davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (GA)

I currently have Ally Auto Financial as my lien holder for my XXXX XXXX XXXX. Facts are as follows : - Hurricane Ibigal ; damage to my car and had to be towed to the body shop for repair on XX/XX/XXXXXXXX   - XXXX car payment plus half an additional payment was made. ** Least amount paid every month before the XXXX, ( due XXXX ) was the monthly amount due/no missed payments/most payment were 1 & 1/2 the amount due** - XXXX XXXX XXXX notified me of Total Loss on XX/XX/XXXX. Updated XXXX XXXX via app of Ally Auto Fin info include acct #, payoff amount, contact #, total Loss ), all XXXX XXXX XXXX info given incl. policy # claim #, adjuster name and #, fax # etc. Permission to allow XXXX XXXX to discuss the account as needed for payoff. Received a payoff, per rep on XX/XX/XXXX. - Per rep, I was told to NOT pay my XX/XX/XXXXXXXX   payment and to cancel the autopay which was already scheduled as " this would tie up the car 's payoff and lein release '' XX/XX/XXXX. Expressed my concerns regarding payment to rep. - XX/XX/XXXX, on three way with XXXX XXXX, Called, got transferred 8 times, and put on hold in between, total of 2 hrs. Ally couldn't give the payoff and instructed to call on Mon XX/XX/XXXX. - Called Mon, XX/XX/XXXX - XX/XX/XXXX, every day and was transferred to every department within Ally, with a cumulative telephone time with Ally of 16 hours. Every rep every deptt, " couldn't give it to me '' due to the system not generating. Requested manual calc - Credit Report updated per Ally, " Account Past Due '' on XX/XX/XXXX -Called Ally back with XXXX XXXX for another round of holding without payoff. Again expressing importance of payoff -Credit report updated " Delinquent '' - XXXX XX/XX/XXXX Called daily attempting to obtain payoff, Sent multiple emails, faxes and secure messages r/e payoff and importance, even beggins XXXX Ally FINALLY GAVE ME PAYOFF, including late fees that was their fault, @ XXXXXXXX XXXX/filed for repossessors at XXXX XXXX. Ruining my credit, no excess for down pmt
Consumer complaint received 2024-08-20
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-10-18
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. (IN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IL)

My Loans were transferred from AidVantage to XXXX about a year ago but AidVantage is still reporting them as open with the credit agencies. I called them about 5 months ago and asked them to update it on my report. It is hurting my credit score because it has doubled my debt amount. They said they would escalate it, but it still hasnt been resolved. I have had to contact the credit bureaus on my own and dispute them. I dont feel like this company has done its due diligence and I feel like this should not have been my responsibility to take care of.
Consumer complaint received 2023-10-18
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)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2018-05-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Canyon, Inc (TX)

I suppose I had a debt with XXXX that I was never aware of. I never received a letter, nor a phone call. I checked my credit, that I keep a close eye on after my dad stole my identity and opened 2 credit cards in my name to find that CBHP of XXXX Texas had bought my debt from XXXX. They have added on XXXX dollars of their own fees. I called as soon as I saw this on my report to figure out why I was never contacted or aware of this so I had a chance to resolve it, and they told me they had called my grandparents home phone number, and they have never received a single call, and they sent mail to my dads XXXX XXXX supposedly, but I havent heard a word about that either. So, when I was asking questions to figure out what was going on, how this happened, why it was so much more and things of that nature the representative of CBHP continued to hang up on me after every question I asked that she didnt like or feel like she should have to answer. When I asked for her supervisor she put me on hold and then told me she wasnt available, then once again, hung up. I called back, I asked her why she was hanging up and she said its because I was being difficult and I told her collections and customer service are one in the same, and she informed me well first of all, youre not a customer. And then hung up again. So I called back again, and asked to speak to someone else, she told me she wasnt letting me speak to anyone else and hung up on me, again. I called back and she finally let a man answer the phone. He told me that their supervisor wasnt there and told me to call back, couldnt tell me when I could actually talk to someone without being hung up on. How am I supposed to figure out my debt with a company who hangs up on me after I ask a question they dont like, and theyre not XXXX  accredited so they think they can treat people like XXXX. I never signed a contact with them, and they are making it impossible for me to figure out what is going on and what I need to do. I was not given any notification, or any way of knowing. When my identity was stolen, and XXXXXXXX XXXX  credit cards were opened they were able to track down my real phone number to contact me about my debt and did everything they could to help me resolve the issue. Why couldnt this company? Theyre a joke and what they do should be illegal. They did not do their due diligence and theyve done nothing but lie, be deceitful, and hang up on me when Ive tried to get information.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (DC)

I was denied my own credit. As attorney in fact this is a violation of The Equal Opportunity Credit Act. Please do a secondary assessment and accept this credit application for highest amount possible. Otherwise this would be a federal violation and securities fraud. 

