davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

I was financed through Ally Financial for my XX/XX/XXXX auto loan from XX/XX/XXXX-XX/XX/XXXX when my loan was paid off. throughout the agreement I made monthly payments by my due date on the XXXX or by the 10 day grace period which is the XXXX. At one point when I didnt make a payment by the due date or the grace period Ally third party called me over 100 times with in that month at all times of the day. after the 1st call, I made payment arrangements that apparently was not updated into their system because they kept calling. After maybe the 20th call I informed them that I had made payment arrangements and to please stop harassing me with the frequent phone calls. the calls never stopped. I would receive calls as early as XXXX until XXXX at night all throughout the day until eventually I started blocking the multiple numbers the company would call me from. these harassing phone calls from Ally Financial has caused me stress, and paranoia due to the threatening phone calls and letters to seize my car and and the late fees and penalties I incurred while while my financial hardship. Under no circumstances should a customer be harassed and annoyed such as I was with phone calls early enough and late enough to disturb me from my sleep. So nonetheless I worked hard to pay off my debt owed at Ally. A check was sent to Ally Financial on XX/XX/XXXX to complete this payment and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received phone calls from Ally. On XX/XX/XXXX I informed them that a check was sent to them paying my car loan off and that they should update my account reflecting a zero balance. They agreed but I continued to receive calls. I told the same thing again that day and the next two days they called. Finally on the XX/XX/XXXX they called early that morning waking me up out of my sleep and I finally gave them the tracking number and the person who who signed for the check at XXXX XX/XX/XXXX and they hung up on me. I called back and they hung up again. I checked my online account and it finally said XXXX balance. Now that I am no longer a customer I would still like to be refunded for my rights as a consumer. I had to block approximately XXXX different numbers from Ally Financial and third parties calling to collect a debt after I told them they were harassing me and I would no longer like for them to call me. I filed a XXXX complaint which they responded no agreeing to pay me anything because they nver meant to harass me they were just making several attempts to contact me but of course I would n't answer because I already asked them to stop calling and they never did stop until my account was paid off. they charged me over {$10000.00} in late fees, interest and penalties and I am seeking that amount back.My total amount I am asking to be refunded is {$10000.00}. That 's including the late charges and fees, the phone numbers i had to block due to harassment and the mailing costs I incurred when mailing them letters to try and get my complaint resolved.
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following unauthorized hard inquiries on my credit report. I have reviewed my credit report and found these inquiries, which I did not authorize. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these inquiries and provide me with the results of your investigation. If the inquiries are found to be unauthorized please remove them from my credit report. immediately.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Balance : {$440.00} XXXX XXXX : {$300.00} On Record Until : XX/XX/XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
Balance : {$1400.00} XXXX XXXX : {$750.00} On Record Until : XX/XX/XXXX I do not recognize these accounts
Consumer complaint received 2024-07-21
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. (OH)

XXXX XXXX XXXX {$1300.00} XX/XX/year> I have reached out to this company because I have not had any dealings with this company. I have a police report on file for the identity theft.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

It was a credit builder account that you pay and they put a fake {$2500.00} account on your credit report. I was never informed that they were going to charge off the account because I actually don't owe at them any money. When I tried to reach out to the company to actually just pay them the balance they refused and they told me there was no way to settle with them or get the account removed I tried filing disputes which have gone on answered for 4 months now. I tried to remove it with the credit bureaus for the last 4 months to know avail so now I'm reaching out to you.
Consumer complaint received 2024-07-21
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

showing different account numbers on all three bureaus. It shows Im 90 days past due when I have never been late. No 30 or 60 day late payment just a 90 day late payment for different months across the bureaus. Billing history with aidvantage doesnt show anytime being late in 2019. Information not being reported but showing its up to date and last activity needs to be updated. Not showing a payment amount. Not showing the terms of the loan agreement. Showing numerous FCRA violations that I will be seeking {$1000.00} retribution for every violation on my consumer report. Update, correct, or delete immediately as this inaccuracy will not be tolerated as it is damaging my credit report.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up for a bank of america business checking promotion ; it was to deposit XXXX XXXX for 3 months and maintain it to get {$500.00} promotional bonus. 

Now they are refusing to give me {$500.00} bonus and telling me that I was not targeted ; however, I was targeted for this offer and I signed up using the link from BOFA profile. 

I have {$20000.00} sitting in the account from last 5 months now.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX {$670.00} I have contacted this company a numerous of times to remove this. I have a police report on file from being a victim of identity theft. Please furnish the original contract
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I have sent the paperwork according to the FCRA to the credit agencies. They have not responded and not removed the fraud from my credit report. And they are not attaching the paperwork to my disputes. 

The account is : XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my XXXX loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via XXXX Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-11
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. (NJ)

XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTACH TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S. NOW TRANS UNION MY SAY IT REPORTING ACCURATELY BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE ATTACHED DOCUMENTS CLEARY SHOWS THE INACCURACIES I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANSUNION PREVIOUSLY, THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT TO RE-SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I had a fraud alert put on my Experian credit file I want them to remove it I have sent the documents needed for the removal but the fraud alert is still on my report. There is also 3 unrecognized inquiries on my file I don't understand how they got on there I thought that was what the fraud alert was for to stop this from happening.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
This account is incorrectly reporting that I have 32 late payments with Experian. On my XXXX report there are 12 late payments being reported. XXXX is showing account past due and balance is {$0.00} Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with XXXX XXXX, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/year>.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX Deposit with account # XXXX opened on XX/XX/year> and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a dispute to Experian and XXXX regarding an account that is on my report. I stated that I never received ANY written notice that they were going to furnish negative information on my consumer report neither prior to or 30 days after furnishing. In that dispute I requested that they conduct an investigation and request proof from the furnisher that they provided me with such notice. It has been 2 months since I mailed it out and I have not yet received a response from these agencies. I demand that they delete this information immediately.
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft, and XXXX unauthorized hard inquiries have appeared on my credit report. These inquiries were made by Bank XXXX XXXX and XXXX XXXX XXXX XXXX I did not initiate or authorize these inquiries. Despite my attempts to resolve this directly with the creditors, these inquiries remain on my report, negatively affecting my XXXX XXXX. I request that these inquiries be removed from my credit report immediately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed

on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the c
ompany and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX Revolving account with account XXXX XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-21
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: Experian Information Solutions Inc. (PA)

GOT EMAIL NOCTICE FROM XXXX AND EXPERIAN OF INQUIRY I DID NOT AUTHERIZE OR HAVE KNOWLEGE OF ON XX/XX/2024 XXXX XXXX XXXX XXXX ON XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN FROM XXXX ON XX/XX/2024 EXPERIAN FROM XXXX ON XX/XX/2024 EXPERIAN FROM XXXX XXXX XXXX  I DID NOT APPROVE THE ABOVE INQUIRIES THIS IS FRUAD
Consumer complaint received 2024-07-21
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. (OH)

XXXX XXXX XXXX XXXX XX/XX/year> This isnt my account it has been reporting to this specific credit bureau and its not reporting on the others. I have a police report on file and it should have been removed.