davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

I have repeatedly attempted to contact the company Ally Auto XXXX about my auto loan. My loan is past due and I do not want to default. When I call their automated system and attempt to speak with someone almost every time I call I get rerouted through the phone queue and asked to renter my account number or social security number, then when I do Im put on a hold to wait to speak with someone and then after holding for so many minutes the call either goes back into the queue and asks for the same information or I get hung up on by the automated queue system. I advised several agents that this is happening and its not been fixed. There seemed to be no or limited US-based agent support. Everyone I talk to is offshore support outside of the United States and this is not helping with my situation as there is language, business knowledge, and a general understanding of how financial institutions and services work in our country by persons that do not live and do business in the United States. I need help and can not seem to get it. Please help me come to a resolution with Ally in regards to getting my account back on track and an extension agreement in place and a good point of contact in the United States to work with to ensure my account is handled correctly.
Consumer complaint received 2024-03-11
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. (NY)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent TRANSUNION 3 letters in regards to the following accounts and have also stated the violations that they are in, XXXX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE TRANSUNION DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX XX/XX/XXXX - # XXXX 2. XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XX/XX/XXXX - # XXXX 4. XXXX XX/XX/XXXX - # XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XX/XX/XXXX - # XXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9.. XXXX XX/XX/XXXX - # XXXX 10. XXXX XX/XX/XXXX - # XXXX 11. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 12. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XX/XX/XXXX - # XXXX 17. XXXXXXXX XXXX XXXX  XX/XX/XXXX - # XXXX 18. XXXX  XXXX XX/XX/XXXX - # XXXX 19. XXXX  XXXX XX/XX/XXXX - # XXXX 20. XXXX XX/XX/XXXX - # XXXX 21. XXXX XX/XX/XXXX - # XXXX 22. XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XX/XX/XXXX - # XXXX 26. XXXX XX/XX/XXXX - # XXXX 27. XXXX XX/XX/XXXX - # XXXX 28. XXXX XX/XX/XXXX - # XXXX 29. XXXX XX/XX/XXXX - # XXXX 30. XXXX XX/XX/XXXX - # XXXX 31. XXXX XX/XX/XXXX - # XXXX 32. XXXX XX/XX/XXXX - # XXXX 33. US Dept of Ed XX/XX/XXXX - # XXXX 34. US Dept of EdXXXX XX/XX/XXXX XXXX # XXXX I did not GIVE my explicit written permission to TRANSUNION to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Consumer complaint received 2022-05-18
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. (NV)

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 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related 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 2022-05-18
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. (NV)

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 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed unauthorized inquiries on my credit report. Someone must have applied for something in my name. I contacted the company and they have no record of the application or inquiries. According to the Fair Credit Reporting Act, legally these unverified and unauthorized inquiries must be deleted.
Consumer complaint received 2022-12-16
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. (IL)

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX # XXXX, has violated my rights, XXXX XXXX XXXXXXXX # XXXX, has violated my rights, DEPT OF EDUCATION/XXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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
Consumer complaint received 2016-04-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

Second complain I have been trying to resolve mortgage escrow act since XXXX, XXXX after previous issues with lender ; my loan amount was corrected on XXXX XXXX, XXXX and current ; now after trying to resolve an escrow dispute lender has decided to avoid correction previously made and increment my loan amount for amount I do not owed.
Consumer complaint received 2022-12-16
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. (IL)

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Consumer complaint received 2022-12-16
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. (IL)

I have an inquiry that is fraudulent someone else did it and I tried removing it from the credit bureau and they wont do it. The inquiry is XXXX XXXX XXXX XXXX. The address is XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX. The telephone number is XXXX. 
The inquiry was on XX/XX/XXXX, XXXX
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (MD)

An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX/XXXX/2015 ) and I am having trouble getting credit card company Juniper/Barclaycard to remove the charge from my statement. I never authorized the charge.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY EXPERIAN FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. Experian gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " experian works '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-30
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: EQUIFAX, INC. (LA)

This is my second notification informing you that the following inquries are fraud At home XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have not applied to these companies. Delete this
Consumer complaint received 2022-10-13
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I also contacted XXXX  XXXX XXXX and then talked to their staff, and they agreed to remove the accounts from my file. I have already disputed these accounts several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these accounts. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (RI)

I contacted Discover at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to XXXX and associates in XXXX, MA to handle. I received an email from Discover that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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 is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2019-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

A response was received from Shellpoint Mortgage Servicing. The information provided to my complaint is in regards to contact information, i.e., service rep and Mortgage Service Provider phone numbers provided ... were false, misleading. In fact Representative and Shellpoint contact phone numbers were in fact business phone numbers for employees to receive voicemails. Furthermore, I was informed the representative assigned, no one by such name existed within Shellpoint. In my opinion this was a deliberate tactic to further delay my request. The response was also a third time try on CFBP attempt to get a appropriate response, only to have the third time try response provided, info was false, fabricated and deliberate to mislead the consumer. I thus STILL DO NOT have a point of contact to move forward.
Consumer complaint received 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-04-09
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. (CO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.