davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. Capital One Auto Finance/ Capital One placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. Capital One could have used the first inquire as it remains available in the system for 30 days. I was preapproved through Capital One  and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Consumer complaint received 2024-11-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

TJX Rewards ' credit card, issued by Synchrony bank, began charging me {$1.00} per month for the privelege of receiveing a paper statement so that I know how much and when to pay my bill. This is unfair. My husband needs these statement to pay the bill since I am retired. I tried to ask that I not be charged for paper statement fees, but the company refused. I did get a credit for the last 3 statement fees that I was charged when I complained, but was told there is nothing they can do about my situation unless I wanted to cancel my credit with them. I know it's there company and credit card ; they encourage me to use it. I pay at least the minimum amount due each month. They charge 34 % interest for outstanding balances ( YES! I said 34 % even though interest rates have started to come down ). 

I feel charging a statement fee on top of such high interest rates is unconscionable.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (FL)

I submitted a dispute letter to SafeRent Solutions , LLC. on XX/XX/XXXX. I noticed inaccuracies on my consumer report through SafeRent Solutions.

As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. 
Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that " assure ' means 'to make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i.

3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b.

4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. 

Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items XXXX XXXX disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication
Consumer complaint received 2024-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I have an account with Wayfair and fully paid my balance. Now they sold my account to a different account without my written agreement. If I owe this money, I want the original purchase agreement, payment history and my signature agreement to sell out my account to a third party?
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank ( " Sychrony '' ), on behalf of My Lowe 's Rewards Credit, charged a late fee in the amount of {$41.00} ( " Late Fee '' ) on XX/XX/XXXX and XX/XX/XXXX ( likely other days as well ) to my account. My payment is due on the XXXX of each month, but Synchrony charges the such Late Fee on the date the payments are due regardless if I made a payment on or by the due date that was not processed by Synchrony until the next business day. 

Synchrony waived the fee on XX/XX/XXXX, but not the Late Fee charged on XX/XX/XXXX.
Consumer complaint received 2024-11-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

This letter is sent in response to a letter I received on XX/XX/year>. I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

Credit Management LP XXXX XXXX XXXX, XXXX XXXX Piano, TX XXXX Placed a debt ( XXXX XXXX / XXXX ) that has been paid in the Credit Bureau. 
I called to inform them that bill had been settled with XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX, NY XXXX The customer service person didn't want to hear it and placed me on mute.
Consumer complaint received 2024-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XX/XX/year> I called Credit Acceptance finance company whom our vehicle is financed through to discuss changing the due date. I requested a due date change because of financial hardship and being XXXX. I was told that their company doesn't offer to change to due dates but could offer a promise to pay option but it comes with " late fees. '' I asked how could they charge late fees if they don't offer a change of due date for any circumstances? Still no assistance in making it more convenient to not absorb late fees and pay on time. To my understanding this practice can be adopted but its extremely rare. Ive never had a finance company tell me we couldn't switch our due dates due to circumstances arising. Ontop of that when we got the vehicle we were deceived into paying at least {$4000.00} more than the market value which caused us to be immediately upside down in our car loan out the gate. The dealership ( XXXX XXXX ) never fixed what needed to be repaired when asked in the midst of purchasing the vehicle. The salesman kept lying saying he had someone to repair only to keep being brushed off and time going by leaving us with that cost as well. They both assisted in this financial hardship of the car loan. It's one thing to make commission, it's another to take advantage of customers whom are ignorant to certain details.
Consumer complaint received 2019-11-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I have filed FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT, REFERENCE NO XXXX regarding DEPT. OF EDUCATION ACCOUNT XXXX appearing wrongfully, solely on my EQUIFAX CREDIT REPORT.I HAVE NOTHING TO DO WITH THIS LOAN, OTHER THAN THE FACT IT IS APPEARING ON MY CREDIT REPORT.IT IS NOT MINE.I NEITHER APPLIED NOR RECEIVED ANY BENEFIT. 
At this time there have been a combination between 15 and 20 disputes to Equifax and complaints with the CFPB TO EQUIFAX..BOTH THE FURNISHER AND REPORTING BUREAU ARE NEGLIGENT AND DESERVE SEVERE PENALTIES TO BE OBTAINED BY THE CFPB..NEITHER THE FURNISHER NOR THE BUREAU ADHERES TO DODD-FRANK OR THE FCRA REGARDING THIS ITEM.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXXXX/XX/XXXX, Wells Fargo called me and denied my claim for a fraudulent XXXX  Transaction of {$3600.00} to payee from XXXX XXXX XXXX XXXXXXXX XXXX. Some one from Wells Fargo, located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone called me in XXXX minutes just to say I or Someone had my authority made the XXXX  transaction and that not their fault. 
XXXX. I called Wells Fargo on XX/XX/XXXX immediately to report of UNAUTHORIZED BILL PAY TRANSACTION made on XX/XX/XXXX and still pending. 
They said that electronic can not be stopped. 
And they claimed that they could not set up a conference call with the payee. 
They just let it go. 
XXXX. I report at the same day on XX/XX/XXXX the second time to close the Checking Account ending in XXXX. And the representitive on the phone create a new Checking Account ending in XXXX then transfered all my money to XXXX account, also offered to give free new Check Book. 
At that time XXXX XXXX transaction still pending. XX/XX/XXXX I checked new account ending in XXXX still had all my money. XX/XX/XXXX unauthorized XXXX XXXX XXXX delievered. I lost {$3600.00}. 
They lied about the delivery on XX/XX/XXXX. 
They did not contact the XXXXXXXX XXXX and the payee to have a conference. 

