davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Billing Error Notice and Request for Resolution - XXXX XXXX - ENDING IN XXXX To : Ally Bank Customer Service Date : XXXX XXXX XXXX  Subject : Billing Errors, Missing Funds, and Disclosures - [ Account Number ] Dear Ally Bank, I am writing to formally notify you of multiple billing errors and missing information associated with my account, [ Account Number ]. Despite the fact that my account is being traded as a security, I have not received any proceeds. Additionally, each monthly billing statement contains errors regarding the amount owed and the proceeds reflected. 

Further compounding the issue, I have never received the Certificate of Indebtedness for my vehicle financed through Ally Bank. This document is crucial for my records and should have been provided upon loan origination. 

Therefore, I demand immediate resolution to the following concerns : Missing Proceeds : Please investigate and credit my account for all proceeds due from the trading of my security. Please provide clear documentation detailing the calculations and amounts. 
Billing Errors : Correct all inaccuracies in my monthly billing statements regarding the amount owed and the proceeds reflected. 
Missing Certificate of Indebtedness : Issue and send me a certified copy of the Certificate of Indebtedness for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all missing disclosures immediately. 

I expect a prompt and comprehensive response to this matter. Please contact me within [ Number ] business days at [ Phone Number ] or [ Email Address ] to discuss further and confirm the resolution timeline. Additionally, please confirm that certified funds will be sent to the provided address to compensate for the missing proceeds. 

If this issue is not resolved to my satisfaction within a reasonable timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-05
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (VA)

I have tried to resolve this issue in several different manners throughout the past few years. Unfortunately, it has not been possible since this is a joint account. The other owner is incapacitated and has been for two years now. During the beginning of that time ( XX/XX/XXXX ) I was making on-time payments myself and had taken the responsibility for the account over without even having the car in my possession. I had tried during that time to work with law enforcement and had several court cases from XXXX til XXXX to get the car finally back in my posseion. However, the joint owner 's mother claimed to have power of attorney and did not want to cooperate with a voluntary surrender. Thus leading to an illegal repossession of my property. The company held no lien or sufficient evidence over the car during that period. This caused a lot of distress to me because I went from being perfectly fine with no bills then I was required to pay and take over this account. Eventually, the car was discharged and they still are illegally trying to collect money from me over this car. I know that a charge-off is considered a certificate of indebtedness which is income. Per 15 USC 1601-1605 it is illegal to report income on a credit report. I have tried using all my rights with Ally Ally Financial such as opting out from reporting per 15 USC 6805. I have told them all my other rights like reporting late payments are illegal per 15 USC 1666B ( a ) & it is illegal to report collections 15 USC 1681. I had never received any disclosure before all this detrimental false and misleading information was reported without my consent. There was a violation of my privacy and my whole life has been affected by this one account alone. I was denied many different things that I needed for myself to live comfortably. According to the privacy act of 1974, I have had a plethora of rights violated and I need monetary compensation no less than the amount they are illegally trying to collect from me.
Consumer complaint received 2024-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have an inquiry on my report that I didn't run from Capital One on XXXX XXXX. I have filled with FTC about fraud being on my accounts with FTC ON XX/XX/24
Consumer complaint received 2024-04-16
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CO)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

