davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (CT)

I leased a vehicle in XXXX from XXXX on a XXXX year lease ( never been late on any of my payments ). I had to return the vehicle i believe at the end of XX/XX/XXXX. I ended up purchasing the vehicle in XXXX of XXXX. After i purchased the vehicle and had another loan with another company which is XXXX, several months later XXXX started sending me letters stating i owed approximately XXXX for taxes that they paid for local taxes after the transaction was completed after the transfer was complete. They were spoken to on the phone and they were told that i don't owe that money, that there problem is with the town not me. my transaction was complete. XXXX ended up writing off the XXXX. After they wrote off the debt, XXXX reopened my account on my credit and starting wacking my credit report and is still wacking it with all negative ruining my credit and i had a XXXX XXXX.!! They are also harrasing me almost every day. XXXX times, they called my husband which had nothing to do with the transaction, spoke to him in detail about my issue. He told them specifically not to contact him and they still did. Im sure they have this on recording and he will testify as to such.! My husband is not even on my checking account that writes the checks.! I have also told them i do not owe this debt. I have now had to block their number and they try to call with all kind of crazy numbers trying to get through.
Consumer complaint received 2024-06-04
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)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

Hello, I went into XXXX XXXX dealership on XX/XX/XXXX with a pre-approval letter from my credit union and informed them that I would be purchasing a card via check from my credit union. They asked for my social security number anyways because they work with the dealership and that they could access the pre-approval. I asked why they would need my social if I did not want them to check my credit, since I already had a pre-approval and check to pay for the car. They said it was standard procedure to check identity and that they would not run my credit. I reiterated over XXXX times that I did not give them permission to check my credit because there was no need to. They assured me that the would not and that they could not by law without my permission. As I am waiting in the dealership lobby, I get credit monitoring alerts saying that i have multiple new hard inquires that were just added because the dealership ran my credit. I immediately stormed into the finance managers office asking what happened and reminded them that I did not give them permission to run my credit since I already have a pre-approval and check through my credit union. They immediately started trying to lie and make excuses about why they had to run my credit. I let them know that again for the sixth time that I did not give permission and that what they did was illegal. So here I am now trying to get this corrected. I have all of the documentation showing my pre-approval letter from my credit union before entering the dealership and also proof that I paid with check from the same credit union. The people at XXXX XXXX in XXXX are doing illegal business and this must be taken care of.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX, and I am writing to you regarding an issue I am experiencing with Chase Bank, which has not returned my money for the past XXXX months. 

On XX/XX/XXXX, I obtained a money order from Chase Bank for {$27000.00} to pay off my XXXX XXXX XXXX. The check was mailed to XXXX XXXX, but after 30 days, XXXX informed us that they had not received it. Out of concern, we canceled the check and planned to issue a new cashier 's check. 

XXXX conducted an investigation that took XXXX months, concluding on XX/XX/XXXX, XXXX and they had told me that I would get those funds back into my account XXXX to XXXX weeks later. However, I still have not received the funds, and it has now been XXXX weeks since the investigation concluded. As a result of this delay, I am now being sued by XXXX XXXX because I can not pay the car off without that money and my credit has been ruined due to their lack of negligence. You are assistance would be greatly appreciated as soon as possible due to the fact of being sued. 

Thank you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AL)

I requested the full copy of my loan agreement and ally auto will not send the contract to me. They also don't mail any statements to me so I can go over them for review to make sure everything is in good standing. I believe fraud was done and I need to review the original contract to verify my concerns.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 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 XXXX 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 2018-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (IN)

this company has been passing this debt back and forth between a collection agency and itself. It has been hard for me to keep up with who has this debt. They continually harass me and will not remove it from my credit report. After requesting validation from them, they sent me an old medical file with part of my medical chart on it. I sent them a certified letter stating that they violated the HIPPA and they responded with a dispute on my credit report. I believe they are not ever going to remove this from my credit report. My insurance has also paid this. I do not have access to that insurance carrier as to I have switched carriers since that date of service.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX, Experian and XXXX has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, XXXX. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (NY)

Jefferson Capital Systems Re : Request for Permissible Purpose Proof and original Account Validation I am writing to formally request the following information and actions concerning my account with Jefferson Capital Systems : 1. Proof of Permissible Purpose It has come to my attention that Jefferson Capital Systems has reported information regarding my account to one or more consumer reporting agencies. I demand proof of permissible purpose under which this information was reported, as required by the Fair Credit Reporting Act ( FCRA ). Without my written consent, such reporting is illegal, and I ask that you immediately provide documentation that justifies your actions.

