davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/XXXX I received an email from Ally Finances/ Ally Auto that I had entered a 4 month catch up plan. On the plan it stated that I would pay my monthly bill of XXXX plus extra to catch up on miss payments for XXXX and XXXX. The email states that I have payment would be made the XXXX of each month and I would return to regular payments once the plan was complete. I paid XXXX each month through ach payments. Completing my plan on XX/XX/XXXX. Last week I noticed I was receiving calls from ally. Today on XX/XX/XXXX I received a call that I was XXXX  days behind on my payment for XXXX. They stated that my catch up plan caught me up until XX/XX/2023 even though the catch up plan ran til XX/XX/XXXX. they said they received my confirmation for my catch up plan on XX/XX/XXXX but I also owed a bill for XXXX thats XXXX dollars. I feel my agreement was broken as they explained that I was not paying the principle of XXXX each month and that the plan covered the months before. So my XXXX payment went toward XXXX and so on. This does not align with what I was told over the phone and what I viewed on my account when the payment was confirmed. I was told my regular payments would start back in XXXX after my catch up plan was complete but they started in XXXX. Meaning I would have to pay my catch up plan bill of XXXX and another bill for XXXX thats XXXX on top of lates fees. The catch up plan essentially did not catch me up. I called, chatted and sent a secured message via chat. I requested to see documentation of the original agreement and they said they cant give me that information. I am very upset and feel mislead. When I entered the agreement I was not told that my principle of XXXX would be applied to the month before that and I would have to make XXXX payments in XXXX. I have had an extension before and payed on time resuming regular payments with no problem. At the least I would like to see the original plan details and know why it was explained to me differently over the phone when I requested.
Consumer complaint received 2024-05-01
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)

Experian has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MO)

Account in XXXX : XXXX XXXX XXXX ( reporting twice negatively ) XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

XXXX here has not been given a chance to XXXX those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

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 XXXX, Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-05-01
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. (TX)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX XXXXount # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, Experian, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-05-01
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. XXXX, XXXX, and Experian fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. XXXX, XXXX, Experian, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. XXXX, XXXX, and Experian are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. XXXX, XXXX, and Experian are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of these incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand the removal of these incorrect phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (MS)

Self Financial Date Opened : XXXX 2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (HI)

I am a small vehicle wrap company. We reached out to synchrony in order to allow our customers to finance their purchases. We were at the starting process of understanding how their company works and the services that they could provide. Their representative was completely unprofessional. Despite repeated notifications that her voicemail was full it continued to be full over the next week of correspondence. When we were finally able to coordinate our schedules and have a discussion we were disconne during the most important part of our phone call. Despite trying to call back immediately and repeated emails it took us almost another week to connect again on another phone call. At the same point during our discussion we were disconnected. We immediately called back again and were immediately transferred to the full voicemail where we were unable to leave a message. We immediately emailed the contact with no response. This was the second time it happened and this company seems highly suspicious in my mind. In order for us to sign up for their services they emailed me forms to fill out. These forms included highly confidential routing, checking account, Curity number, federal ID, and other fields that I was simply supposed to fill out and then email back to them. It seems that a financial lending company would have a more secure process than a representative emailing forms and expecting secure information to be completed and sent back in email which is highly unsecure. This combined with their very vague website, horrible XXXX XXXX XXXX review, and just general common sense has led me to file this complaint. They had over 2000 complaints on the XXXX XXXX XXXX site. They have a 1-star rating. I hope that somebody looks into this company and does an audit. They are obviously highly suspect and I believe more than likely fraudulent in their business practices. There are standards that are financial company such as this would need to uphold and if they can not even clear their voicemail and have a completed call during the sales process then again they are highly suspect in my opinion.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2018-05-16
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. (TX)

Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX  and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Hello, I had service with Equafax for years I was told to upgrade It on XX/XX/year> thats when the problem happened I was told we will contact you the problem NEVER resolved but I was been charged few times and I forgot about the problem I thought the problem was fixed so yesterday I apply for XXXX but I was informed my credit files are frozen I unfreezed XXXX but when I tried to login to Equafax same problem happened I called them and paid for new services and I received an email to reset my login but same thing happened and the customer service told me we will send you an email but I didnt happened again I can not login after trying to reset my password Im not robot keeps going in the loop and I can not proceed
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, 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. (OH)

I have placed 2 security freezes with all 3 Bureaus and I am still having inquiries. I have also been informed I was part of the breach where my info including my license number was exposed.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

Submitted a dispute through Experian. Account appears twice on my credit report, XXXX under XXXX and again under XXXX. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get XXXX of them removed through the dispute process but XXXX and Experian refuse to do so. Contacted XXXX by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same account.
Consumer complaint received 2024-05-01
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 Recently Reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Name XXXX XXXX XXXX number Account : XXXX, I don't recognize that account, much less that company account on my report. Please remove these account from my report, they are aggressively hurting and affectting my ability to obtain credit for a long time. Additionally These are the other inquiries that i do not recognize and want to remove from my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX