davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (IL)

I am writing to request a reinvestigation of several accounts on my credit report following my previous dispute with your agency. The accounts in question are not being reported accurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request a thorough reinvestigation by your agency for the following issue : 1. 
The collection agency is attempting to collect a debt that is 5 years old, which is illegal in the state of Illinois due to the statute of limitations. Furthermore, this agency has failed to validate the debt despite multiple requests on my part. I am concerned about how your agency was able to verify this debt when the collection agency could not. 
NAME XXXX XXXX XXXX XXXX ACCOUNT : XXXXXXXX XXXX  AMOUNT : {$1300.00} IF this account can be verified, I am requesting full and proper documentation, If not this must be DELETE from my Report Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX. 
I have no record or knowledge of missing any payment with this company. There is no evidence on my end that I missed any payments. How can it be explained that this account was paid for and closed, yet still shows a late payment for the last month? This discrepancy is causing significant confusion and indicates an inaccuracy. 
Name : XXXX XXXX XXXX XXXX  Account : XXXX  Amount : {$10000.00} UPDATE THIS TO PAID AS AGREED Inquiry : The following inquiries have not been authorized by me, I have never contacted the following lenders. I request an IMMEDIATE REMOVAL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (NC)

in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC (TX)

I have received numerous phone calls and postage mails claiming they intend to collect on a debt that should not exist. This bill is from DEBT CO LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX, their Reference # XXXX. I have repeatedly informed these people that I am a XXXXXXXX XXXX XXXX and that the XXXX XXXX is the identity that needs to be billed for my medical bills. They keep telling me they will pass the word to their co workers, but I keep getting calls and letters from them. I have constantly informed them that this will affect my credit rating and that hey should be held responsible for that because I have already given them the information to get this resolved, but they have failed to properly do their job.
Consumer complaint received 2024-07-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX XXXX XXXX Date To : Macys XXXX Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Attn : XXXX XXXX Executive Office Dear XXXX XXXX, My name is XXXX XXXX, and I am writing to address the ongoing issues with my Macys credit account ( Account Number : XXXX ). Despite multiple attempts to resolve these matters over the phone, I have not received the necessary assistance to correct the inaccuracies on my account. 

XXXX. Disputed Charge and Lack of Support : I have called Macys customer service many times to dispute a charge of {$31.00} and address other concerns. Each time, the representatives were either unwilling or unable to assist me effectively. Macys should have records of these calls to verify my repeated efforts. 
XXXX. Late Fee : I acknowledge the late fee of {$31.00} charged on XX/XX/year>, and its subsequent credit on XX/XX/year>. However, this does not resolve the main issue of incorrect reporting. 
XXXX Credit Reporting Inaccuracy : My account was reported as 30 days delinquent in XX/XX/year>. I have consistently disputed this information, stating that payments for XXXX and XX/XX/year> were made but not properly applied to my account. 

Additional Impact : Due to this delinquency on my credit report, my auto insurance increased to {$330.00} per month. This has been a significant financial burden. 

I request that Macys conduct a comprehensive review, including the phone call records, and correct the inaccuracies on my account. Additionally, I request the removal of the disputed by consumer note from my credit report once the issue is resolved. 

Additionally, I do not want any Macys advertisements sent to my apartment. 

I hope to resolve this matter amicably and promptly. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WY)

I am 16 days late on my payment and Ally will not allow me to make my payment. I can not make it online, it requires me to call. When I call the number listed, I get people in a foreign country to struggle to speak XXXX. Nobody can help me make the payment and I am volleyed from person to person who can not help me make the payment. Each time I am asked for a litany of the same information. I am over 2 hours into trying to make my payment and still can't on the phone and still can not online because the payment is XXXX  days past due. This is predatory lending when a person is trying to make the payment and they will not let you do it online, and will not help you on the customer service line.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CL Holdings LLC (FL)

On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but XXXX has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with Jefferson Capital and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I believe I am caught in something called a " yo-yo '' deal and possible purgory or forging of my signature. 

on the XXXX of XXXX, I went to XXXX XXXX XXXX Mazda XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to see if I could trade in my current car on loan for a new one, to assist me in my monthly payments. 

