davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TN)

XX/XX/2019, I helped the girlfriend ( XXXX XXXX ) of my stepson, buy a car using MY CREDIT, she was co-signer to get her name on loan, financed through Ally Financial. 
All was proceeding as planned until XX/XX/2019, talking with my banker, he asked why my credit score had dropped. I looked into this, found out that Ally Financial was attempting to repo the car for non payment. Ally Financial had all my credit info, home address, phone #, email, but nobody ever tried to contact me for payment or anything. After I found this out, I personally paid the past due amount to get the loan current. Ally Financial ruined my Credit, dropped from XXXX to low XXXX because of this. After arguing with Ally Financial, they said they were only allowed by law to remove 1 month negative from my credit. My score is still only at XXXX with XXXX, I am in need of loan, because of this Pandemic and Ally Fin won't do anything to help me get my score back up. I think it's outrageous that someone can ruin your credit without their Collections Dept doing they're job and reaching out to me when payment was late the 1st month or anytime after that. Ally Fin collections said they tried to reach me, last 4 digits of phone was XXXX, should have been RED FLAG, bogus number.. Last 4 digits of my phone is XXXX 
Vehicle was wrecked, totaled and loan has been paid off in XXXX. 
Any help you can provide would be appreciated.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 1681 section 602 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 an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-14
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 added two collection accounts to my credit reports in XX/XX/2020. I have disputed these accounts with Experian at least four times. The first three times Experian took approximately 2 to 3 days to " investigate '' and then notified me that both accounts were verified as accurate. I have not been able to speak with anyone to see exactly how they " verified '' this. I sent them a copy of the letter that was mailed to XXXX asking for verification that this was my debt in the form of my signature. I uploaded the forms received from XXXX to Experian. This included an itemized statement for {$1400.00} that not only did not contain my signature, it did not contain my name on the actual statement. Experian still verified this account as accurate and it remains on my credit report. The itemized statement for {$290.00} does not contain my signature and contains a XXXX XXXX XXXX policy number that does not belong to me. As previously reported to Experian, when our daughter had XXXX all of her medical bills that went unpaid after insurance went on my husband 's credit - not mine. She is on his insurance.
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (FL)

This collection Co seem to be a fake Co. ( Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX ) the notice say this debit is for a traffic violation in ( XXXX ) I have not been to XXXX and i no know one in XXXX - but this have gotten my info from somewhere and reported to the CB I will not call them nore will I write them or give them any more info then they already have to de-fraud me more or to use my info in any fraudulent way!
Consumer complaint received 2023-07-13
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. (FL)

XXXX XXXX XXXX XXXX Payment Inaccurate 18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, deceptive and unfair trade.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : States a consumer report does not include any report containing information solely as to transactions or experiences between XXXX XXXX XXXX ( the consumer ) and XXXX XXXX XXXX XXXX ( the person ) making the report. 

15 USC 1666b : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : States 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 2024-04-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (GA)

I have a vehicle financed through Ally Servicing LLC. Address XXXX XXXX XXXX, XXXX, MN. XXXX. My account number is XXXX. Today, XXXX at XXXX. I received a call from their collection Dept @ XXXX, and spoke to a man that I set up a promissory payment for this coming Friday, for {$1000.00}. As I was trying to tell the representative that when they call me I answer but theres no one on the phone. I hold the line for about a couple of minutes and its just dead air, and that they call me multiple times a day all day long to where I feel its unbearable and harassing. He told me that I have been blocked from making my payments over the phone or through the app and that I have to continue to make my payments via XXXX XXXX, or XXXX, which I have been doing for over 1 year. Which causes me to accrue an expensive fee to make payments. They will not allow me to make a free source payment to the company. I asked to speak to the manager to see why I was still blocked and the rep became very rude, condescending, and harassing! He told me to STOP talking, and refused to transfer me to a manager. He put me on hold for over 5mins, and didnt return to the call. So same day later I get another call at XXXX from the company # ( XXXX ) XXXX, I spoke to lady that didnt give mini maranda, or verify my info. I thought she was a manager calling but she was not, and was trying to collect a payment. I advise that I had made arrangements with previous representative that was rude and refused to transfer me to supervisor. I asked her to transfer me to supervisors multiple times she refused and advised that they were all in meetings and will have someone call me back. I also told her that I would be making payment Friday. She stated the supervisor will call me back. So I get another call at XXXX a little later from XXXX macaraeg from XXXX, I thought she was a supervisor but she wasnt. She too trying to collect payment on my vehicle which I already set up arrangements with the prior representative. All day long this company calls me even when I have payment arrangements on file!!! They continue to call and HARASS ME EVERY DAY and the representative talks down and belittles me. Its UNBELIEVABLE! I have to pay expensive fees through XXXX XXXX to make a payment! Its UNBEARABLE!
Consumer complaint received 2023-05-27
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. (MN)

In accordance with fair credit reporting act this creditors has violated my right 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : its also state a consumer reporting agency con not furnish account without my written instruction. 

