davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

Im having major mechanical issues with my car. I took the car to be serviced and was informed that the transmission will need to be replaced. The cost of repairs $ XXXX. The shop stated that XXXX has known issues with transmissions and they should do a recall. I called Ally twice to get help because I cant afford the payment. I no longer work for the same company and my income has been reduced by 60 %, I have to pay for travel back and forth to work. I believe I owe like $ XXXX on the car. I know it was a high interest loan. I called Ally to see if we could consider the car paid or some form of help. I was told to call my car insurance. I requested a supervisor and was giving options of a loan modification but they hung up on me. I dont know what to do. Ally is not trying to help me at all during my hardship, instead Im being treated like a number. I cant trade the car in because its worthless. Im asking for help during this time. I can provide statements if me paying for transportation to and from work and the invoice from the transmission shop. I dont feel as if Ally cared at all. I have paid a substantial amount for the car. Was even lied to about the extended warranty that was added on to the loan. Ally did nothing about that so Im paying the higher note because that was factored in. I didnt agree to the warranty and they didnt care because I didnt purchase the car through them. Please look into my concerns and not treat me like a number. I have been a customer over 4 years now and my car note is {$530.00}. Plus I have had late fees too. So I have paid more than what the car is worth. Now Im not sure if I can continue to work, paying for a ride to and from work is draining. And to also have to pay on an inoperable car is too much. Im begging and pleading for someone to look into this and help me. Im destitute and borrowing money from family to make it. I took a XXXX  % pay cut for this new job. I dont know what else to do I tried calling Ally directly and no help. Im asking to look into my concerns as an individual and not a number. I have tried to work with Ally before submitting this complaint. Im close to living in a shelter because of everything thats going on. Now my daughter will start back to school and its not on bus line so I have to pay for her to go back and forth. I need help, please help me. I dont have a car and no one will trade it in for what Ally is showing I owe. They said that the car has negative equity. Basically what I owe now its not worth the value of the car. Please help me, Im begging and pleading. I will have to leave my job if I dont get transportation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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.

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. 
The information is not accurate and I would like it to be removed from my report, immediately. I have attached supporting documents. Please review. 

I filed a previous complaint ( XXXX ), and the addresses were moved to the previous address section.
Consumer complaint received 2023-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXXXX XXXX XXXXXXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-24
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. (CA)

I have noticed many inquiries on my report that I have never made or attempted to make. Please remove the following inquiries off my report immediately for they have effected my livelihood, and mental state of mind. Because of these inquiries I was denied to get a place which has caused me to become homeless.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Certainly, here 's the expanded explanation, incorporating the additional information about the court 's response : " I'm filing a complaint because I've been unfairly declined for several lines of credit due to inaccuracies on my credit report. Specifically, my credit report shows a bankruptcy marked as 'dismissed ' without accurately reflecting the reasons for its dismissal. The bankruptcy was actually dismissed because of failure to pay the filing fee and to file necessary information. This inaccurate portrayal of the bankruptcy on my credit report has significantly impacted my ability to access credit. 

Moreover, I received a letter from the court stating that they do not verify information from credit bureaus or any other reporting agency. This means that there's no reliable way for the credit bureaus to verify the data they have furnished, and it's widely known that they purchase data, which is often inaccurate, from sources like XXXX. 

These actions by the credit reporting agencies ( CRAs ), Experian and XXXX, violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumers ' credit histories. The inaccuracies on my credit report have led creditors to view me as a higher risk, resulting in declined credit applications. 

As a consumer, I have rights under the FCRA, including the right to dispute inaccurate information in my credit report and the right to receive accurate disclosures from creditors regarding adverse actions taken based on my credit report. 

Therefore, I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address these violations of the FCRA. In my complaint, I will detail the inaccuracies in my credit report, the adverse actions I've experienced, and the violations of the FCRA by the CRAs. 

I am seeking remedies such as the correction of the inaccurate information on my credit report, compensation for any damages suffered as a result of the inaccuracies, and enforcement actions against the CRAs for their violations of the FCRA. 

