davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ALLY FINANCIAL INC. (PA)

In XXXX I filed for XXXX XXXX, XX/XX/XXXX, Due to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy in XXXXDuring the XXXX process, all my credit debt had to be listed. My partner and myself had leased a XXXX XXXX XXXX using Ally Financial Bank. We had 6 months til end of lease. The amount we owed was {$2000.00}. the payment schedule for my XXXX didn't begin until XXXX because of an oversight by my attorney. My Partner didn't want to have his credit harmed by my XXXX so he paid all payments due and we returned the XXXX  to the dealership XXXX XXXX, XXXX and paid a closing fee of {$410.00}. In XXXX he received another statement from Ally stating he owed another $ XXXX paid Ally and thought that was the termination of what was due. However, when I accessed my XXXX on the XXXX website ( XXXX ) I found that Ally Bank was one of the creditors receiving monies from my payment schedule. I notified my Attorney that my partner had paid all funds required by Ally, but he did not reply or give any advice. 
A similar process occurred with XXXX XXXX XXXX XXXX XXXX. XXXX has a cross collateral contract that states that a car loan from XXXX must be attached to the credit card amount we owed. Again, since the XXXX payment was later than the XXXX  payment date, my partner to pay what ever interest accrued each month before the payment date of my XXXX. XXXX payment stayed the same.However, when the car amount ( though it was triple of what we owed ) was completely, paid XXXX would not give my partner the title for the car. This caused monetary stress and XXXX for myself and partner.
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX & XX/XX/XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. 

on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. 

Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! 
something needs to be done, I have never been treated so poorly by a credit card comapny as I have been through capitol one from NO FAULT of my own.
Consumer complaint received 2019-10-31
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. (AZ)

There is an account on my Transunion credit report from XXXX. This account was discharged due to XXXX and XXXX XXXX years ago after being diagnosed with a XXXX XXXX. Transunion is the only credit bureau that can not seem to get it straight. I have submitted paperwork to show the account was discharged. In fact, I have been denied mortgages and other loans due to this account being reported incorrectly. It is time that Transunion be held liable for their incorrect reporting of this account. The account is due to fall off in a few months according to the credit report. I have been dealing with this for years. It is clear that the accounts were discharged because all of the other ones have been updated and removed. It should be a simple task to research this and remove the item.
Consumer complaint received 2022-09-14
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. (LA)

In accordance with theFair Credit Reporting and XXXX Account # 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. 

XXXX XXXX XXXX. Account XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2019-12-06
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. (NY)

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXXthere should be no other names or addresses on my consumer file. My employer is XXXX XXXX, XXXX there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Ive never had a contract with Convergent Outsourcing, a debt collector, for any debt. I have been asking this company since XX/XX/2023 to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit reports. I have not agreed with any results of their investigation, and they have done nothing to verify. I have been asking Convergent Outsourcing to mail me the proof of their investigation and proof that they, as a debt collector, has a legal right to collect for a debt, or delete this account from my credit profiles. 
Furthermore, the address noted for this debt is a fraudulent address that is not verifiable anywhere in the city or state where I reside in Texas.
Consumer complaint received 2020-03-02
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. (AR)

