davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.
Consumer complaint received 2023-08-31
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters sa

ying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Made payment from XXXX XXXX  to Chase card of {$2000.00}. Bank says payment made. Chase says payment never received. Bank verifies payment made but still no credit for {$2000.00} payment on Chase Visa credit card
Consumer complaint received 2023-08-31
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 XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 

1. XXXX {$420.00} 2. XXXX XXXX {$650.00}
Consumer complaint received 2019-05-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Dear Sir/Madam, I had submitted a dispute that I was never late against XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MA that I was never late in XXXX when they reported to the bureaus that I was late by 30 days. I have proof that the investigation was resolved in my favor. They refuse to take out the negative connotation and then when I showed them the letter ; they changed it from XXXX to XXXX causing my credit score to drop 100 points. Please find the letter attached clearly stating that the dispute was resolved in my favor. They are playing games and just moving the dates around when the dispute was clearly resolved in my favor to damage my credit rating. Due to this I'm unable to get a mortgage.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WI)

I tried to open an account at Chase in XXXX and had deposited over XXXX $ and was successfully opened. I then had received a phone call two days later saying they have to close my account. They had said the back office had closed it even after it being opened. They said it was suspected fraud due to previous account. I had a Chase Account probably in XXXX. I had received a check which later turned out to be a fake check. This was not my fault but not they are not letting me open an account due to something I did not do.
Consumer complaint received 2019-05-03
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. (NC)

I have submitted multiple disputes to Experian regarding a bankruptcy listed on my consumer report. Experian is stating that the account was verified by the furnisher of the information which I know for a fact to be false. Furthermore they are refusing to re-investigate the account.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

I sent a verification letter XX/XX/XXXX to national credit adjusters regarding a charge on my credit report of {$650.00} and have yet to receive anything back from this company verifying that this is my debt what this debt if for.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Braviant Holdings, LLC (UT)

XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from cXXXX XXXX XXXX XXXX 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (OH)

I bought my XXXX XXXX XXXX on XX/XX/XXXX of XXXX from XXXX  XXXX XXXX XXXX. My car loan is through American Credit Acceptance. On XXXX of XXXX they decided to Charge-off my car due to Natural Disaster affected by COVID-19. Even though I have been in paying my car loan the entire time and I had the transaction payment sheet as proof.They also never reported my car to the credit bureaus during the entire time I've had my vehicle. So, in XXXX of XXXX, I had an open case with the State Attorney General Office in Ohio. ACA refused to reverse the charge off from XXXX and refused to update my Credit report. But, they did agree to take the XXXX off my credit tradeline. So, now as of XXXX of XXXX they said they were going to repo my car for missed payments, even though the car has been paid off by pandemic relief money and I've been making payments. So, I sent in a {$2000.00} payment on the XXXX of XXXX, a {$730.00} payment on the XXXX of XXXX and the XXXX of XXXX, and a {$1000.00} payment on the XXXX of XXXX. ACA is now saying they can't find the {$2000.00} from XX/XX/XXXX and {$730.00} from XX/XX/XXXX even after sending in my bank statements for these 2 months. They refuse to fix the issue they have caused and the refuse to actually do their jobs. I have had issues with this company taking money from me for 2 years, not reporting it to the credit bureaus, and now not even showing the car as an active account on my report.
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud
Consumer complaint received 2019-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am a XXXX  vet that relies on my VA XXXX money for food and gas and paying Bill 's. I have made an error in transferring and scheduling that caused me to overdraft but quickly transferred funds to cover the mistake and now USAA bank is holding my funds even though the savings reflects positive balance. I have no food and gas and I said I am service connected vet that relies on my va diaqbilitity that they are currently holding and wont release to me. Today is Friday and they said my funds wont be released to me until Tuesday and what am I supposed to do for food and gas till Tuesday. The resolution rep XXXX from USAA Bank is not willing to release my funds because she said my account was just opened. 
Even though it is clearly shows that the funds are cleared by my other bank 3 business days ago.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hollis Cobb Associates (NV)

I received a phone call XX/XX/2019 about an old dept that has been paid or is not real. The company refused to give me an address or any details other than the company name XXXX and my caller id got the phone number XXXX.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} XXXXl XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$190.00}
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (NE)

My foster son moved out and back with his biological mom. while he lived with us he had a debit card which I would put allowance on bi weekly I guess he took his debit card with him when he moved out. His bank account had no money in it which he knew. He made a purchase on his phone his mom got him, through XXXX apps and it was a XXXX purchase for 1 year subscription for XXXX XXXX XXXX to win real money. This purchase was done XX/XX/XXXX he left my house XX/XX/XXXX. I contacted XXXX and spoke with a very nice representative that opened an investigation ticket I told him I already spoke with my bank and over draft charges will accrue XX/XX/XXXX. he said he would rush it and XXXX investigation team would email me and let me know what will be done. I received no correspondence at all. I decided to check my bank account at about XXXX XXXX XX/XX/XXXX where now there is overdraft charges. I contacted XXXX and the lady was extremely rude and said they are not refunding my XXXX or any overdraft investigation is over and she would not tell me what the outcome was. I requested for her to submit complaint on my behalf which she kept refusing to do. I was told my account would be refunded, and he XXXX account would be shut down. I am not understand why this is not being refunded he is XXXX years old, and it is my bank account.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: T.S. Holdings (FL)

I.Q. Data International Inc. has repeatedly called and harassed me at ridiculous hours, very late at night and extremely early in the morning. They are violating Fair Debt Collection Practices Act ( FDCPA ). The 'debt ' is fake and I do not owe it. I even offered to settle this fake debt just to end the harassment and get it off of my otherwise excellent credit report. In my repeated attempts to settle and end the harassment, IQ Data 's sleazy reps told me on recorded phone lines that I would have to provide " financial information '' which I started to do but they would not tell me what they needed to know. They force people to answer one question at a time going deeper into personal Information with no end in sight. IQ Data refuses to outline what they need to know or why it matters or what settlement is possible. This company should be fined or shut down as I am sure they are taking advantage of many unsophisticated victims. 

I. Q. DATA I N T E R N AT I O N A L, I N C.

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 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
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-03
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: POPULAR BANK (OR)

I submitted a complaint that XXXX XXXXXXXX XXXX about their reporting will as not correct as to the date of my first late payment seven years ago. The problem is that they corrected that erroneous information by publishing even worse false information : THAT I HAD DECLARED BANKRUPTCY ON XX/XX/2019!!!! WHICH IS ABSOLUTELY FALSE!! Which is a lie! How can they get away with this. Any search of public records will show that this is not true. Obviously they are purposely reporting false information to my harm. Publicly fabricating lies about someone should be illegal and there should be some legal recourse available to me ... or the company can just keep publishing lies and then when I contest it they just publish a new lie!
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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, XXXX  : XXXX,, has violated my rights. 

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 2021-11-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX  XXXX XXXX  XXXX  # XXXX 30 DAY XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2021-11-12
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: Colony Brands, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SWISS COLONY / XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.