Cashapp gave XXXX and XXXX on XX/XX/XXXX I don't know that company neither did I make no purchase with them they just gave my money away I asked them for the phone number to that company they gave m XXXX a bogus # I told them you gave my money to a company that not a company. This isn't the first time they gave my money away. XXXX XXXX  don't know them either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX want that back. They let company 's ask for my money n give it to them a few other company 's tried but my card was locked XXXX company yesterday. XXXX.my card was locked they tell me if a transaction wasn't completed they can't do nothing but I want to know them to know they letting company 's try to get my money and I never purchased r know them places and why it's hard for me to get my money I want all of my money. Please help me.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CO)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and XXXX regarding serious violations of the Fair Credit Reporting Act ( FCRA ) and instances of identity theft. I recently submitted a formal request for a credit freeze, expunction of erroneous accounts, and a cease and desist on all inquiries and account activities to XXXX, XXXX, and XXXX. This request, dated XX/XX/2023, was sent via certified mail, and I have proof of delivery. The violations stem from the presence of inaccurate and fraudulent accounts on my credit reports, including but not limited to accounts from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Additionally, I have explicitly instructed the credit bureaus to cease and desist any inquiries or account activities related to my credit information, that is fraudulent, filed a FTC report, and a complaint in XXXX XXXX XXXX These actions directly violate the FCRA XXXX the Identity Theft and Assumption Deterrence Act, Colorado Revised Statutes, and other relevant consumer protection laws. The fraudulent accounts and the unauthorized inquiries have damaged my creditworthiness and exposed me to potential financial harm. Enclosed with this complaint is a copy of the formal request submitted to XXXX, XXXX, and XXXX, including the certified mail receipts as proof of delivery. I am seeking the CFPB 's assistance in investigating these serious violations, ensuring immediate corrective actions are taken, and holding the credit bureaus accountable for their non-compliance with federal and state laws. I appreciate your prompt attention and look forward to your investigation and intervention on my behalf.
Consumer complaint received 2023-06-30
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. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (AL)

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 : XXXX, XXXX XXXX XXXX  : XXXX, XXXX, 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 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I oppened a credit card with bank of america, for the cash reward, i have to make a purchase of XXXX dollar in 90 days to get XXXX dollar cash bonus. 
After i made the purchase it was posted and i got the congratulation notification saying i got the reward. It's been saying PENDING for over a week and still not received. 
I contacted them, i had to wait for over an hour and i have the proof from the call log ; and no answer and they just hung up on me, i contacted them on XXXX no help, while i'm making this report i'm in the call and it's been XXXX minutes and still no answer.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid accountXXXX  balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

Experian is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX the company XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone number XXXX did a **hard inquiry on my credit. This inquiry appears only on my Equifax report so far. That day I only authorized a *soft inquiry and was assured by XXXX XXXX XXXX XXXX XXXX ) it would be a *soft inquiry. 

The next day I received an email that a new **hard inquiry was done on me. I visited XXXX selling point again and talked to XXXX XXXX, who assured me it was just a *soft inquiry and to verify with Equifax free credit report again. A week later I checked the free report and it was a **hard inquiry, not *soft. 

I called and emailed XXXX and on XX/XX/XXXX XXXX XXXX called me back and assured me it was a mistake on their side, that I could file a dispute with Equifax and he will say that is was a mistake. I did 4 disputes on Equifax and called them on XX/XX/XXXX and they say they inquiry was done by XXXX and that it will stay in my credit report for 2 years. I asked Equifax if they contacted XXXX but they didn't told me. 

Equifax also told me to file a claim here on CFPB and email them the evidence of the claim with a cover letter, license copy, ss copy and they will review my disputes. I would very much appreciate your help please as the company XXXX is working to solve the issue but the credit company appears to not be having clear communication with them.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (OK)

I have a cash app account that I made with a new email address because I forgot the information to my old cash app account I had to use a fake last name because I forgot the information to my old account I put in my real social security number and then they close my cash app account I now can not access the {$60.00} I had sent me on that account I would like to basically reopen the account and make that money available for me to be able to send and receive that money at my leisure because it is my real social security number and I really am XXXX and I will change my last name back to my legal name.
Consumer complaint received 2024-02-06
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX PM XXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

I received a letter from Goldman Sachs Mortgage Company stating that the company had purchased my mortgage loan from XXXX XXXX XXXXXXXX. The letter also stated that I needed to continue to make my mortgage loan payments to XXXX XXXX XXXXXXXX. 

I tried to make my XX/XX/year> mortgage payment and could not do so. 
XXXX  XXXX XXXX told me they no longer owned or serviced my mortgage loan and that Goldman Sachs is now the responsible owner of my mortgage loan.

I tried to call Goldman Sachs Mortgage Company but was not able to speak with any representative. No one was available who would help me with my mortgage payment issue. 

I have not made my mortgage loan payment because I do not know where or whom to make my mortgage payment. 

Goldman Sachs letter has wrong written instructions that I would continue to make my mortgage payment to XXXX XXXX XXXXXXXX. These instructions are incorrect and confusing.