davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (KS)

I have paid 2 payments strictly towards principle on my auto loan and have been charged finance charges on both of them. I talked to 4 different people about it 2 before paying and 2 since paying. The first 2 assured me that it would be put towards principle and there was no charge for that. Then when I saw the finance charges I called back and they gladly fixed it. But I just looked at my account again this week and they have reversed the adjustment that they made ( no-one even contacted me to tell me this ) and now I have called back and the lady told me that I have to pay the {$10.00} fee on my XXXX payment and the {$26.00} fee on my {$76.00} payment. She told me that the calculate their finance charges everyday and that was why my fee was so high on the {$76.00} but I would never had made a payment if anywhere I was told that 30 % of it was going towards a fee. The lady I spoke with was not going to make an adjustment and could n't really even explain why I had paid so much in fees and why I had paid them period since they had fixed it at one point. I have made every other payment as scheduled in full every month
Consumer complaint received 2015-08-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (GA)

I found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.
Consumer complaint received 2016-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (VA)

A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (HI)

The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.
Consumer complaint received 2015-07-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MI)

Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.
Consumer complaint received 2015-09-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (GA)

I have started this process in XXXX XXXX and as I write this letter there has not been any resolution. My husband passed in XXXX of XXXX. He tried for a modification and he died before any resolution. So, I lost my job in XXXX XXXX, and been trying to keep up, but found it difficult and started the process XXXX of XXXX of modification and assumption which customer service representative stated I could apply for, and I find myself hitting the same brick walls.. In fact, today I received a letter from the mortgage company threatening to foreclose on my property ( demanding all monies due on the home ). Although, the customer service representatives are telling me and have been saying that I am applying for modification, not to worry. Every time I have called there has been a problem with what was sent, even though it is actually what was asked. In the beginning I did not call on a regular basis because I thought that the mortgage company was working on my file. The customer service representatives told me it could take a couple of months. But as time progressed I became concerned and begin to call and found out that no one was working on my file because the documents I sent had expired. One particular incident stands out to me :. So when I called to get an update, the customer service agent I spoke to this time stated that my P & L was not signed, so this is why no one has looked at your file.I was told that my P & L statement was n't accepted because I did not sign and date it. I had called at least XXXX times prior and no on ever told me that this was a problem. In fact, I had to send another P & L because customer service stated the last one was outdated and still no one stated that I needed to sign and date. Are you kidding me!!! And this has been the story until today. I am attaching a portion of the correspondence that has been sent to me during the process of apply for an modification. I think my documents should be reviewed in a timely manner and someone assigned to my account should send me an update on a weekly basis.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MI)

Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MA)

macys sent you and all XXXX credit reporting agencies a letter equifax has stated they verified all info and has put back 60 and 90 day late pays -- - you have the letter from XXXX saying they instructed the credit agencies to remove the delinquent payment history equifax has not done thishave written them sent them a copy of letter from macys but i guess there stupid people inclosed XXXX letter and credit report saying 60 and 90 day lates
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4.XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

There is a collection account appearing on my Equifax credit report that the reporting agency has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting Equifax to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted XXXX XXXX XXXX, the company that was reporting this collection account to Equifax , to find out why they had this erroneous information on file. A summary of the interactions I had with XXXX can be found in the attached XXXX file. Note that it was established in my first call to XXXX that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from XXXX on XXXX XXXX ; I was not home at the time, but returned the call at XXXX ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Meanwhile, I sent a letter to Equifax on the same day as I sent the letter to XXXX ; see the attached Equifax Statement.docx. This was to inform them that the collection account reported by XXXX was fraudulent and that I wanted them to add the statement contained within the letter to my credit file. In response to this, Equifax opened another dispute ( Confirmation Number XXXX ) and put a fraud alert on my account with them. The result of this reinvestigation was delivered today - see the Equifax Dispute XXXX XXXX XXXX XXXX screen shot of the first page of their report. Once again, Equifax is not acknowledging that this account is not mine and should not be listed on my credit report. In addition, the statement that I asked to be placed on my credit file is not there - the full reinvestigation results document included a version of my credit file as of XXXX XXXX, and the requested statement is nowhere to be found on it. [ Note : I did not submit the full document because it includes sensitive information like my SSN and, as a PDF file, is difficult to extract into another editable format that would allow deletion or redacting of the sensitive information. ] At this point, I feel like I have done everything I can to make this right with both XXXX and Equifax , but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get this resolved.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX. The account or debt do not belong to me. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX and XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives for the unauthorized and fraudulent account.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AZ)

I have spoken to several people at Equifax who have instructed me to send a police Report to have unauthorized Hard Inquires removed from my credit report. I have faxed over the documents multiple times and they still have not removed the unauthorized inquires. They have taken up hours of my time placed me on hold for 1 hour and 60 minutes or longer giving me the run around.. I spoke with XXXX NUMBER XXXX who told me my official Police Report was not acceptable yet it is an Actual approved Police Report. I spoke with XXXX - XXXX At Equifax who stated the same thing. XXXX - XXXX spoke to XXXX who then tells me she ca n't tell me who her supervisor is. At this point it has been 2 hours of me being on the phone.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MT)

I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-14
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: Westlake Services, LLC (NC)

In accordance with the fair credit reporting act XXXX account XXXX XXXX.has violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Consumer complaint received 2015-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NJ)

I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.
Consumer complaint received 2015-12-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (SC)

Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.
Consumer complaint received 2016-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

XXXX XXXX I was no longer a XXXX XXXX XXXX and I was having trouble paying my student loans. A few months later I applied for forbearance as well as an income driven repayment plan. On XXXX XXXX, 2016 I received a letter from Fed loans explaining that my application for administrative forbearance was approved. The approval was backdated to include the dates of XXXX The approval dates means that retroactive forbearance should apply to the late payments for the months of XXXX, XXXX and XXXX XXXX Based on this new information all XXXX credit reports should be updated to reflect the change. The late payments were accurate at the time, however based on this new information it should be updated. 
Based on 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 
All XXXX credit reports should be updated to reflect the new information.
Consumer complaint received 2016-06-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

When REPAYE was made available in XXXX 2015, I submitted my application to switch from the XXXX repayment plan to the REPAYE repayment plan. Since XXXX of last year, I have spoken with my student loan provider ( FedLoan ) several times to get enrolled. Each time I have called their customer service has assured me that I would be enrolled in the next month or XXXX, but now it is XXXX -- nearly XXXX months since I submitted my application -- and FedLoan still has not enrolled me in REPAYE. Earlier this month, FedLoan direct debited a much larger " accelerated '' payment ( as they called it ) even though my REPAYE application was being processed and I specifically called them to alert them to the scheduled direct debit.