By filing this complaint, I am taking steps to protect my rights as a consumer and ensure fair and accurate reporting of my credit history. ''
Consumer complaint received 2024-04-19
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I received a US Bank credit card flyer to apply for a credit card inthe month of XX/XX/2023, I applied for that and it was rejected, it was a credit card offer for zero percent interest for 15 months. Ihave attached the rejection letter in this complaint. now I havereceived another US Bank credit card flyer to apply for a creditcard which is giving the {$500.00} cashback if we spend {$4500.00} in150 days. I also made a complaint regarding this to the CFPB, Ihave n't received a response yet. I need to know if I will beapproved for the credit card this time, because I don't want mycredit scroee to go low why did you send me a flyer of credit card when your intention was not to approve it, you are just taking my information and selling it to your affiliates. And why after rejecting my first credit card you sent to me a second flyer to apply? 

US Bank is very lousy, I already spoke with XXXX regarding this two days ago and still no action has been taken, I am really dissapointed with US Bank services.
Consumer complaint received 2024-08-05
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: SYNCHRONY FINANCIAL (IL)

I was in Sams Club renewing my membership and the lady at the front desk says hey I have a preapproval for a card for you. It is no hit to your credit because you are preapproved, I was not interested because I knew that a preapproval is a soft credit check and not a hard so in order for it to be an approval she would be running my credit. I declined. I have a hard inquiry on my credit due to this and I never gave permission for her to run my credit.
Consumer complaint received 2023-11-22
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)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 tenacious rebelliousness. 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 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I purchased a car from credit acceptance and GAP insurance was added to my loan. They said it will pay if something happens in the future. But when my car was total two months ago. They failed to keep Thier promises. After insurance gave them XXXX dollars for total lost which left a balance of XXXX but now they want me to pay it. First the car valued at XXXX but in total I paid them XXXX so they overcharge me from the beginning and then misleading me to pay XXXX for GAP. The vehicle was XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The issues are with CapitalOne. 
- I requested CapitalOne to update my Social Security Number. They havent been able to do that since I first submitted the request on XXXX XXXX until today, XXXX XXXX. However, they denied my access to my information on my account for about 10 days now, so I cant see any information, cant pay for my balance either. That is after ten of hours of calls, talking to about 20 staff from CapitalOne ( credit, saving, customer service, technical support, fraud, customer protection, ID verification depts ), submitted the same documents no less than 4 times by fax, email, and upload to secured links. Every time I sent, I called them to make sure they received the docs, I would have confirmation they already received them, however, no update, and at the next call, another staff would tell me to submit all the docs again. 
- I also received an email from CapitalOne asking for my citizenship and threaten to close my account if I couldn't go to one of their branches to submit the exact same documents that i already shared ( and they already received according to confirmation from multiple staff on phone ), together with paperwork showing my citizenship, even though there is no branches of CapitalOne where I live. The email was from Customer Service and is not a No-reply one as there's no info saying " Dont reply to this email '', however, when I answered the email, theres no reply. 
- I received another email saying CapitalOne cant update my info with No explanation and tell me to call a number so I understand. I called the number, noone knew about my case, noone gave my an explanation. 
- Today is XXXX XXXX. I would have to pay for credit balance by XXXX every month to avoid penalty from CapitalOne. I asked multiple staff from Credit department on phone what if CapitalOne charged my unpaid balance because I couldnt pay as they themselves deny my access to my information, instead of answering my question, Credit card department and Technical support department have been passing me between them multiple times saying the other dept have to solve it. 
* My phone stores only 100 most recent calls, so only from XXXX XXXX as of today but I had multiple calls before that.
Consumer complaint received 2024-05-31
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (CT)

I called XXXX XXXX on serveral occasions telling them im a victim of indentity theft & my XXXX was used fraudulently to opened an XXXX XXXX  account and its showing a remark of bankruptcy which I have never filed.