davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I recently submitted a complaint against Ally Bank and this complaint has a lot to do with the first XXXX. 

In my previous complaint, I mentioned a conversation with a customer service representative named XXXX. Before that conversation with XXXX ended, I asked her if she could tell me the principle amount that was left on my auto loan. She could not find that information and transferred me to a customer service agent that could. Her name was XXXX and she refused to tell me what that principle amount that was left was! I explained to XXXX that it 's a simple interest loan which means that there is a finance charge that is tacked onto the principle amount. She said that the principle amount was {$14000.00}. I said that was the total amount left on the loan and again asked her what the principle amount was. She said that the {$14000.00} was the outstanding balance on the account as well. She would not answer my question and that was also very concerning for me. Ally wo n't tell me what the principle amount is, because if I pay that amount off first, they will lose out on the interest amount! XXXX said she would mail a letter explaining the loan ... it should be available on my online account but currently is not! 
I called Ally back, XXXX XXXX, 2016, at XXXX XXXX time XXXX I spoke to a representative by the name of XXXX. I asked him the same question regarding the principle amount remaining on my loan. He did n't have the answer and put me on hold and said that he would transfer me to someone who could answer that question. I was on hold for about 10 minutes before Ally disconnected the phone call. It appears that they do n't want me to know the principle amount owed because it is less than the {$14000.00} outstanding balance. And with a simple interest loan, if I pay the principle off first, Ally loses out on the interest. I know that there is a 6.74 % interest rate included in that outstanding balance. 
At that point, I was frustrated with Ally because here I am trying to work with them and it appears that they are trying to pull a fast XXXX on me. 
I need your help in resolving this issue. Ally was already found guilty of charging higher interest rates on minorities- which I happen to be- who applied for an auto loan and this is headed directly down that path. A simple breakdown on my loan is all that I 'm asking for. How much of the {$14000.00} is the principle amount? It can not be the principle and outstanding balance. The finance company for the last vehicle I bought, broke the loan down completely. The amount of the car, the interest rate, and the total dollar amount of the interest over the XXXX period. Surely Ally Bank can do this! Would you please assist me in finding out why Ally CAN NOT or WILL NOT provide me this information?
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (TX)

In XXXX or XXXX there was an unauthorized payment taken from our Ally bank account. We called and closed the account. We have not used the account since. We transferred all our auto withdrawals to the new Ally account. 
XXXX they close ALL of our accounts with them and report use to consumerdebit.com When I asked them why they said that we had an overdraw on XXXX account from XXXX. I explained that the account was closed in XXXX and they needed to research their records. They refused to help me further and referred me to XXXX. I am paid a decent amount every two weeks and there is no reason an overdraw would go unpaid. They did not close that account and are now destroying my finances and refusing to review their mistake. They said they contacted us but my wife works at home and never received a call or email.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX XXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. Experian still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Thought I was getting a Free Credit score. 
Website somehow charged {$1.00} I was then manipulated into signing up without knowing I was ordering a trial subscription. 
A few months later I noticed the charge on my CC. 
Since I never intended to order anything, I disputed. 
They agreed to cancel but refused to refund.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian refused to provide Credit Score to lender XXXX XXXX XXXX, whereby I was refused a Home Loan. In addition the dispute requests are not entertained, and refusing to remove incorrect items from my Credit File with them. Some of these items are have already been removed from my credit file with Credit Reporting Agencies.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NM)

I disputed this information because this was not my debt. I contacted XXXX XXXX services and I have a XXXX balance. This belongs to XXXX XXXX. The incorrect debt was removed from my credit on XXXX XXXX 2016. I recently just saw that this debt has been reinserted after it was deleted on XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I have subitted proof over 12 times in the past few years in regards to XXXX. which is XXXX for the amount of {$2300.00}. I have disputed this information and yet the item still remains. The apartment complex was paid directly XXXX XXXX and the property manager gave me a signed letter after receipt of payment indicating they received the full balance and my balance was XXXX. All the reasons I provided are BY LAW grounds to have it deleted and I am still dealing with the same issue. If this item is not deleted, I will be forced to use all avenues provided to me as a consumer if the credit bureaus do not abide by the laws governed and remove the items.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

I disputed the following erroneous information with this bureau directly. The majority of this erroneous information is because obviously my credit report has been merged with another XXXX XXXX and now my accounts are marked bankruptcy. 
1. XXXX XXXX XXXX - this account went delinquent for the first time in XXXX. The other credit bureaus have removed this however Experian continues to report the information. I have asked for a full payment history from the creditor and from Experian. Neither has sent me the same so how are we " verifying '' that this is accurate as reported. 
2. XXXX XXXX XXXX XXXX - This collections company purchased this account second hand from XXXX XXXX. They are claiming that the account was included in a Chapter XXXX bankruptcy in XXXX of XXXX. However this appointment with XXXX XXXX did NOT occur until XXXX of XXXX. Please request the original receipts or instruments bearing date of service. 
3. XXXX XXXX Bank - Acct. XXXX - this again is erroneous information that Experian claims to have verified. It literally says " debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX - HOW IS A DEBT INCLUDED A BANKRUPTCY that does n't exist. There is no bankruptcy in XXXX XXXX. And this account was n't included in a bankruptcy. 
4. XXXX accounts from XXXX XXXX XXXX. Same issue. These accounts are being reported as included in bankruptcy when I was NOT liable for these accounts, the insurance carrier was. I have also disputed these accounts and Experian continues to insist they have verified them. I am requesting copies of the instruments or any documents relative to the same. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX You can clearly see the inconsistencies in all of this information. And This refusal by Experian to adequately verify information is causing personal injury to me and my family. I have multiple times requested the documentation from Experian Credit Bureau and they refuse to respond. Please send the relative contracts or receipts bearing my signature.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, XXXX
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I took out a loan from XXXX XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