Are you aware your underwriting department is commiting a federal crime by denying me my own credit set forth as full faith and credit of the US? Are you aware that multiple cases have been settled based on this same claim. Lets avoid embarrassment and settle my accounts correctly or i will have to get an irs audit to satisfy my remedy. 

Since i am denied retract my application and return my original application! You are denying you access to my credit and that is discrimination against my person and violates the Federal Equal Opportunity Act [ This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act ] I am in good faith did what I could as the consumer to access your credit and was denied so Retract my application and return my original application. Retract my application. This serves as a notice of dispute.
Consumer complaint received 2024-09-09
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. (IL)

I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX  BAL. {$16000.00}, XXXX XXXX BAL. {$16000.00}, XXXX XXXX XXXX  BAL. {$630.00}, XXXX XXXX {$510.00}, XXXX XXXX XXXX  BAL. {$150.00}, XXXX XXXX XXXXXXXX BAL. {$750.00}, XXXX  Bal. {$720.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

on or about XXXX of XXXX i sent a request to review investigate and correct inaccurate errors in my payment history for XXXX can you send the results of your investigation adjustments you made to correct the payments and escrow account
Consumer complaint received 2024-09-17
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. (PA)

I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Consumer complaint received 2023-10-18
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. (KS)

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.

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 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act convergent account XXXX XXXX XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2023-10-31
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. (NJ)

I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit bureaus XXXX, XXXX and TransUnion override my disputes on fraudulent and inaccurate accounts on my credit report, I have submitted numerous disputes but with no explanation they continue to rule against me. This has destroyed my credit and business and living Oppurtunites. I am in the process of filing a class action lawsuit and will be filing a complaint with the Federal Trade Commission. 
I am a government employee and I had to freeze my credit just to try and protect myself, one case I paid off my home and they decreased my credit score they penalize me for not having a large amount of debt, need help!
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-17
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

Hunter Warfield collection.

Called XX/XX/XXXX Called XX/XX/XXXX - hung up on - Hung up on by XXXX, supervisor - Refused to validate debt. Said it would be pointless that it would come back as validated no matter what.

- Did not have contact information, correct amount or address.

- Threatened to send collection to credit report to hurt my credit score.

- Had to leave message as hung up on and would not take my call nor answer my call back. Demanded no contact, written notification of debt and written validation of debt within 30 days.

XX/XX/XXXXcalled corporate and was told be XXXX, HR to file a lawsuit and wouldnt transfer me.

-Called attorney and he said I dont know what you want me to do.

- said you got out 7 months early so four months is a deal and I need to pay the money regardless even though I legally followed steps to break the lease when I bought a home and moved out.

XX/XX/XXXX- hit my credit report and I filed a dispute with XXXX  .

- never received written notice of debt.

- never received written validation of debt.

- hunter warfield refused to call me back nor answer my phone calls.
Consumer complaint received 2023-10-18
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. (NC)

I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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)

attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2024-09-09
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I filed a complaint # XXXX to dispute a collection on behalf " XXXX XXXX " of previous last month and the company responded : Fein, Such, Kahn & Shepard , PC ( hereinafter FSKS ) represents the Creditor/Plaintiff in regard to this matter. XXXX XXXX ( hereinafter Consumer ) filed this second CFPB complaint before FSKS has had an opportunity to respond to the initial CFPB complaint. The entire purpose of the Regulation F letter is to provide the Consumer with an opportunity to dispute the debt and request documentation to substantiate either the underlying debt or the judgment. It has come to light that there was a clerical error with the docket number and that the docket number was off by one-digit. There is a valid judgment in the Superior Court of New Jersey, XXXX XXXX, under docket number XXXX. However, as mentioned in the initial response to the Consumers first CFPB complaint, FSKS will not be proceeding with collection activity on the long-standing valid judgment but the Creditor will be within their right to proceed in the future if they deem appropriate at a later date. It still must be noted that this CFPB complaint substantively is a dispute under the FDCPA. There was no misconduct under the part of the Creditor or FSKS. This judgment was and is valid.

I do not see any judgment valid on Data base NJ Courts XXXX XXXX ) they said it was an error on number DC they provided and nothing still in there. As per Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

As result this should be write off and decease any activities.