They told me they could put me in a new mazda XXXX lease with better terms and would payoff the old car they requested payoff information from Mazda Financial Services, and had me sign and I got the new car, leaving my old one they were supposed to payoff with them. 

this information ( payoff quote ) was incorrect. I was told to come back after a couple days to sign on the new ( changed ) deal ... the new deal was {$200.00} a month higher ... they ran my credit again. I refused and then they told me the have sold the old car already and that they can not return it... 

I pulled out the app for my mazda and it showed the location as still being with them. catching them in the lie.

they pressured me into signing again with the even higher monthly payment. 

two weeks after this they called me again asking me to unfreeze my credit report so that they can change the deal to the correct one, they state that mazda financial services told them to do this. 

I called mazda financial services and they state no such thing. 

I am stuck in a yo-yo deal where I am paying for 2 vehicles.
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all 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 XXXX 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

On todays date i checked my credit score. Its says that my balance with Mohela has increased, which makes no sense because I have never missed a payment. I know my account was transferred recently ; I would like the marks on my credit removed. 

Also, I have not contacted Mohela about the problem because 1. I have better things to do with my time then waiting 4 hours on hold. 

2. None of reps can ever help anyways please address
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (PA)

My credit was ran without authorization. I went through the no credit chick pre-approval process and wasnt offered any credit product so I did not proceed to apply for a credit card that I knew I would get denied.
Consumer complaint received 2022-02-15
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

In XXXX of XXXX I received multiple dubious charges for " cosmetics. '' These were for {$99.00} on XX/XX/XXXX, {$99.00} on XX/XX/XXXX, and {$190.00} on XX/XX/XXXX. 

I called on XX/XX/XXXX with concerns about these charges. I indicated I did not authorize the charges, and that they were fraudulent. I was instructed they would be changing my credit card, and assured they were taking care of the charges. I was not told I needed to follow up on any online site to ensure my chargeback went through, I assumed because they were obviously fraudulent. 

The charges were indeed reversed and I went about my business. 

On XX/XX/XXXX, I was troubled to find out that the charge for {$190.00} had been reversed and I was again charged for this fraudulent sale. Apparently there was a " message center '' that was used to contact me about additional information. This should have been unnecessary - as the paperwork was obviously fradulent and used a fake email, claimed that I was using a pakistani IP address to make the purchase, and invented a fake email for me. 

During the time that this " message center '' request was made, I had logged into the citi.com website and logged in to make a payment. At no point was I given any indication that I needed to follow up on my fraud chargeback. In fact, from what I can see the message center is inaccessible from the mobile citi.com website that I use for the Costco credit card to pay bills. No attempt was made to call me or send me a letter in the mail. 

I called and explained, again, that I had never purchased cosmetics, ever, on this card, that the information used for my email was fake, and that I did not authorize any purchase. The individual I spoke with told me they would reopen the investigation. That seems to have ocurred, but my charge is still showing on my account. I was not given a timeframe. 

I emailed that same day ( XX/XX/XXXX ) to the email address provided for chargebacks with a good deal of information on why the " evidence '' supplied by the criminals in this matter should never have been accepted given some obvious problems ( IP address in XXXX, fake email address, didn't actually list a product, etc. ) I called today ( XX/XX/XXXX ) and was told that they would not remove the charge from my account during the investigation. The invidual claimed it would take up to 60 days to get a resolution. I pointed out the dubious nature of the evidence provided and the rep. from citibank security refuesed. He also refused to escalate my complaint to a supervisor. Supposedly I will get a call but I don't trust it will happen.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

With EdFinancial moving websites, they prompt users to create a new account in order to access their loan information and make payments. The problem is that when I attempt to create an account, the website brings me to an error page and simply tells me to try again later. Despite trying again the next day, the problem persists and I'm no step closer to accessing any loan information from the servicer or being able to actually make a payment.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX