davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

This is a formal request to Ally Financial Services regarding an unresolved issue with a charged-off account. I have not received a Form 1099-C, which is necessary for tax purposes, despite the account 's charged-off status being reported monthly on my credit report. I am expressing concerns about potential violations of the Fair Credit Reporting Act ( FCRA ), as the inaccurate reporting could negatively affect my credit standing. I request prompt correction of the situation by providing the required form and reviewing the accuracy of their reporting practices, emphasizing the importance of addressing this matter promptly.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (NY)

The collection agencies National Credit Systems with account # XXXX has engaged in false and misleading practices violating FDCPA 807. Since my dispute Ive gotten 2 vulgar and disgusting emails from someone requesting money associated with that address on XXXX XXXX. In which I find very disturbing and strange to all of a sudden receive after disputing Nation Credit Systems. Which violated law 15 USC 1692. The fact that they have my information without me signing paperwork with them means they got my info without my consent. That's called FRAUD. Furthermore providing misleading forms violating FDCPA ( 812 ).
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SD)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-23
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. (NY)

My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
( XXXX XXXX # XXXX {$420.00} ) ( XXXX XXXX  # XXXX {$1900.00} ) INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX 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 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 XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-23
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. (GA)

I have paid off several accounts on my credit listed as collections or open unpaid accounts and it has been over 30 days since then. Each account is still listed on my credit report and my score has been negatively affected by this collection and the XXXX credit bureaus refusal to update my XXXX XXXX by removing them by my background as they should. Per XXXX5 US Code 1681 & the FCRA laws, anything that is negatively affecting my credit must be removed immediately. 

I have paid off and was told these collections were going to be removed from my credit report within 30 days. I made payments on XX/XX/year>, to the agencies listed below with confirmation numbers as well. Please have these removed from my background with all XXXX credit bureaus : XXXX, Experian XXXX XXXX. I have listed XXXX disputes as well as my XXXX disputes to show that they are not honoring the Federal Laws for we the consumer. 
XXXX XXXX Account : XXXX - Paid {$650.00} - confirmation # : XXXX XXXX XXXX  XXXX Acct XXXX XXXX - Paid $ XXXX confirmation # XXXX XXXX  : Paid {$460.00} - Confirmation # XXXX XXXX  -Paid {$280.00} - Confirmation # XXXX XXXX XXXX - Paid {$480.00} - confirmation # XXXX They sold acct ending in XXXX on XX/XX/year>, to XXXX XXXX for collections as well XXXX That is against federal law. 
XXXXXXXX XXXX - Paid {$630.00} - Confirmation # XXXX XXXX XXXX  - Paid {$170.00} - Confirmation # XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

This collection agency said I opened a Lowe 's Credit Card on XXXX. I do not shop at Lowe 's, I go to XXXX XXXX. In XXXX or XXXX, they told me the account was {$1300.00} something. Then it was {$500.00}, then the would settle for {$300.00} something. Now, it is {$170.00} and they are calling me over and over. I have 8 calls from today alone. They claim that I need to settle or they will take me to court. 

I called Synchrony Bank and they ran my name, phone number ( that I have had for over 20 years ) and then my social security number. They found that I have opened zero accounts with them and she said that even with my name and phone number it would have pulled up charged off accounts that they sent to collections. 

I have never had a Lowe 's credit card, or ANY Synchrony Bank credit card. The lady at Synchrony told me they have had the Lowe 's account since the XXXX.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # CAJVXXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX BANK XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 15 U.S.C 1681section 602A. States I have the right to privacy.

15U.S.C 1681 Section 604 A Section2 : 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 conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Selene Finance and I have disagreed over the fact that I had a COVID19 extension. They have hidden the fact that that offered and issued a COVID19 extension as they are now stating that an extension never existed. 
They have not accepted my payments on the mortgage and have began a final judgement process. 
The judgement began on XX/XX/2021 and is in currently in progress. 
Presently they they are seeking final judgement in court leading to foreclosure. 
I am seeking the assistance of the CFPB to intercede in stopping this legal action of final judgement based upon Selene 's false information and unethical practices Finally, I will provide additional documentation to support my compliant.
Consumer complaint received 2024-09-23
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. (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. 

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. 

XXXX5 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-09-23
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-23
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. (IL)

In accordance with the federal credit report act. The list of the accounts below Has validated my Federally protected Consumer rights to Privacy and confidentiality under 15 usc1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 U.S.C 1681 section 604A secton 2 It also states that a consumer reporting agency can not Furnish an 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 the 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 responsible Cause to believe the information is in accurate
Consumer complaint received 2024-09-23
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. (FL)

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 2024-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America failed to process authorized auto-payments for a Home Equity Line of Credit ( HELOC ) starting XX/XX/year>. Payments were scheduled to be processed every other Friday, timed with direct deposit. Despite receiving confirmation of auto-pay setup and reports of seven completed transfers totaling {$4200.00}, the transactions failed, causing late fees, penalties, and a significant negative impact on the complainant 's credit score. 

The issue was first detected after receiving a credit report notification. Despite notifying Bank of America and providing evidence, the bank maintained that all account details were correct, refusing to correct the issue. A {$54.00} fee was reversed as a " courtesy, '' but other fees and the negative credit reporting remain unresolved. 

The complainant provided evidence of direct deposits, failed transactions, and credit report impacts, including a XXXX FICO score drop. 

The complainant is seeking reversal of all fees and correction of credit reporting.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-23
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. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-23
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. (IA)

I am contacting XXXX XXXXXXXX XXXX  Regarding an account that is alleged to be mine. I have disputed this account a few times regarding the repeated charge-offs that are being placed on my report each month and I always get a letter back stating that it has been verified and the information is correct. 
According to the FCRA, a charge-off should only be reported once, when the first delinquency happens. I did not receive an offer to Arbitrate, and I did not receive a 1099C which this charge-off is reporting each month. If this is not corrected or removed I will contact a lawyer behind damages to my credit worthiness. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 
4. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Reporting inaccurate late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-23
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2017-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (NY)

Key Bank never sent me a copy of my XXXX for my mortgage through them. Key Bank recently purchased First Niagara Bank, whom I initially applied for my mortgage through. I emailed Key Bank, and have called them twice, asking for them to please forward me a copy of my documents so I could file my taxes. So far, and it 's been well over a month, I still have n't received the forms.