vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Insurance Fraud by Ally Bank : I leased a XXXX XXXX XXXX XXXX in XX/XX/2024 through Ally Bank. I was then involved in a collision in XX/XX/2024. 

At start of lease, the value of the car was approximately $ XXXX, and Ally Bank received a discount of XXXX for EV purchase, and only paid approximately $ XXXX for my vehicle. 

When my car was totaled 3 months later, and I asked Ally Bank to provide me a document with the balance on the car, they refused. Heres why : The valuation for my vehicle came back at $ XXXX, which is $ XXXX over the true market value per XXXX, and $ XXXX above what Ally paid for the vehicle. Upon reviewing the options included in the valuation, I called them to inform them that the valuation included options not actually in my vehicle ( Full Self driving which is an option I did NOT purchase through XXXX because it would have increased the purchase price by $ XXXX, and also my lease price ), and informed them that they accepted an exorbitantly inflated valuation. They apologized, but accepted the settlement anyway from my insurance despite knowing this mistake ahead of the payment. I filed a complaint with Ally Bank on XX/XX/2024 and no one has followed up, they could not provide me with a call back number, name of an agent, or email with which to correspond regarding this issue. 

I know that Ally Bank is involved in a lot of EV vehicle leases, and am concerned that this kind of fraud ( accepting higher valuations for software options not present in EV vehicles ) may be more widespread and is padding the balance sheets of Ally Bank at the expense of Americans insurance premiums ... AKA insurance fraud. EVs are much more likely to be totaled as the cost to repair them is typically higher, meaning more frequent insurance payments to banks in the event of a crash. The valuation should have raised some eyebrows considering EV values are depreciating at the fastest rate. How can an EV driven off the dealer lot 3 months ago appreciate more than $ XXXX? 

I tried to rectify this issue with them but it seems that they are dodging my complaints and are happy to keep money not owed to them. 

I have voice recordings of my phone calls with Ally Bank regarding this " error, '' of me informing them of the error prior to the insurance settlement payment and asking them to rectify the letter of guarantee to reflect a more accurate market valuation, which would be more consistent with the balance on the vehicle ( information they readily have ). I have not received any resolution to this issue and no one has reached out to follow up with an update on the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir or Madam : I was a victim of XXXX XXXX. There is information which appears on my credit report, is the result of that XXXX  that is not correct. 
Under XXXX XXXX. & XXXX ( XXXX ) or XXXX XXXX  under XXXX XXXX. & XXXX ( XXXX ) as required to qualify for certain adverse credit information to be blocked pursuant to XXXX C.F.R. & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I know from reading my credit report that you say I have a chargeoff which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.

Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity multiple times to CFPB and BBB for proof. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy immediately because we gave EQUIFAX XXXX XXXX multiple chances to make this right. 
Also, this account has previously been removed for fraud and re-inserted because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this negative item as well as compensation for the tremendous amount of time that this account has been reporting to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX Judicial Court has XXXX me access to my property and Bank accounts XXXX XX/XX/year> I requested immediate access to my property to Bank of America XXXX XXXXXXXX XXXX XXXX and XXXX provide False information with regards to my house home loan XXXX and refused to comply with the State of Texas XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX orders granted XXXX XXXX access to my property and Bank account. 

I provided Bank of America XXXX XXXX XXXX XXXX with all of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX decree orders and they respond with false information with regards to the court ordered temporary possession of property by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX... 

Please investigate the fraudulently scams false statements and XXXX Bank of America XXXX XXXX XXXX XXXX had provided and IRS XXXX XXXX XXXX IRS account fraudulently access by Bank of America XXXX XXXX XXXX XXXX that had contradictory information with regards my property and city along with government institutions financial crimes and information, theft, contempt to XXXX XXXX Texas Attorney XXXX XXXX and XXXX XXXX XXXX XXXX XXXX...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have had my account with Citi for multiple years. They recently changed policy to charge me {$15.00} a month. I called and requested that I be able to close my account. They told me that they considered by account inactive, and would charge fees against an inactive account but would not allow me to close it without visiting a branch. There is no branch in my region. They then said I could send them a letter to request the account be reactivated, then ask them to cancel. 

This seems like deliberate sludge to make it difficult for a consumer to cancel an account, when all the information they request is information that can be provided over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX FL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
I reached out to them because I was made aware that under XXXX XXXX who have XXXX  as a home of record has a provision that even if you incurred the debt after military service while or as long as you are serving on XXXX XXXX you are entitled to a reduced rate of XXXX XXXX I reached out to XXXX due to this and requested a reduction informing them other lenders have followed suit and realized I was entitled I would like to exercise my right. They went on to say oh XXXX  is only for those incurred prior to XXXX service and only on obligated installment contracts. I responded to them that no that is not the case for how XXXX law is written for XXXX  and active military that it was revised and XXXX entitled to reduced rate and they are refusing to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I purchased this car from XXXX XXXX XX/XX/year>, Wrong balance amount, This company remove all my good payment history. My warranty expires after three of purchase .This company is reporting false information on my consumer credit report and also is damaging my name. I will like for this account to be remove from my XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Re : XXXX I reviewed your response to my initial complaint and found it did not address a few items. Since filing my initial complaint I also received an inaccurate payment history ( which I never requested ). This inaccuracy is confirmed by your response and a letter I received on XX/XX/XXXX. 

My complaint once more. I received notification on XX/XX/XXXX that my loan was paid in full. I had not paid the loan off, so I called into customer service that day at XXXX XXXX because I saw an Adjustment on my account for the amount of {$93.00} bringing it to a XXXX balance. I also had a payment of {$50.00} scheduled to be made that day. The rep attempted to help me however could not see the adjustment on her end. I told her that I had a payment set for that day, and when I asked what would happen if I made the payment, and then later found out my loans had been paid in full ( for whatever reason ) I was told I would receive a refund for ANY overpayment ( I re-iterate this point. The rep did not or could not tell me the loan was written off, and told me any payment I made, if the loan had been brought to zero, would be reimbursed to me ). I then received a letter telling me that because the balance of my loan had been below {$100.00} for 30 days the balance had been written off. Had I known on that day the reason my loan was paid in full and that I would not receive a refund for any payment I made I would have CANCELED the payment.

Company response to consumer: Closed with explanation