2. Last Billing Statement and Account Validation I request a copy of the last billing statement associated with this account. Additionally, please provide full validation of the account, including : A copy of the original contract or agreement bearing my signature.

Documentation that verifies the legitimacy and accuracy of the debt as claimed by Jefferson Capital Systems. 
XXXX. Fraud in De Facto and Security Agreement If any discrepancies are found in the documentation or if Jefferson Capital Systems can not provide the required proof and validation, this could constitute fraud in de facto. I also request details of any security agreement tied to this account and demand that these documents be reviewed for legal compliance.

4. Jurisdiction and Legal Compliance Please be reminded that your practices must comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as mandated by Congress. Any failure to comply with these laws, including the unlawful reporting of my information without permissible purpose, may lead to legal action under the appropriate jurisdiction.

I expect a prompt and thorough response to this letter. Please provide the requested documentation and confirmation of the actions taken. You may reach me at XXXX Thank you for your immediate attention to this issue. 

Sincerely,
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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 2019-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX, XXXX  and TransUnion has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, Mass. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (MD)

In late XX/XX/XXXX I was approved for an auto loan with XXXX XXXX. In the loan docs they indicated that if they were " unable to register my vehicle I would receive that amount back ... '' ( because they have provided no service ). Almost every other day I get an email indicating I have " registration issues/flags that need to be cleared .... '' before they can register the vehicle. I am aware of that ( additionally when the rep came to my home to deliver the new vehicle she also indicated that " I could register the vehicle myself and they would give those funds back to me '' ). I even called the company and told them this would take a while because I was a victim of fraud/identity theft and the person has over {$1000.00} in fines and fees that I can't afford to pay in whole at this time. I actually have to go into the MVA to clear those fines and then I can enter into a payment arrangement while at MVA. Also MVA would be able to register my vehicle in addition to purchasing plates. The company is finding any and every way possible not to return the funds to me. I even presented them with a page from their own contract and my signature stating such ... their response, " my Supervisor said that this isn't [ applicable ] in the situation so we can't refund the charge ''. It's just a lame excuse not to send the funds back to me. I told them that they, " should not have put that information in writing if that was the case ... ''
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Experian 's website and phone system do not allow me to unfreeze my account. 

In the fall, I froze my accounts after someone falsely obtained a cell phone. Now, I am trying to get my bank to pre-approve a car loan, but I have to unfreeze my credit report. I went to the Experian website, clicked the unfreeze option, and logged in. Instead of offering to unfreeze my account, it forced me ( no other options at all ) to " Welcome back. Get your XXXX Experian Credit Report now. '' When I clicked the Get Your Free Credit Report button, it asked to send a PIN, which it did not send. When I clicked the " send again '', it would arrive, but when I entered it, the website would say " we weren't able to verify ''. After several days of trying ( I thought at first, maybe they are doing maintenance on the website and it will be fixed later ), I tried to call. 

I tried XXXX different phone numbers encountered in various places on the Experian website. They all went to the same automated system. The system would ask if I wanted to receive a onetime PIN, and if I said yes, it immediately said it was unable to verify ( no PIN was ever sent ). When I asked to speak to a person, it would say " I can only connect you with a representative in limited circumstances '' but never explained the circumstances nor offered to connect me.
Consumer complaint received 2024-07-16
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. (PA)

I am writing to vehemently dispute the unauthorized reinsertion of hard inquiries on my credit report. Despite previous complaints and their subsequent removal, these inquiries have been reinserted without my knowledge or consent. This action is not only outrageous but also a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ) ( ii ).