davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX  XXXX XXXX account number XXXX ) I am writing to acknowledge receipt of your recent letter dated XXXX XXXX in which you have stated that you have verified and validated the late payment that was previously disputed by me on XX/XX/XXXX. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment for XX/XX/XXXX. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payment that have been reported on my credit report is in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. 
Given that the late payment have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

I am writing to bring a serious matter to your attention and request an immediate investigation into the alleged fraudulent practices by Ally Bank. 

I have gathered substantial evidence that supports my claim of consumer fraud committed by Ally Bank 's auto financing division. It is deeply concerning that all the customer service agents I have interacted with are based in XXXX and seem indifferent when confronted about their involvement in what appears to be a banking scam. 

Whenever I request to speak with a customer representative or supervisor based in the XXXX, I am either abruptly hung up on or redirected to the wrong department. This behavior raises serious doubts about the integrity of Ally Bank 's operations. 
To provide you with a specific incident, on Tuesday, XX/XX/XXXX, I accessed my auto page on Ally.com and found that the payoff amount for my XXXX XXXX XXXX, financed by Ally, was {$14000.00}, valid until XX/XX/XXXX. I have attached the proof for your reference. However, to my astonishment, when I checked my Ally.com auto portal on Friday, XX/XX/XXXX ( after mailing the payoff check to Ally Bank via Priority Mail ) the payoff amount had increased to {$14000.00} ( proof attached ). This sudden increase of {$12.00} within a span of less than XXXX hours, despite the original payoff amount being valid until XX/XX/XXXX, is highly suspicious and raises serious concerns. 

Upon contacting Ally Bank, I spoke with their representatives in XXXX, who struggled to comprehend XXXX. Shockingly, XXXX separate representatives confirmed that Ally Bank takes its time to process payoff checks, which XXXX take XXXX days, and charges additional fees during this period. This practice is nothing short of pure banking fraud and can not be tolerated. It is our duty to protect innocent consumers from such deceptive practices, especially when they are carried out by a supposedly legitimate banking institution like Ally. 

I ask that you to take immediate action to rectify this situation and investigate the alleged fraudulent activities by Ally Bank. Consumers deserve transparency, fairness, and protection from such " legalized scams. '' It is deeply disturbing that a bank of Ally 's stature would engage in such practices behind the backs of its customers. 

I kindly request a prompt response to this complaint and a thorough investigation into the matter. You may reach me at XXXX or XXXX to discuss this further. I trust that you will address this issue with the seriousness it deserves and take appropriate action to restore trust in Ally Bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.
Consumer complaint received 2024-02-29
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. (NC)

This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX acct. # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct. # XXXX XXXX XXXX Magistrate Court XXXX 15 USC 1881 section 602 A States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section Stataes 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 more than seven years.

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have been able to repay my student loans. I have been unable to work for the last two years. I am currently waiting for a " XXXX '' from the VA. I have used all forbearance 's and would like a repay as you work loan, but have never been offered one from Navient.
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

XXXX of XXXX  my lease was up and I decided to switch it to a loan to buy out the car. In doing so bethpage federal credit union decided they were going to change the vin number on my title. They demanded I have it changed by going to the dmv and after I mentioned taking legal action since they had previously hurt my credit they told me they were fixing it on the phone which is recorded by them because they stopped responding to my emails. XX/XX/XXXX my brother totaled my car in a no fault accident. After a bit of time goes by me and my insurance company find out that the vin number was never fixed. They even tried to say my insurance company had the wrong vin but they had pictures of the vin from the accident on the car. They also never sent me the packet to go to dmv to transfer the title in my name. Now 30 days later Im losing my rental car and Im going to lose out on the car I put a deposit on because they said theyre going to have to wait 2-3 weeks for the dmv to send a duplicate title with the correct vin. My livelihood and job are now being put on the line including the well being of my baby brother who I work for since Im a XXXX worker and he is XXXX and I need a vehicle to take him to doctors and his programs.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (PA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-02-28
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. (FL)

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 2023-02-28
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. (CA)

When I review my credit report there are seems to be accounts that are misleading and needed verification for their erroneous reports. I already sent the necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. so kindly verify these accounts : XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, # XXXX, and account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

