davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

In XXXX I purchased a XXXX  XXXX  XXXX. It was financed through GMAC. I paid off the truck in XXXX. I never received a title. I am now trying to sell the vehicle 12 years after I paid it off. I tried to obtain a replacement title and was told I couldnt because I owed XXXX $ on the truck according to Ally auto. Ally auto purchased GMAC from my understanding. I have not once heard anything about owing anything until I tried to obtain a replacement title. I have spoken with a lawyer and filled out a petition to file with the courts. He told me that in Texas the statue of limitations is 4 years or 10 depending on the situation. It has been 12 years since I talked to any finance company about my XXXX  XXXX. I would rather not have to go to court and waste everyones time. They should just mail me the title or release the lien. Also, I feel they should be obligated to follow the laws in Texas. Now they are trying to say its even more money they want before they will release the title. This is against the law I would presume because it has been over 12 years since the truck was paid in full to GMAC. I believe something may have gotten mixed up in paperwork years ago but it till doesnt explain why I have never been contacted about it if I owed any money.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2024-03-08
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)

After reviewing my consumer report, I noticed that I had some late payments on an account that I was never late for. The consumer reporting agencies have played a very important role and have the ability to report consumer information as accurately as passible. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing me where these payments were late. If proof can not be established, I demand that these payments be updated to on time as they should be because I was never late I have also attached a screenshot of the dates of XX/XX/2023 showing my payments being 60days late. How are my payments 60 days late but the previous month on XX/XX/2023 my payments were marked on time.

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency.
Consumer complaint received 2022-12-23
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX.
Consumer complaint received 2022-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT between me and NCA. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate. I also filed complaint with Federal Trade Commission Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Consumer complaint received 2022-12-23
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. (CA)

XXXX x XXXX XXXX XXXX ( XXXX ) credit card accounts show on my credit report. I have no business with this bank, did not request any credit cards and have no knowledge of these. All XXXX are delinquent and appear to have been requested fraudulently. I contacted all XXXX credit bureau agencies, and XXXX and XXXX have removed these fraudulent accounts from my credit records. But Experian have not, and have requested an FTC report to validate my claim.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I paid my BJ 's Credit Card bill in full ( {$2600.00} ) on XX/XX/XXXX. The money was paid through bill pay from my joint account with my husband at XXXXXXXX XXXX. I realized quickly that it hadn't been credited and called five different times before finally emailing the bank on XX/XX/XXXX. Unfortunately, I did not keep a record of the dates of the calls. What was eventually determined is that I had sent the payment to an old account that was now closed. I had proof in the form of a debit tracer from XXXX showing that Comenity had received the funds by bank transfer and the account number that the money was paid to. 

As my husband and I continued to call to follow up on this matter, we have been informed three different times that a dispute was filed, and we needed to give them 90 days to resolve the problem. The two notifications that I have on record from the bank include an email response saying that a dispute was initiated on XX/XX/XXXX and a letter on XX/XX/XXXX saying that they need to investigate, and we should allow up to 90 days. It has been more than 90 days from the XX/XX/XXXX date of initiation of the dispute and six months since I paid the XXXX monthly bill. The money still has not been credited to the account and interest has been accumulating. We have continued to call the bank. At one point they said that they never received proof of payment even though the debit tracer was still an attachment on my messaging account with them, we resent it on XX/XX/XXXX and still no response. 

A complaint was sent to FDIC on XXXX and on XXXX FDIC informed me that the CFPB was the correct place for the complaint and that it was being forwarded. The Reference number is XXXX. In checking the CFPB website, I can't find a record of the original complaint. 

Please help us resolve this.
Consumer complaint received 2024-04-12
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. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Account was in dispute and Bread Financial incorrectly states the account is 90 days past due. 
Per Bread financials credit card agreement " we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. '' Bread Financial has erroneously and willfully reported false information to the credit bureaus Bread Financial has willfully violated the FCRA and refuses to correct the issues.
Consumer complaint received 2023-12-22
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. (NJ)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2022-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 my online banking account was hacked. I was a victim of fraud/scammed. I received a call from what I believed to be my banking institution, JPMorgan Chase. The rep asked me if I initiated a wire transfer, I advised her that I did not. While placed on hold I entered my online banking and could see money leaving from my account. I instantly got in the car and headed to the bank. By the time u arrived XXXX wire transfers in a total of XXXX was stolen. XXXX wire for XXXX XXXX for XXXX. I informed my bank, made a police report, closed all accounts at chase and got new accounts. The money appears to have went to someone named XXXX XXXX and XXXX XXXX. These XXXX wires I was informed were not in Texas where I live. Chase has refused to return my money stating that someone must have stolen my information and this is not on them. I am reaching out in dire need of help. I was informed the device used to process this transaction was XXXX never logged in before on my account. I have never made a wire transfer ever from my accounts. Chase still declined my money. I've banked with Chase for over 15 years. While I was being hacked I was at XXXX dealership getting my car serviced. I have provided docs to support this as well.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist bank has been the most unfortunate and deceiving bank I have ever worked with. 
They allowed over {$3500.00} of unauthorized charges to be made on my card and after opening and disputing the charges they are telling me they will need up until XX/XX/XXXX to determine my claims. I opened this claim with XXXX XX/XX/XXXX when I initially noticed the charges. The next day, XX/XX/XXXX I get an electronic mail stating that they are only going to investigate half of the claims ( totaling {$1600.00} ) because they found no error in the other charges despite the transactions being made around the same time using the same chip card. I even let them know that I filed a police report regarding the unauthorized transactions since it was over {$3000.00} stolen and provided copy of the police report filed. The worst part is dealing with the Fraud dispute department, they lack any kind of sympathy and urgency to their customer 's especially with the situation of fraud. In those three weeks from XX/XX/XXXX i didnt get any type of follow up from Truist or even confirmation that my documents were received, it wasnt until I contacted them today that I was told they started looking into my case today. Thats what prompted me to even file this complaint. I greatly regret ever opening an account with this bank. 
I I'll never do any type of business with this bank even if my life depended on it.I am so disappointed with the way that Trust is choosing to handle this situation especially in a time like this. It is 3 days until XXXX and my account is overdraft and I have no clue what else to do. After this case of finished I will definitely be closing my account with this bank. 

( Claim No : XXXX )
Consumer complaint received 2024-03-09
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my other 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 items XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.
Consumer complaint received 2024-03-09
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. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CO)

We had made a {$500.00} deposit into the banks ATM on XX/XX/year>. There was a problem with the ATM XXXXm assuming because the money was not credited to the account. When going in and speaking to them they say there is nothing they can do until XXXX XXXX. So I am without my funds for two to three days. I live paycheck to paycheck and need my funds. I called customer service and still no help. The banks ATM took my money.
Consumer complaint received 2023-12-22
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. (CT)

I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by ( XXXX/equifax ) account number is XXXX I am disputing this account based on violations of the Metro 2 credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-11-26
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Next Level Finance Partners  LLC ()

Good morning sir/ma, I am XXXX XXXX XXXX XXXX on early XXXX I had in mind to apply for a loan which I chose NEW CREDIT during my filling of the form getting to ( terms and conditions ) to access the amount of money needed I decided not to continue the form no money was indicated that I need/ account number to send the money to, after some months NEW CREDIT has been sending me messages that I am owning why I didn't continue with the deals or collect any money from them ... please call them inorder because since then they keep on disturbing me for no XXXX and keep accommodating money till date..
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Consumer complaint received 2023-12-22
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  XXXX
Consumer complaint received 2024-03-08
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)

Dear sir/mam My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX Open XXXX