15 usc 1666B : a creditor may not treat a late payment on my credit card account under or open and consumer credit plan as late for any purpose
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached Upgrade 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in Upgrade 's credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by Upgrade done so AFTER I filed my first complaint againt this company. 
My request is that Upgrade be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Consumer complaint received 2024-03-26
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. (FL)

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 XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-27
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX  XXXX Balance : {$680.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

On XX/XX/XXXX, I had applied for a cash out refinance loan on a manufactured home. I already had a loan with the lender : New Rez. I completed paperwork, and my loan rep ( yes, I will name names ) - XXXX XXXX was more than happy to communicate with me on the required documentation and appraisal fees which were sent. He was very prompt in his communication with me. An appraiser came in late XXXX to appraise the home which appraised very well. Everything was in order or it seemed. I called on XX/XX/XXXX for a loan status and received no call back, I proceeded to continue to call with no callback and sent emails with no reply for a month and a half. My loan was then with XXXX XXXX ( Jr.Loan Processor ) who also, never called me back to let me know how the loan was progressing, It was not until late XXXX, that I finally made contact with a random rep who informed me my loan was denied. Were they ever going to let me know the loan was denied while I waited for almost two months? It was denied due to : New Rez does not do a cash out refinance on a manufactured home. This information should have been disclosed at the beginning when I called and ASKED. Nothing was disclosed and they knew full well this loan was never going to be approved. However, they were more than happy to take my appraisal money in the amount of {$500.00}. After I paid, I heard nothing. New Rez has in essence, stolen from me and are predatory lenders. I was assured by the random rep that the issue would be escalated, but it is going on two weeks with no reply and the random rep is now ignoring my inquiries. I am at a loss. I am frustrated with calling and being forwarded to rep after rep with no resolution. I don't know who to call or what to do to get my money back. I would hope this would be resolved in good faith, but it seems pretty hopeless now.
Consumer complaint received 2020-08-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (FL)

i have had a hecm mortgage since XXXX, when the underwriters vetted the master policy of the XXXX XXXX XXXX and did not require a XXXX policy seperately from me. the Mortgage Agreement did not require a XXXX policy. CELINK took over the servicing of the account [ # XXXX ] in XXXX, and has since then harrassed me about a XXXX CONDOMINIUM policy. in XX/XX/XXXX CELINK force placed their own insurance on my account, and charged it {$150.00} XXXX, which i payed in XX/XX/XXXX to remove my account from DEfault status. CELINK has issued a XX/XX/XXXX letter stating they will again require the same XXXX XXXX XXXX XXXX policy effective XX/XX/XXXX and charge my account {$140.00}. I believe that CELINK HAS FRAUDULENTLY 'force placed ' requirement, which was not part of the original loan 's requirements. [ from XXXX, the origina [  underwriters never had any qualms with the MASTER POLICY OF THE XXXX XXXX XXXX XXXX XXXX. I AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I PREFER TO COMMUNICATE BY PHONE!
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

Ally services is the worst company I have ever used for anything. Besides the first year of constant problems I've had, I have requested to not be called on church day, Sundays. Several agents over the phone and via chat have ensured me that wouldn't happen anymore. Until this day, they still call twice a day on Sundays. 

I've been making all my payments and do not have any extra payments behind. They are due on the XXXX of every month. Starting the XXXX, they call, text and email me daily. I pay all my payments on the XXXX  for the month before. Not even 30 days late. This is harassment and they refuse to stop the calls. 

I even get voicemails stating that there aren't any agents available!!
Consumer complaint received 2022-12-14
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. (SC)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (FL)

This is a complaint against State Farm, for the abuse and disrespect of sending me letters to my house. Those accounts don't They belong, they are not mine, I made a complaint to close that account from your credit files, and what are you abusing and creating a climate of terror, which part does not understand? They are not mine, and I have nothing to discuss with you. I gave him all the necessary documentation, but I see that they are making fun of me, sending sarcastic letters to intimidate me. I ask that you please stop sending me letters with those accounts because they are not mine, and you are violating federal law, reporting open accounts under fraud and : I don't think what you're doing is funny. I request that you stop sending me, letters to my house, stop calling me. I ask that this be solved in the best way, if you continue to report those accounts under my name and send me collection letters, I will take legal action against State Farm for defamation, harassment, and reporting accounts under my name. I have a police report and an affidavit, I will file a complaint with the FTC and business bureau. And a lawsuit to collect accounts that were opened under fraud. If you want to talk something, you will have to do it with my lawyer. For the lawsuit that I am going to file against you. I wanted to take everything for the. Via dialogue, but abuse and disrespect can not tolerate it.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phones numbers and names corrected on my report as this is a violation on my consumer protection rights.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I was contacted today XX/XX/XXXX by Synerprise Consulting Services in regards to a medical debt that they claim that I owe in the amount of {$150.00} for XXXX services per the representative. I requested the dates and was told in XX/XX/XXXX. I advised the rep that I did not have any procedures done in XX/XX/XXXX and to please send me an itemized statement. I was provided an email address to email a supervisor my request. I sent an email 10 minutes later and called them back. The rep that answered then provided me with a website to pull the statement and he stated that the services were in XX/XX/XXXX. Again, no medical procedures in XX/XX/XXXX were completed. The statement is very vague and I was advise to contact XXXX to get more information. I have not received anything in the mail from this company or any valid information involving this alleged debt. This item is not reported on my credit report which has 0 collection items and I would like for this to be resolved asap, however, all the company wants me to do is blindly pay for something that they are not providing me sufficient information on to validate.