davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (OK)

I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. 

At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. 

Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. 

I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.
Consumer complaint received 2023-03-01
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (CA)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP (TN)

this company is reporting that i have had a auto loan through their company this fraud i never had a loan the document that was sent to me is that i bought a car from a company name   XXXX   XXXX   XXXX   which is false and on the document it stated that i traded in a   XXXX    XXXX   XXXX  and that false as well look on signature that 's not how i sign document and what was the vin number on the so  XXXX  that was traded in i guess any one can get a loan through this company all that have to do is steal a person information wow amazing reply to case  XXXX
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-01
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)

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. Act Name : XXXX  XXXX XXXX, XXXX Number : XXXX, Act Name : XXXX XXXX XXXX XXXX Number : XXXX Act Name : XXXX XXXX XXXX, XXXX Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX CO XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Consumer complaint received 2023-05-22
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. (MI)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (NY)

Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited my XXXX  check with XXXX  signature they closed my account. Called multiple times said check in the mail. Than they said we both have into bank and show ID. Also did that. Checks all cleared and they won't release my money. No fraud was made and proved it but said they are not giving me my money. Not only her checks but my payroll checks also.
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (CA)

On XX/XX/XXXX I initiated contact with the collection agency, formally requesting that all further communication cease, as the aforementioned debt lacks validity. 

In addition to this request, I dispatched an official letter to the designated mailing address, sent via certified mail with a signature requirement. The purpose of this correspondence, dated XX/XX/XXXX, was to request substantiating evidence and documentation pertaining to the alleged debt. It was explicitly mentioned in the letter that I expected a response within 30 days. 

Despite the passage of the aforementioned 30-day period, I have not received any communication from the agency in response to my letter. In light of the agency 's failure to comply with my request for proof of debt and the subsequent inaction within the stipulated time frame, I feel compelled to report this matter. Furthermore, I must emphasize that the debt remains present on my credit report, as it has not been removed as per the law.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Over the past seven years, I have diligently repaid my federal Direct Subsidized and Unsubsidized student loans each month. I have never missed a payment. I have stayed in good contact with my service provider. I have never deferred or been in forbearance. When I can, I pay more than what I owe each month in a sisyphean attempt to repay my loans faster. 

In those seven years, my service provider has changed at least three times. Currently, both of my loans are serviced by Navient. 

At every turn, Navient has been unhelpful, rude, cruel and has made it as hard as possible to make payments, to reach them, to ask simple questions and to get crucial information about my loans. Currently, they refuse to accept a payment via debit card, over the phone or on their website. The flimsy reason they offer is that my account does not have an outstanding balance, though I should be able to repay my loans at any time and in any amount, regardless of what is outstanding. I should never be punished for making payments on time every month. They also refuse to allow me to apply my overpayment directly to the principal balance, or to XXXX loan specifically, as is my right. It feels illegal, icky and wrong. 

In light of the lawsuit filed on XXXX XXXX, 2017 by the Consumer Financial Protection Bureau for " failing borrowers at every turn, '' I would like to share my experience in the hope that it strengthens your suit against this vile company, who feeds off the misfortune and ignorance of XXXX 's educated young people. I will call your attention, specifically, to this paragraph from the press release regarding your lawsuit : " [ Navient ] Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrower 's payment and follow instructions from the borrower about how to apply it across their multiple loans. Navient repeatedly misapplies or misallocates payments -- often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company. '' I am XXXX of the borrowers they have failed in this regard and I want out. Immediately. I want them to be held responsible for failing me and others like me and I want my loans serviced by a company that does not prey upon its customers like lions on weakened gazelle. 

Given the atrocious level of service provided, the pending CFPB lawsuit, the current-good standing of my loan status and my impeccable credit score, I have formally requested to change service providers through the Ombudsman of the Department of Education. Though, I 'm sure there will be a XXXX reasons why I do not have the right to make that choice. 

Please take Navient to court and represent all of us.
Consumer complaint received 2023-05-04
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)

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 XXXX. 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 : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.