I spoke with a representative from Equifax this morning in regards to a recent identity theft dispute. I advised the representative Equifax had removed the wrong account ( XXXX XXXX XXXX ) which was not the account disputed in my Federal Trade Commission Identity theft report. In addition another fraudulent account ( XXXX XXXX ) which was also included on my FTC identity theft report remained on my credit file. I explained to the representative that XXXX XXXX XXXX Account needed to be placed back on my credit file and that the XXXX XXXX   account should've been removed under the Fair Credit Reporting Act statues in regards to section 605b, 609, & 611. The representative told me the XXXX XXXX account came back verified as belonging to me. I asked how could this be when the account was opened without my knowledge or consent and she then stated she didn't know how it was verified but that it came back verified. I find this totally unacceptable and it is a clear violation of the FCRA Sections 605b, 609, and 611 because it was not 100 % accurate verification using the automated e-Oscar data furnisher pacer system. The representative then told me I needed to speak to someone in the fraud department which the call was disconnected during the transfer. Any who individual who has access to my personal information would be able open accounts in my name.
Consumer complaint received 2020-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Three Original loan amounts were {$9400.00}. Current debt is at {$32000.00}. Multiple issues getting these paid off. I'll use one loan as example for this complaint which the original loan amount was {$3700.00} with a current balance of {$20000.00}, interest is set at 13.75 % and they will not negotiate. In XX/XX/XXXX my payment terms changed and was asking for over {$400.00} per month, I could not afford that and called to make arrangements. I was told I did not qualify for any programs. I made a large payment in XXXX of which {$280.00} went to interest and {$0.00} to principle. XX/XX/XXXX I get hit with {$620.00} of capitalized interest increasing my principle balance for the year by {$260.00}. This type of issue has been going on for multiple years and Navient ( previously under Sallie Mae ) has not been helpful in getting these loans paid down. My account history is likened to loan shark practices as every option offered only gets me farther in debt -- Since XXXX there has been over {$2000.00} in capitalized interest on this one loan ( recall the original principle was {$3700.00} ). I was told during my last call that I can only redo repayment terms twice in a two year period, but the terms are only good for 6 months. This leaves 1 year of time I am unable to pay the minimum payment which only increases the debt and ruins my credit along with any ability to refinance the loan.
Consumer complaint received 2023-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

The Florida Department of Economic Opportunity - HAF Program states they sent the XXXX mortgage payment on XX/XX/2023 and the XXXX payment on XX/XX/2023 as of today XX/XX/2023 AmeriHome Mortgage states they have not received either payment or they say they do not have it. Payments are being wired transferred in batches and it has not yet been applied to my account, which means it is overdue and affecting my credit.
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (UT)

A long established trust account has been tampered with inside of the bank. This account was somehow changed from a Trust account with all the required documents and to a personal joint account with no documents. The bank refuse 's to give us any of the paper work or reason 's why this happened. They are hiding all of the information we have requested about the problem and will not correct it back to the way it was opened as. By removing the Trust on the books they are maintaining, they have also removed all of the protections that a Trust provides, and it also affect 's the Trust instructions and wills, and properties in the Trust.. Extensive effort 's have been taken to get this corrected, but have been met with a cover-up most likely to protect them and not the customer. This by all banking and Trust rules and laws and or standards, must have broken many of them.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

ATTN : CFPB I need you to engage in enforcement action on my behalf against Experian. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Experian accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Experian. I've attached proof that USPS delivered and signatures upon receipt. 
Experian : XX/XX/XXXX, XXXX XXXX I've contacted Experian. I received an email that they don't believe bankruptcy can be considered identity theft. I've attached that unprofessional email. XXXX and XXXX have deleted the bankruptcy. All my documents have been notarized. 


XXXX accounts on my Experian credit 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
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear Experian, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

I have never provided written consent for Experian to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA. 

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent. 

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report. 

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE
Consumer complaint received 2023-05-12
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. (NJ)

This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-03-02
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. (SC)

says its been removed months ago, yet still on my credit, have police report as well Account # : XXXX Opened : XX/XX/2019 Balance : {$4800.00}
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I discontinued insurance with XXXX XXXX and ended my policy. I was told by XXXX XXXX that the policy amount was prorated due to the XXXX and circumstances involved with XXXX and not driving and I paid for the amount of service i retained before cancelling. Due to serious XXXX related instances I was not able to drive. My family is still feeling the effects. I told this XXXX  company that this was settled and please stop sending harassing letters because I don't owe XXXX XXXX. All they sent me for validation and verification was a XXXX page bill. I asked for them to send me documents with the vehicles involved, even though I lost my vehicles, and the dates of the kind of insurance that was not claimed to be settled. Company has not responded to the requests I have made for proof and I would ask please to close and remove from my credit reports. After all that I have had to deal with during the past XXXX years, it is disheartening to have to go through this. I have no accounts with XXXX and please show me documents or policies I signed that claim I do. I also contacted the XXXX credit bureaus for a dispute investigation.