davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Check Recovery Bureau, Inc. (VA)

I received a call from my father today, XX/XX/XXXX saying this man called from UCRB ( https : XXXX XXXX looking for me. My father then said that the guy sure knew a lot about me ( my date of birth, my email address, and my phone number ). He then proceeded to ask me if it was true that I had debt from 2018 that I had not paid. And that the guy from UCRB told him it was over {$4000.00} and some dollars. 

This employee clearly violated the Fair Debt Collection Practices.
Consumer complaint received 2020-03-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I purchased my new XXXX XXXX XXXX XX/XX/XXXX and obtained the financing through Ally Financial. Everything was great until about XX/XX/XXXX. It started XX/XX/XXXX when I had to have XXXX XXXX XXXX XXXX and things did not go as well as planned and I ended up off work for 6 months. I did not plan on being off this long as it placed a great strain on my budget. By the time I returned to work, I will take full blame that I did fall behind on my car payments. I was working on trying to catch back up but was unable to and contacted Ally on XX/XX/XXXX to see what kind of assistance I could obtain. I contacted through the chat option feature that is offered through the website due to being at work and was unable to talk on the phone. I spoke to someone whos name I cant remember who told me that I could pay {$100.00} and change by XX/XX/XXXX or so to roll back the number of days that I was past due for the credit reporting. He then proceeded to demand when I was going to pay the remaining past due balance. I tried to explain that I was seeking some sort of assistance and he continued to demand payment. I continued to explain my situation and that I had lost my spouse in XXXX and then the XXXX in XXXX and was in a XXXX  XXXX and desperately seeking assistance. The agent continued to demand a promise to pay and continued to now threaten my credit, which according to the FDCPA Collections, they are not allowed to do, nor are they allowed to harass me the way he proceeded to do. I became so distraught that I disconnected the chat. After I had time to calm down some, I emailed them through their online portal asking for the chat transcript which I am entitled to have and have not received it. I have then proceeded to leave negative comments on their XXXX page and was asked to privately message them, which I did and was told that someone would reach out to me. I received an email that someone would investigate the issue. Not a word since. I started to receive collections calls, explain my situation and the regulations that were violated and told that someone would reach out to me and not a word since. I have asked on numerous occasions for the transcript to the XX/XX/XXXX chat session and have continued to be ignored. I have no intentions of not paying but again am seeking assistance for the past due balance, the transgressions that the agent committed and assistance for the payments until I can get back on my feet financially. I also still am requesting a copy of the chat transcript from XX/XX/XXXX of which I have yet to receive after almost a dozen requests. The service I have received over the 3 months is beyond disgusting and has also violated several FDCPA Regulations and this issue needs to be investigated.As of XX/XX/XXXX, they have now started to disguise their phone number and are now calling from alternate area codes as well which is also a violation.
Consumer complaint received 2020-03-03
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 have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX  XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX
Consumer complaint received 2020-03-03
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. (FL)

i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX   XXXX XXXX XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX
Consumer complaint received 2022-09-30
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. (MI)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Balance : {$2900.00} LVNV FUNDING ( Original Creditor : XXXX XXXXBANK ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE XXXX XXXX : {$2600.00}
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

I haven't receive my activation code or any information from the Equifax Data Breach Settlement regarding the credit free credit monitoring I selected on XX/XX/2020. I was also given a submission code too. 

I reached out to the Equifax Settlement Administrator via online, email and phone on XX/XX/XXXX and again in early XXXX of this year. But no response at all. 

This is very unprofessional especially since my information was breached on Equifax. 

It seems like Equifax has lied to me by promising that free service if you select it.
Consumer complaint received 2022-12-24
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. (FL)

XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because XXXX and Equifax show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. 

Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-12-24
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. (OH)

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 U.S.C 1681. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights under 15USC 1681 section 602 A.. it states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions. 15 USC 1681 sections ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crime, which antedates to report by more than seven years. 15 USC 1681 sections ( A ) ( 1 ) state a person should not furnace any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX ( report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX  All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (LA)

This account was paid in full from a insurance claim from XXXX XXXX. Ally financial received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, Ally said that I have accrued finance charges on my account that is still open. I explained to Ally that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. Ally does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from Ally. All that I want is Ally Financial removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe Ally Financial any money. XXXX XXXX XXXX paid Ally financial in full
Consumer complaint received 2022-12-24
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. (OH)

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : US DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX  # XXXX Account : XXXX XXXX XXXX  # XXXX Has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All of the amounts listed ( {$350.00} XXXX are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.
Consumer complaint received 2020-03-11
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: ONLINE Information Services, Inc. (PA)

Online collections. Company made Threats and tarnished credit file while diagnosed with XXXX XXXX. Company added stress to regarding payments. Unable to work due to XXXX. Requesting removal of late payments and negative tradeline
Consumer complaint received 2020-03-03
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. (MA)

A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. Experian refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (PA)

Commenity Capital Bank has been calling my home five times a day for MONTHS, in regard to a small credit card debt XXXX {$540.00} XXXX. They have threatened me with lawsuits. They called my husband twice and told him about the debt and the name of the credit card. They called my DAUGHTER last week, again mentioning the debt and the name of my credit card. I have the voice mail to prove it, as she forwarded it to me. The second time they called my husband and also my daughter, was Wednesday XX/XX/XXXX. I called the gentleman back, his name was XXXX, very upset about him contacting my husband and daughter. I told him I was going to file a complaint against them, and his response was " We're a XXXX dollar company. Do you think your complaint means anything? ". When I asked how he got my daughter 's number, he said we have a lot of people working in the background and they can get anything they want. I then told him that from now on I wanted all communication to be in writing, he hung up on me. He was very rude, also telling me I deal with people like you all the time, you don't bother me. Since telling them on XX/XX/XXXX that I want all communication to be in writing, I am still receiving calls, I've gotten three in the last two hours. One left a message from Commenity bank again, one had no one ( that spoke ) on the other end, The first call came less than an hour after requesting written communication only- it was a woman speaking XXXX, I believe. I need the phone calls and the harassment to end.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

The debt is already purchased by Midland Credit Management. I asked for a settlement. The company stated there is no settlement. Other debt management companies have this option. The company repeatedly stated there is no settlement. They continue to call and do not have leave messages. They called while I was at work. I ask for contact information and XXXX XXXX continued to ask " why do you need that information ''. They continue to threaten to send the account to " an attorney in my area ''. If they have not done so by now, I doubt they will. They use traditional scare tactics and call from noisy environments. During the phone calls, I can hear other people speak and phones ringing in the background. This is very unprofessional.
Consumer complaint received 2022-02-26
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. (TX)

I have sent in numerous dispute letters and FTC reports to Equifax, XXXX, and XXXX  to have these items deleted off of my consumer report. There are 4 negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX XXXX {$3500.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$3000.00}, XXXX {$5300.00}, XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.
Consumer complaint received 2022-12-24
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. (OH)

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX OHIO KY XXXX XXXX Account : XXXX DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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 2022-12-24
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)

This is my several 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
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NV)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-03-03
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}