financially liable for her visit. The doctor 's office indicated that they understood and never called me again. 

At some point thereafter, the doctor 's office sold off the debt to ProCollect. After not finding my ex-wife, they began harassing me. I told them the full story numerous times over the past four to five years. On more than one occasion they indicated they would remove the debt from my credit only to leave it in place and deny our previous conversations. Most recently, in XX/XX/XXXX, I spoke with a XXXX XXXX at ProCollect and after a lenghty discussion, she agreed that this was not my debt ; and if I could send my divorce decree as evidence, the smudge would finally be removed. 

I quickly drove to the courthouse where my divorce was finalized and paid for a certified copy of the requested decree. I then had the document scanned into PDF, again at my expense, and e-mailed it to the address I was given. 

This item has yet to be removed from my credit. 

I called ProCollect again today, in hopes of getting them to correct their apparent inattention to this issue, this time speaking to one XXXX XXXX. XXXX XXXX indicated they had received the decree but did n't care what I thought that meant. They determined that the decree no longer qualified or substantiated my claim. They insist that the debt is mine. 

I have asked numerous times, five by memory, for them to provide evidence of their claim that I incurred this debt. They have openly refused to provide that evidence.
Consumer complaint received 2017-09-13
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. (WA)

XXXX XXXX/XXXX/XXXX {$11.00} nothing they could do about the fee. 
Transunion XXXX/XXXX/XXXX {$10.00} plus tax it has n't hit my account yet. Nothing they could do about the fee. 

My Identity is compromised in the XXXX security breach. Due to this I had to lock down all of my credit bureau. I think it is highly unethical to charge a fee to lock down bureau accounts under this situation.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX
Consumer complaint received 2018-11-27
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. (FL)

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Data Corporation (TX)

I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Transunion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.
Consumer complaint received 2018-01-12
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. (TN)

I mailed a letter to Experian on XXXX XXXX 2017. I sent in a letter requesting Experian not the creditors, to validate specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. Experian is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Experian to do. This letter has nothing to do with the creditors. I am specifically asking Experian to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.

609. Disclosures to consumers ( a ) INFORMATION ON FILE ; SOURCES ; REPORT RECIPIENTS. -- Every consumer reporting agency shall, upon request ; and subject to section 610 ( a ) ( 1 ), clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request *I also sent Experian a photo copy of my Drivers License and SS card*
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

As everyone knows at this point, last week XXXX had a data breech of 143 million Americans ' Social Security numbers. Included in that leek was the  numbers of my family members. I have placed Fraud Alerts for each number, however these alerts are only temporary ( 90 days ) and are simply alerts - they do not prevent would be criminals from stealing my or a member of my family 's identity. 

Each of the reporting companies are currently charging $ XXXX {$15.00} per social security number to freeze and unfreeze access to that number 's credit history. This amounts to $ XXXX {$45.00} per person in my household. For the rest of my life my identity has the potential to be compromised and the credit reporting agencies - that any competent court will find is guilty of gross negligence - are attempting to extort money out of their mistake? 

This abuse is not simply isolated to credit freezes. In an attempt to capitalize on XXXX 's negligence, XXXX has reorganized their website yesterday ( XXXX/XXXX/17 ) to hide their credit freeze page behind a paid credit monitoring tool. XXXX, in a clumsy attempt to reduce potential liability, tried deceiving Americans they harmed by offering " free '' credit monitoring for one year - all you need to do is agree to an arbitration clause that was hidden in the Terms and Conditions. Without doubt some of those " one-year free '' accounts will lapse into the next year, ultimately increasing revenue foXXXX XXXX, the same company that compromised 143 million American 's identity. 

No member of the American public ever gave consent for XXXX, Experian, or XXXX to be custodians of our social security numbers. For us to be expected to pay for their gross negligence is not simply irresponsible, it contradicts the foundations of accountability and representation our great country is built on. 

You say in the instructions of this form to not include personal information such as my name, account numbers, address, and Social Security number. Yet, due to this breech, any criminal can find this information for a small fee. My personal information will in time become part of the public domain. Both the Consumer Financial Protection Bureau and Congress have a duty to act on behalf of the American people.
Until a solution can be agreed on in Congress, I urge the Consumer Financial Protection Bureau to take action in compelling the three major credit reporting agencies to 1 ) make credit freezes free for those impacted by the data breach and 2 ) make the credit freeze option easy to find.
Consumer complaint received 2023-08-03
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. (OK)

This is the several times I've complained about the unauthorized inquiries reporting in my credit report. I am seeking assistance to remove these from my file. 
XXXX XXXX XXXX XX/XX/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 2018-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (AZ)

I continue to get what I would consider misleading solicitations from XXXX XXXX for me to get a debt consolidation loan, it claims I am pre-qualified for 1K to 50K and I can check for my rates without impacting my credit report. Every time I get one of these I go in and try only to get declined after they check what rate I would qualify for. If this company is going to continue to decline me why send these pre-qualified solicitations to begin with. I think it is completely deceptive advertising and I really wish they would stop with the solicitations when they obviously have no intention of extending me credit.
Consumer complaint received 2024-08-30
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. (FL)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Navient Solutions, LLC. (CA)

Good Afternoon, I have a private loan with Navient called the Bar Study. I requested instructions on how to make extra payments towards the principal amount. I received instructions on how to accomplish this task. I paid extra according to their instructions and when I reviewed my account the money went solely to interest. I again emailed them and then was told that I could not may payments with special instructions to the principal amount. I believe Navient is purposely trying to keep customers from paying off their loans early.
Consumer complaint received 2023-08-02
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.