I am filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MS)

MY LAST LETTER TO EXPERIAN WAS WRITTEN ON XXXX XXXX, 2016. I HAVE NOT HEARD BACK FROM THEM. THEY NEED TO CORRECT MY PAYMENT HISTORY WITH THE XXXX CREDIT CARDS PER THE ATTACHED LETTER.
Consumer complaint received 2021-08-04
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. (TX)

This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, Equifax and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I have written three letters disputing all the items on my Experian Report. I have supplied Experian with the XXXX letter, title and attorney 's letter. I have attached copies of my dispute letter XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. Experian has failed to remove the negative entries on my credit report. I can be reached at XXXX ext XXXX.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have disputed the XXXX XXXX XXXX on all XXXX of my credit reports, since they were included in my Chapter XXXX Bankruptcy, and the Credit Union refuses to acknowledge that my account should be removed from my report ( It has been over 7 years ). Experian is the only bureau to refuse to remove it until 2018. ALL proof of my bankruptcy has been removed, but they said they would not remove it. I was warned by my attorney that the XXXX XXXX XXXX would deliberately attempt to create issues for those who have had to declare bankruptcy. Unfortunately he was correct. I have spent months cleaning up the discrepancies caused by the Credit Union, with only XXXX issue not fixed ; Experian 's report. Can you please ask Experian to co-operate and remove all the derogatory information from my report? I have been current on all my accounts for over 7 years now, and I very much would like to clean up my credit totally and move forward with our lives, financially. Thank you very much.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have been unable to gain access to my experience credit report so I can dispute an unverified alleged debt on my credit report. The company who posted this alleged collection account has not afforded me the common courtesy as required by law the ability to dispute this supposed debt and request debt validation. They just put it on my credit report. I hereby dispute this alleged account with berks credit and collection for {$70.00} dated XXXX XXXX 2016. I demand an investigation be performed and removal of this sccount.
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I moved in XXXX to a new apartment. Since my current internet service XXXX XXXX XXXX XXXX was not available at the new location, I paid off my what I thought was my last XXXX XXXX XXXX XXXX XXXX and canceled my service. A year later, in XXXX, I had to move again. This time I could n't qualify for my new apartment due to a bad credit rating from XXXX XXXX XXXX XXXX! Instead of mailing the bill to me, XXXX XXXX XXXX had sent me to collections for {$86.00}. I had no idea that the bill even existed. I had changed my address with USPS and I received other bills/correspondence in the mail at my new address, but XXXX XXXX XXXX never attempted to contact me. I was able to pay the {$86.00} and get a print out showing proof I had paid it off and I did get the new apartment. It is now XXXX, and I am moving again and what shows up on my credit report? A collections entry for XXXX XXXX XXXX still! I have my bill conformation from XXXX XXXX XXXX as proof I paid it off. I want it off my credit report!
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Experian is refusing to do an accurate investigation. XXXX XXXX company is reporting an inaccurate balance owed on the account. I disputed the information and in XXXX day Experian sent notification that info is inaccurate. Experian refuses to accurately report my information. They are a second rate reporting agency. XXXX is also reporting inaccurate information. I do not have a balance with them. I dropped coursework before the deadline yet they 're reporting that I owe nearly {$3000.00}. It 's as though consumers have no standing against companies reporting inaccurate info And the credit reporting agencies support this mess.
Consumer complaint received 2022-08-25
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. (CA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all XXXX credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

In XXXX 2015 Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them ), inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
The items XXXX XXXX and XXXX XXXX XXXX, are duplicates of the XXXX account being reported on my credit report. This double jeopardy '' The same account school loan account is reported multiple times, this is a FCRA violation. '' I am requesting that the items XXXX XXXX and XXXX XXXX XXXX be deleted ( or request another specific change ) to correct the information. 
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please re investigate these matters and delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Highlighted section of credit report that identifies the duplicate accounts
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I 'm still own my home and am current on my payments. I tried to dispute my Mortgage payments for 2015, but all XXXX credit bureaus denied my dispute, because I filed bankruptcy. XXXX XXXX refuses to recognize that my house was not included in the bankruptcy, because I did not REAFFIRM the debt. I RETAINED my house instead. Under Chapter XXXX. See, 15 USC & 1681i of the Fair Credit Reporting Act. I 'm allowed to report my payments once a year to all XXXX Credit Bureaus.