All Wells Fargo tried to do is sending out letters everytime for every claim that " The transaction was made through a secure online banking session by you or someone who had authority and that no other processing error occured. '' The question is how to protect consumer? 

Please help me. 

Thank you very much.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-19
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. (FL)

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.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-11-12
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: Freedom Mortgage Company (CA)

WE HAVE MADE NUMEROUS CALLS AND HAVE SENT NUMEROUS EMAILS TO FREEDOM MORTGAGE IN AN EFFORT TO FIX AN ERROR ON OUR CREDIT REPORT DO TO A PAYMENT MEANT FOR FM, BEING SENT BY OUR ONLINE BILL PAY TO THE WRONG LENDER IN XXXX, THAT WE HAVE ON ANOTHER PROPERTY. WE DID NOT EVEN KNOW OUR MORTGAGE PAYMENT TO FM WAS LATE UNTIL WE GOT OUR FIRST NOTIFICATION FROM THEM VIA MAIL ON XX/XX/XXXX AND WE CALLED AND PAID THEM IMMEDIATELY BY PHOBNE. BY THEN THEY HAD UNKNOWN TO US, ALREADY REPORTED US 30 DAY LATE WITHOUT ANY DUE DILIGENCE TO CONTACT US AT OUR PHONE AND EMAIL THEY HAD ON FILE. WE PROVIDED PROOF OF THE ERROR, HAVE MADE NUMEROUS CALLS TO THEM AND THEIR ESCALATION DEPARTMENT, AND TRIED UNSUCCESSFULLY TO REACH AND GET A MANAGER OR SUPERVISOR TO HELP US,. WE DID OUR PART BY PROVIDING PAPER PROOF OF THE ERROR, PAYING EVERYTHING CURRENT ON XX/XX/XXXX FOR THE ACCOUNT THE SOONEST FM REACHED OUT TO US VIA LETTER DATED XX/XX/XXXX, AND HAVE EVEN EMAILED EXECUTIVES WHO'VE ALL IGNORED US. THEY'VE DONE SIGNIFICANT DAMAGE TO OUR CREDIT REPORT AND HAVE TREATED US POORLY IIN THE PROCESS. THEY SIMPLY NEED TO DO THEIR PART, AND REMOVE THE 30 DAY LATE FROM OUR CREDIT, GIVEN THE ERROR REPORTED AND PROOF OF THE CIRCUMSTANCES WE'VE PROVIDED. WE HAVE HAD NO CHOICE BUT TO CONSULT AND WILL PURSUE FULL LEGAL ACTION IF WE CAN'T GET THIS ERROR THAT THEY CAN EASILY FIX, REMOVED FROM OUR CREDIT. OUR ATTORNEY HAS SENT THEM A LETTER WHICH SO FAR, WE HAVE HAD NO RESPONSE ON. THANK YOU, XXXX AND XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

I am writing to address multiple unresolved issues with the information on my credit report in PROCOLLECT , INC, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My date of birth is XX/XX/1997. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), PROCOLLECT , INC is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, PROCOLLECT , INC is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect PROCOLLECT , INC to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.