I received a notification on my credit report about a collections account in XXXX of 2023, while the collection agency says the account is from XXXX 2023, but have received zero notification of the account or the ability to dispute. I have previously disputed this account on my credit report and successfully have had it deleted, only for another agency to come in and bring back the same account with zero notification. I have a current account with XXXX XXXX XXXX that is paid in full and on-time for years, have said multiple times I do not know where this account comes from, received zero notifications, and have successfully disputed this debt multiple times. At this point this is harassment by both the collections company and XXXX XXXX XXXX. I will at this point pending what happens hear cease my relationship with XXXX XXXX XXXX for my cellular service if this doesn't stop as I'm free and clear of any contract obligations.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to you once again regarding the inaccurate reporting on my XXXX Bank account XXXX XXXX XXXX ). As I have previously stated in my two previous letters, the information on my credit report is incorrect and is negatively impacting my credit score. Account status is incorrect this account is paid. This has been reported as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to request that you investigate and correct any inaccurate information on my credit report. Despite my previous requests, I have not seen any action taken to correct this error.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase froze and then deleted my account without reason. 

They stated I could withdraw my funds, but I had a significant amount of XXXX staked, which could not be withdrawn. XXXX had to be converted to ETH in order to withdraw. I had approx XXXX XXXX staked on Coinbase ( I can not remember the exact number ). They said they would convert it to XXXX for me. 

On XXXX XX/XX/2023, they converted XXXX XXXX to XXXX. The rest of the XXXX went completely missing. They wrote " Please be informed that we are on the process of converting your stucked XXXX balance to regular ETH in order for you to cash it out and complete the account closure process. '' On XXXX XX/XX/2023, after having several phone calls, a XXXX  thread " Coinbase Account Deleted - Can not Withdraw XXXX '', and numerous emails, they sent me XXXX. The rest of that XXXX is completely gone. 

Moreover, even the funds I have on Coinbase that are accurate ( XXXX ) I can not withdraw as it says : " To send this balance off-site, please add funds before attempting a withdrawal. Alternatively, you may forfeit funds to complete the account closure process now. Obviously I can not add funds because my account has been cancelled! 

Coinbase replies to my XXXX thread obviously as it looks good publicly, and then takes either no action or the wrong action to follow up. My funds have essentially vanished.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX company account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX  XXXX BANK account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( BANK XXXX XXXX account # XXXX ) has violated my rights. 
In accordance with the Fair Credit Reporting act ( XXXX BANK XXXX account # XXXX ) has violated my rights. 



In accordance with the Fair Credit Reporting act Enhanced Recovery company account # XXXX has violated my rights
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I checked my credit report to find several debts that I never even heard of. I then Contacted them to verify the alleged debt. I sent a letter stating I checked my credit report and they were on there as a derogatory mark. I wrote them on XX/XX/23 and asked for proof ( Attach ) of how they came to have this alleged debt. I have received nothing and they are still listed on my credit report today. 

In accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. 
THEY MUST PROVIDE XXXX the original purchase agreement that shows their company is the legal owner of this alleged debt XXXX. The original contract WITH MY SIGNATURE from the company XXXX. A DETAILED BREAKDOWN of how they came to the total they have XXXX. I would also like a copy of the LAST BILLING STATEMENT from the original debt to verify the totals. 
Please include all of the Terms and Conditions that are included in this supposed agreement ( XXXX ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I was a victim of identity theft. I'm requesting under 15 U.S. Code 6805- Enforcement to help prevent me from experiencing any further identity theft. My wallet was stolen with my bank information and identity documents. I have filed an FTC report.

In light of this I need to remove all personal information I do not recognize and keep no other than my correct name & address on my consumer report. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I'm requesting proof of disclosures that contain my wet signature for accounts I do not recognize.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (AZ)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 an 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 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on XXXX dates ( XX/XX/XXXX ), ( XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.
Consumer complaint received 2023-02-28
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. (TN)

Hello, I am a victim of identity theft and fraudulent accounts and inquiries are listed on my Transunion credit report I pulled XXXX. Below are the fraudulent accounts and inquiries in full detail, Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Incorrect Address : XXXX XXXX, XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} ( XXXX XXXX ) XXXX. XXXX XXXX XXXX {$25000.00} ( XXXX XXXX ) XXXX. XXXX and XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. Bank XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX XXXXXXXX ( INQUIRY ) XXXX. XXXX XXXX XXXX ( INQUIRY ). I certified mailed a FTC report with these fraudulent items asking Transunion to remove these items but they have yet to do so.