davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (IL)

I had opened an account with Ally Bank on XX/XX/XXXX under the offer code " XXXX ''. Here are the terms of the code : " Set up qualifying direct deposit payments and receive a total of {$1500.00} in qualifying direct deposits by XX/XX/XXXX. You'll get a {$200.00} cash bonus within 30 days of the account receiving {$1500.00} in qualifying direct deposits. Keep your account open and in good standing to receive your cash bonus. '' I made deposits on XXXX XXXX and XXXX XXXX with deposit amounts of {$1100.00} and {$1100.00}. This is over the amount needed. My account is still open and in good standing. I also wanted to point out that I am considered a new customer according to their terms since it has been over a year since I had had an account.
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading information and inaccuracies on my kikoff credit report ... attached are my credit report from XXXX XXXX  account.. showing those inaccuracies!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Attached 4 pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand Experian to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct one but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.
Consumer complaint received 2024-06-16
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. (OH)

I recently reviewed a copy of my credit report and noticed XXXX XXXX on my report. I have never heard of this company nor established any business with them. I contacted them to get an explanation of billing and they could not provide that without violating HIPPA Laws. I also noticed multiple inquires on my XXXX Report and one on my Experian Report that I never gave permission to run my credit
Consumer complaint received 2023-10-29
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. (TX)

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

Good afternoon, I took this mortgage out on XXXX of XXXX. When my mortgage was issued my monthly mortgage payment was {$1900.00} and at the birth of this mortgage I submitted my Property Tax Exemption due to being XXXX XXXX XXXXXXXX Veteran. I provided my mortgage servicer the letter issued from XXXX XXXX XXXX XXXX XXXX. 
Note : I set up auto payment to post on the XX/XX/XXXX from my bank XXXX. 

Now it's XXXX, XXXX, XXXX and Freedom Mortgage withdrew {$3700.00} from my checking account. Note, I was Never notified that this money was going to be withdrew from my account. I immediately called my bank, put a freeze and informed them this was Not authorized. I also called Freedom Mortgage and asked why was my money taken without my permission? This is when I first became aware of the Property Tax issue. My bank was able to return my fund. 

Freedom Mortgage informed me that my property taxes were paid to XXXX XXXX in XXXX of XXXX. Due to my account not having escrow funds to pay the property taxes they forwarded that bill to me and increased my monthly mortgage. May it be noted that Freedom Mortgage already had my property tax exemption letter due to my XXXX XXXX VA XXXX. 

On XX/XX/XXXX I finally received the check from XXXX XXXX XXXX XXXX and I made a payment of {$5900.00} which was to go into my account for the Property Taxes paid XXXX of XXXX. 

I have provided bank statements showing that I have continued making monthly payments on the 1st of every month. Freedom Mortgage continues to show my account as delinquent and the amount I pay is not enough to cover the amount they show. Each and every month Freedom Mortgage has changed the amount of my mortgage payment. 

I am asking if your office can please help correct my monthly mortgage. My mortgage prior to this mistake was {$1900.00}. Now Freedom Mortgage is saying my monthly mortgage is over {$2200.00}. I have called my Home Owners Policy carried by XXXX and it has not incresed to justify the increase. 

I have called and emailed Freedom Mortgage just about every month since XX/XX/XXXX trying to get this issue corrected. 

If you have any questions, feel free to contact me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-05-05
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. (MI)

THERE IS INFORMATION THAT ON MY CONSUMER REPORT THAT IS A RESULT IN IDENTITY THEFT. I DID NOT PROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR IDENTIFICATION TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF A MATERIAL misrepresentation OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. I HAVE CONTACTED THE COMPANY SEVERAL TIME DATING FROM XX/XX/XXXX UNTIL XX/XX/XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

My student loans were forgiven XX/XX/year>. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my mohela accounts paid in full and closed.
Consumer complaint received 2023-10-29
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. (CA)

I asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

In XXXX I financed XXXX XXXX w/ XXXX miles from XXXX XXXX XXXX XXXX NY. The selling price for the vehicle was $ XXXX and I was given a financed amount of $ XXXX by Santanda Bank to pay over a 72 month term at an interest rate of 21.9 %. At {$540.00} per month for 72 months it is estimated that i would be paying off $ 39k or more at the maturity date of the loan. 42 months later Ive already paid about $ 21k. I will admit that Ive been significantly late on most of my monthly payments from the start and even had 6 months pushed to the back of the loan. However, all this was because of financial hardship and extensive repairs that I had to deal with within 6 months of purchasing the car. Fast-forward to 48 months later in XXXX, while still struggling with extensive repairs and failing inspections, I still owe $ XXXX on the vehicle with XXXX miles used and a book value of no more than $ 4k. The bank says Ive only been paying interest and that my principal has yet to be affected by these payments.
Consumer complaint received 2023-10-29
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX XXXX XXXX account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Consumer complaint received 2024-07-01
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. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX  Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-10-29
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)

On XX/XX/XXXXXXXX XXXX XXXX I sent a letter to Experian in reference to late payments that were reported to all three of my consumer reports. I requested that the late payment be removed from all of my consumer reports. The company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports. They refused to remove the late payments. They reported late payments for XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Experian Information Solutions Inc. (SC)

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX New Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-04
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: ALLY FINANCIAL INC. (WI)

Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-29
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

This account does not align with my recollection of any account agreements from the past or present. I requested that LVNV FUNDING LLC provide me with a copy of the original contract bearing my wet signature, as well as a detailed breakdown of the charges and fees accrued. Invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt, LVNV FUNDING LLC failed to provide any relevant documentation, including the original contract with my signature, proof of ownership of the debt, and verification of the amount owed. Until this matter is resolved and sufficient evidence is provided, I am exercising my right to dispute the validity of the debt and request that all collection activities cease immediately. Any further communication from LVNV FUNDING LLC regarding this matter should be in writing. I expect a prompt and expedited response to this dispute. Furthermore, shall LVNV FUNDING LLC willingly continue to break the law and falsely render an illegal account agreement reporting to my SSN will result in legal action.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MS)

i notice syncbXXXX reporting information on my credit report without my knowledge which is a violation of TILA, 15 USC 6802b ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also, 15 USC 1666b in which i never received anything, especially authenticated 21 days before it was due. 
I am requesting that this account be deleted ASAP from my credit report
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a XXXX cancellation of debt from the following charge off account listed ( NAME ) account # After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the XXXX form.