davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

This is the letter we just mailed to ALLY Financial. 

As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. 

This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. 

We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. 

Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. 

Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP (KY)

Iam on social security and I receive {$430.00} social security and in XX/XX/XXXX I received a check in the mail for {$2700.00} Now its {$5000.00} with 40 percent interst rate XXXX XXXX. I thought it was fake but the bank cashed it. they actomatically withdrew {$140.00} than the next month I have been going with food and late on my bills during Covid 19 I paid until I idnt have the money, they kept calling, and let me skip one payment than they just sent court papers asking me to send them proof of why I cant pay them are they will send me to Jail Im so so afraid please please help me. I have been in the hospital XX/XX/XXXX for an XXXX.streesing on how to pay my bills, they have calledme and I dont have the money my electric bill is {$600.00}, and water bill all bills are behind, and they are going to have me locked up over a check I nevr applied for are had anything to do with accepts think it was help with bills.the collection comp is XXXX, XXXX XXXX  XXXX, XXXX XXXXAttorney XXXX XXXX XXXX # XXXX XXXX
Consumer complaint received 2021-05-07
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. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that an account that is part of Identity theft and that was removed last month came back on my report alleged account XXXX, so I am asking to please remove it from my credit report, they remove it once, so why they brought it back if the account does not belong to me?
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

Lending Club is reporting to Credit Agenies that I have missed payments in 2020. This has happened in XXXX and XXXX. Each time I called XXXX XXXX to informed them of the incorrect information, they correct it and resubmit correct information to credit bureaus. It happened again in XXXX. I reported to XXXX XXXX on XX/XX/XXXX and emailed them screenshots as proof it happened again. I called Lending Club to follow up on XX/XX/XXXX to followup. I was informed that the ticket was still open and to follow up on Friday. I called today XX/XX/XXXX to follow up and still nothing has been done. In the meantime, I have been denied credit because of their error. I am also concerned why this continues to happen as well as, its preventing from applying for additional credit for fear of being denied or given higher rates.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (PA)

I joined a Debt Solutions company XXXX XXXX XXXX on XX/XX/XXXX - I added all my creditors to this company including Barclays card ending in XXXX the amount of {$9300.00}. On XX/XX/XXXX XXXX and XXXX XXXX, XXXX. Debt Collectors took over the Barclays Bank Delaware account. 

This was taking over by debt collectors from XXXX XXXX XXXX XXXX XXXX took over this account on XX/XX/XXXX and the account number was switch to account number ending XXXX and the amount of {$9300.00}. 

The agree settlement amount was agree to {$4300.00} and last payment was paid in full on XX/XX/XXXX. 

I finished with my debt solution company was called XXXX XXXX XXXX now XXXX XXXX XXXX to settle and pay off all my creditors on XX/XX/XXXX. 

Barclays Bank Delaware is claiming I still owe them over {$9000.00} and that they were never paid anything from the debt collectors that over this account and even cause the account number to switch in the end. This is causing a negative effect on my credit score from an account that was settled and paid.
Consumer complaint received 2022-04-07
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. (CA)

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Consumer complaint received 2017-12-21
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. (AL)

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted Transunion via phone and letter about the issue of a car dealership accessing my credit report without my permission. They have refused to remove inquiries from my report. The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX As a matter of fact, representatives have lied on several occasions about the process for the removal and I received differing information from different representatives.
Consumer complaint received 2017-12-21
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. (AL)

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AE)

On XXXX, I logged into my Chase account to wire money to a brokerage. I am active military deployed. After placing two wire requests, I noticed the first was successful while the second triggered a review. 

Wanting to get ahead of the problem, I called into Chase. After a 30 minute hold, I worked with a CSR to verify my identity through confirming my details and providing information from my debit card. After this was complete, I was assured the wire in question would go through within 20 minutes by the end of the business day. I let him know I was deployed and he made note of that in my account. 

A few minutes later, I received notice of a message on my phone that I needed to call into Chase to verify account details. I was placed on another hold but this time, it was 45+ minutes. After picking up, the CSR had me go through another battery of questions, this time from my public records. Upon going through this, the call dropped and the CSR made no attempt to connect with me again. I am now being subjected to another 40+ minute wait. 

I then noticed my Chase account to be locked to 'protect me from suspicious activity. ' I then got an email that my wire was cancelled. This was been an extremely poor experience and it is clear to me that Chase simply does not care. They will waste time and pose extreme inconvenience to deployed Soldiers without any consideration or concern of consequence. 

So as I write this, it is my hope that after 150 minutes, and despite being proactive upon seeing a review triggered, I will have the chance to resolve a simple task of verifying my identity and not to be treated like a criminal.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

They are calling my work for a bill I don't owe. I asked for proof of a bill but they won't send anything. I have told them repeatedly to stop contacting me at my work number and they continue to call.
Consumer complaint received 2022-04-07
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: Verisk Analytics Inc (FL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Integrated Recovery Services (MI)

I received two phone calls one from a young lady indicating that she works for XXXX XXXX XXXX and a process servicer came to my mom 's house to serve me for a civil suite . She told me to call XXXX and speak with XXXX as she was handling my case # XXXX XXXX indicated that a Notice of Demand from XXXX now XXXX XXXX . She did not inform me that she was a debt collector attempting to collect a debt. Furthermore the debt she is attempting to collect is from XXXX and was discharged in my XXXX bankruptcy.
Consumer complaint received 2024-02-27
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. (CA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX ; Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2022-04-07
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: LEXISNEXIS (FL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In my credit report, show an account, it's not my, is Bank Of America, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I am divorced as of a year ago in XX/XX/XXXX, filed chapter XXXX  bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both Equifax and XXXX credit reports after having been removed from bankruptcy, talked with XXXX, not easy to get this task done, also emailed Equifax but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I never requested for an extended fraud alert to be added to my XXXX, Experian and XXXX XXXX credit report. I do not want a extended fraud alert or any fraud alert on my XXXX, Experian and XXXX XXXX credit report.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Apparently I see that you have not fixed the problem of my account where they are charging me 2 times for mattresses order # XXXX that I bought XX/XX/2017 3 years ago so I have no choice but to take action against you because that is missing of respect towards the client. I'm sorry but I already took legal measures against you
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

There is incorrect information on my reports with Equifax pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.
Consumer complaint received 2022-04-07
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-07
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. (TX)

In response to 1st complaint ID XXXX. In the letter response sent by XXXX XXXX they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my XXXX payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX
Consumer complaint received 2020-10-26
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. (IL)

I never received any correspondence from XXXX, XXXX  and Experian from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything