davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

I had an auto loan with Ally Financial from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made arrangements to skip my XXXX payment and have it put to the end of my loan. I also made my XX/XX/XXXX payment With a customer service rep via phone on XX/XX/XXXX due to my wife being in the hospital. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX was a Sunday That Ally Financial would not report my account as being paid 30 days late. 5 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Ally Financial actually did report the account as being paid 30 days late for XXXX & 60 days for XX/XX/XXXX. Which is incorrect
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX  from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This debt was paid in 2015 with the promise to delete. It was originally with XXXX XXXX and it has been sold. I dont think the new debtor was aware that this account has been paid. Also I have disputed this information before but I never received a response back from the credit bureau.
Consumer complaint received 2021-07-15
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: The Receivable Management Services LLC (CA)

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Consumer complaint received 2020-11-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from Experian dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from XXXX saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a certified letter to all three credit bureaus, requesting to have this closed account from XXXX XX/XX/13 removed/ deleted from my credit reports. It has been well over 90 days and I haven't heard anything from them not have the account been deleted. This violates the FCRA law that States that the bureaus has a responsibility to respond to the request of all consumers within a timely manner.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/2018 XXXX XXXX has opened a PayPal account in my name using my social security number. BY LAW PayPal is to get in contact with me before checking my credit THEY FAILED TO DO SO. XXXX XXXX sent a pair of shoes to my mothers vacant house. My mother stated she shes was going to see if any mail came and she notice a box from XXXX XXXX with my name on it from PayPal. I live in XXXX not XXXX so i called PayPal and they said they did check my credit and didn't know????. my credit has a freeze on it and some how let it go though. XXXX XXXX has been after my credit for months i have all police reports and PayPal let it happen. Now they are not responding to me.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I made a purchase of {$3000.00} that was financed by Synchrony Bank with a promotional 0 % APR offer until XX/XX/XXXX. 

On XX/XX/XXXX I made a purchase at a different store that used Synchrony Bank to finance another {$3000.00} that would provide a deferred promotion of 0 % APR until XX/XX/XXXX Synchrony posted almost all payments to the 1st purchase on XX/XX/XXXX which has a much long intro period. Meaning we could not utilize a promotional period unto XX/XX/XXXX on any of the balance. This was not disclosed to us and we would not have financed through Synchrony for the purchase made on XX/XX/XXXX knowing to avoid deferred interest both purchases would needed to be paid by or before XX/XX/XXXX Lastly, financing the purchase on XX/XX/XXXX lost me discounts on the purchase. It was an either finance or receive discounts. We financed to pay over 6 months but very low amount of payments were allocated to this balance
Consumer complaint received 2022-03-15
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)

There are still multiple accounts on my report that are not mine and should not even be reporting. They haven't removed them even though they do not even belong to me.
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

My XXXX account was closed recently, I requested it closed due to an unauthorized transaction on XX/XX/20 in the amount of XXXX to a XXXX or a name similar thereof. There is currently a balance in the amount of XXXX in my account and I need a check sent for this amount plus XXXX, a total of XXXX. As explained to numerous XXXX reps and again here, I do not know this person, XXXX, I do not send money to any person I do not know. Most recently, a XXXX with XXXX attempted to refer me to authorities about the matter, stating to contact them if I believe I am a victim of a scam/fraud. Unfortunately, the police can not reimburse me for the transaction and XXXX as well as other XXXX reps are aware of this, referring me to police is merely a runaround. This transaction was reported as fraud the same day I saw it on my credit card account as pending at the time, reps have done little to investigate aside from verifying log in activity which I did not log in that day. I wish to reiterate that I do not know the person, XXXX, he or she appears to be using the account to sell themselves for XXXX, which is a violation of XXXX  terms of use. XXXX reps will not look into this or reverse the transaction out of the person 's account, refund me.
Consumer complaint received 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 than XXXX 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 2022-02-18
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: CITIBANK, N.A. (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, XXXX. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
Consumer complaint received 2023-03-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Experian credit file.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus a certified letter to have this closed account deleted/ removed from my credit reports. This XXXX XXXX account was closed XX/XX/18. I haven't heard anything from them and this violates the FCRA law that States, the bureaus have a responsibility to respond to consumers in a timely manner. This has caused my credit score to decrease and has caused stress and hardship on my family.I am I n the process of shopping for a home loan and have been denied credit.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-12-20
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 — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (WI)

I sent all three credit bureaus a certified letter to investigate this Navy federal cu hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while XXXX and Experian report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while XXXX and Experian report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
XXXX and Experian : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried on 2 other occasions to get TransUnion to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}
Consumer complaint received 2018-12-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

The debt if Toyota Financial Services on a XXXX XXXX XXXX that was driven over the lease allowed mileage. 
I was led to believe that if I leased another XXXX the over mileage would be forgiven. 
I leased a XXXX XXXX XXXX XXXX for 3 years but Toyota has continued to harass me. 

XXXX XXXX XXXX The most recent call was from XXXX XXXX XXXX whom I have told repeatedly not to call me that this is not my debt.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (GA)

The following items are not mine : XXXX XXXX XXXX Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX  XXXX - Opened XX/XX/2018
Consumer complaint received 2019-09-11
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: AMERICAN HONDA FINANCE CORP (CA)

I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase