davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

I recently received information from XXXX regarding a decrease in my credit score due to a 30 day late payment being reported from Ally Bank in XXXX. The collateral for this auto loan was a total loss reported in XXXX. Ally Bank was paid over {$30000.00} between the insurance claim and the gap insurance. I phoned Ally Bank today and was told that the late payment was accessed and reported to the credit bureaus in XXXX due to issues with the insurance checks - I was never made aware of any issues with these checks. By XXXX of XXXX, the insurance and the gap insurance payments were made to Ally leaving a {$1700.00} balance. When an attempt was made at the beginning of XXXX to pay the balance in full, their on line portal would not accept the payment - a phone call had to be made to pay the balance in full. Although the customer service agent did not want to accept the {$1700.00} payment because she wanted the payment made on line which we couldn't do she ended up taking the payment. After this payment was made, we received another notice of {$15.00} balance which was also paid. 

In closing, Ally Bank received $ XXXX between insurance and gap. Ally Bank applied these payments and the outstanding balance in XXXX was {$1700.00}. In XXXX Ally was called regarding payment arrangements for the outstanding {$1700.00}. Ally advised that they would accept a {$250.00} payment and then the remaining balance in XXXX. The {$250.00} was received by Ally in XXXX along with the final payment in XXXX. The account now has a {$0.00} balance. 

There was never an issue with the dates on the insurance checks which was the reason given to me today for the 30 day delinquency being reported. Ally agreed to accept a {$250.00} payment in XXXX and still reported a 30 day delinquency.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

I was told by an Aidvantage Rep prior to having loans transferred over, that I would be able to : negotiate my loan, have the option to opt out of this program, they would not consolidate my loans, they were not a debt collector. They lied on all these requests. I have sense spoken with many representatives upon receiving more information about them and have had the many excuses as to why or why not, I can get my loans transferred. Each representative says something different and seems to be giving me the run around. This is NOT what I wanted and specifically asked the questions above, to insure I would not be stuck in a situation like this. I do not want to work with this fraudulent company.
Consumer complaint received 2023-08-31
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (MI)

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 Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-08-31
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible EXPERIAN I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., EXPERIAN ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2024-04-16
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX Account NumberXXXX Account Name : 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  Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-17
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. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-11
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: Early Warning Services, LLC (GA)

In 2020, my debit card and cellphone were stolen and the suspect attempted to make fraudulent transactions and perform an account takeover which prompted XXXX XXXX XXXX XXXX to close my account. I realized I was not able to log in the app one morning and when I called into customer care, the representative asked me what my last transaction was. When I confirmed the last one I remember, she said that it was incorrect and that my account will be closed and Ill never be able to join XXXX again. I never got a chance to even see what the suspect had done to my account except one email about a suspicious check on XX/XX/year> which I contacted them immediately after seeing it. All of my other emails from XXXX have never been anything about suspicious activity or mishandling my account like they claim. None of my statements were questionable and I had a remarkable standing. They refuse to complete a thorough investigation or inform me of what happened with my account. XXXX did nothing to protect me or secure my account upon me reaching out to them.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (FL)

I AM NOT LIABLE FOR THESE DEBT WITH XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, AND US DEPARTMENT OF EDUCATION . I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have been reporting this incident for years now and no one hasnt did anything about it. Its alot of things i can not apply for because someone has use my information and open several accounts in my name. My car was vandalized a few years ago in XXXX, tx at a hotel and they stole my bag with my ssn, ids and other personal info. I see students loans, bank/credit unions, utilities, cars and etc thats not mines. And its leaving negative output on my credit report. I need them remove asap. I attached other important to this complaint.
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: KEYCORP (FL)

XX/XX/XXXX XXXX Robocall from XXXX XXXX XXXX threats of legal action sheriffs office and other more ominous action I called number back to inquire what on earth as to best of my knowledge i have no legal issues Person answering identified themselves as a debt collector XXXX (? ) made reference to an old Key bank account closed in XXXX in XXXX or XXXX i informed them that i was on the National Do Not Call Registry and that the debt in question was over 15 years old and well outside any collectible statute and hung up. 
I am currently living in XXXX statute for unsecured debt is 5 years in XXXXXXXX and XXXX in XXXX  XX/XX/XXXX XXXX XXXX Robocall again making ominous threats about a sheriff office complaint and legal action from XXXX XXXX XXXX robocall provided XXXX XXXX XXXX as call back # again person claiming XXXX be from collector XXXX (? ) i again informed them that i am on the National Do Not Call list and that the bank account was closed back in XXXX or XXXX and was well outside any statute of limitations and to conduct themselves accordingly. I have reported to the matter to the Florida Attorney General hotline and additionally will be also to the Office of Financial Regulation I had blocked both # s but have put them on caller id and will be saving any further attempts to contact me and hopefully will be able to save the threatening recordings
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

XX/XX/XXXX deposit made to XXXX account for XXXX XXXX XXXX XXXX worth XXXX $ attempted to transfer said amount to my wallet for trading, however they all failed. Need to wait XXXX days for payment to post. 

XX/XX/XXXX Email received from XXXX stating they noticed unusual account activity and restricted my account. They requested verification of IDs ( previously verified on XX/XX/XXXX ), selfies and bank statement. Called to ask why they need the bank statement, they then asked a bunch of questions over the phone if someone gave me money to deposit, if Ive been forced to do the deposit, if I know what Im doing etc. 

XX/XX/XXXX received another email about the restriction, responded to email explaining that ALL the requested documents were submitted, they requested the bank statement again. this was sent. 

XX/XX/XXXX I called XXXX to confirm receipt, once again they said i needed to submit bank statement, when i explained that this was already sent the rep then stated that I need to sent a screen shot showing the funds being withdrawn from my account. I sent it and she confirmed receipt. 

XX/XX/XXXX email sent to XXXX for followup no reponse, banner message on app stated that the account was being reveiwed and would be resolved by XX/XX/XXXX. 

XX/XX/XXXX email sent as no response or follow up, now banner message is stating AGAIN that all the documents are needed again. 

I just want them to give me back my {$XXXX} so I can close this account and be done with them but I can't call as that option has been disabled and they are not responding to my emails.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paramount GR Holdings, LLC (CA)

XX/XX/23 I have an issue and I need this information for incorrect illegal reporting of late payments need to be removed and marked as paid as agreed and i need the transactions to be reported correctly.

Goodleap has failed to provide me proof that i received a loan. They never gave me a loan as i extended my ssn and that makes it a credit consumer transaction and that is a credit card that is open ended and was paid at the time i executed the application, which is the device to purchase the good/ service i needed. I am getting damaged by the data furnisher and they are causing me sever mental anguish as i consumer report is suffering due to the creditors illegal and unfair practices. Late payments are illegal. Please have this account and transactions reinvestigated immediately.
Consumer complaint received 2023-05-01
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. (GA)

I've been attempting to challenge these claims in my report, but my challenge has been disregarded. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX Balance : {$180000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (FL)

Paid off a settlement offer for a debt to XXXX XXXX, Account XXXX XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.
Consumer complaint received 2024-04-16
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.