davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

Dear Ally Financial Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous XXXX late payment status from my credit report. 

On XX/XX/year>, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a XXXX late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with Ally Financial. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the XXXX late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust Ally Financial values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (WI)

XXXX XXXX, 2022 I called Bridgecrest to inform them that I had an emergency and would not be able to make the payment for that month. I asked if the payment could be applied to the end of the loan. I was informed that I'd need to cancel my auto pay and allow myself to become " past due '' and to call back. I called back after allowing my payment due date to pass, and was told there was nothing they'd do other than note the account and that I needed to make the next payment. My pay day came around, and I made the payment on XX/XX/XXXX however, it still will have me one month behind. I call again and ask if the payment can be deferred. I'm then told that extensions are approved on a case by case basis, and that I should not have made my payment. I was then told to yet again, call back later this month and ask again. I mentioned I'd complain to the CFPB because there has to be another remedy other than having the customer call each month. They then tell me they can offer a payment plan that would not get me caught up until XXXX, and would still accrue interest. I was transferred to a manager that reiterated that the only thing I could do was continue to call each month and ask, and it is up to them to decide if they will allow it.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, Equifax, XXXX are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, Equifax, and XXXX have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX COMPANIES, which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.
Consumer complaint received 2024-06-22
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. (TX)

A new fraudulent account has been reported. I am distressed over how easy things are reported with very little validation.. the account isnt mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ive never had XXXX. This is fraudulent and a violation of -15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report -15 usc 1681c-1 If you cant produce proof then Without consent its identity theft -15 usc 1681c-2 Block items reported as identity theft Also 15 U.S. Code 1681e ( b ) reads " 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. '' Equifax is willful aiding identity theft
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

My personal information was given to a person who stalks me and I have an active injunction against harassment on. The girls name is XXXX XXXX XXXX, her date of birth is XX/XX/year>. She posted my personal credit information online.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX Account Number : XXXX I am writing to dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding the account referenced above. The following discrepancies and omissions have been identified in my credit report : # # # Specific Issues Identified : 1. **Inaccurate Credit Limit : ** The reported credit limit for this account is {$0.00}, which is inaccurate. The correct credit limit should be updated.

2. **Missing Original Creditor Name and Creditor Classification : ** The original creditor name and creditor classification are not reported, which is required under TILA.

3. **Omitted High Credit : ** The high credit amount is not provided, which is essential for accurate credit reporting.

4. **Incomplete Account Dates : ** The date of last activity is missing, which affects the completeness of the credit report.

5. **Negative Available Credit : ** The available credit is reported as $ XXXX, which is not accurate and needs clarification. 

6.Inconsistent Reporting : The payment history shows non-consecutive and inconsistent reporting of delinquency statuses ( e.g., ND for several months and abrupt jumps to CO without clear progression ).

7 Missing Data : Several months lack any data, which affects the completeness and accuracy of the payment history.

8. Erroneous Statuses : The status changes appear abrupt and do not align with the standard progression of delinquency reporting.

These issues are in direct violation of the FCRA, specifically : - **Section 1681e ( b ) : ** " 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. '' - **Section 1681i ( a ) : ** " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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. (VA)

I reach out to Equifax and asked them numerous times to remove this XXXX  loan account that does not belong to me and they have made no attempt to do so. They continuously over the years keep resulting their investigation as it being accurate. I have provided to them documentation that the other bureaus have removed this information from my report due to the incorrect reporting and fraudulent information and they have still refused to comply to remove this information from my account. Now they have allowed this company XXXX XXXX  to report this account as a collection and dropped my score XXXX points. 

I have disputed this information so many times and I dont understand why it is still so hard for them to validate that this account is not mine. I provided police report, XXXX statements and every thing I can possible do as an identity theft victim and I am still being penalized.
Consumer complaint received 2024-06-21
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
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.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
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. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX : {$590.00}
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

Care Credit ( dental credit card ) On XX/XX/XXXX I noticed a charge from a security card fee of 50 % of my monthly due payment from synchrony bank. I called them and was told in XXXX that it was a one time fee for using the card, in XXXX was told it was a service for card protection I signed up for. I didn't sign up for this, I asked that it be cancelled, I was sent to another number it was cancelled via phone, I called back the syncrony bank to tell it was cancelled and they wouldn't refund my money. On XX/XX/XXXX the company took again a 50 % fee of what my payment balance was, I called again and was told it would take XXXX to XXXX payment cycles to cancel this and I would be contiually be charged on my card and look for a letter in the mail to my home in 60 days of reimbursement decision. I was lied to and told this was a 3rd party servicer once I took it to the top I was told it is actually a company under the umberella of syncrony bank. I expressed to them I do not authorize any more charges on this card and they would not comply. I so far been charged {$510.00} unauthroized charges. I was told to call back tomorrow when their affilate security card services is open. I will call put after months of deal with this I feel their is no choice but to file a complaint and hopefully get this resolved so I can move on and be protected and not charge fraudulant unauthroized charges and receive a refund of charges made and will continue to make according to this company for another XXXX to XXXX payment cycles which will put this total up to approximately {$76000.00} and growing. After dealing with Care Credit and supervisor 's I do not see them stopping charges or resolving this issue.
Consumer complaint received 2024-08-23
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. (IL)

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate and a constant reporting of collection every month is inaccurate and illegal? This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

3 months interest free lowes/synchrony financing. 

Paid on time XXXX. 

Loan total= XXXX Synchrony duplicated payments to take over {$800.00} from my account. 

Per credit services- {$490.00} in duplicate payments were due to be credited as of XXXX. 

Despite multiple requests for credit to be issued, it took 5 separate calls over a week for their finance department to contact customer service and do that. This was supposedly done XX/XX/XXXX, with apologies to my experience and statements that it is happening to many consumers. 

However, on XX/XX/XXXX their customer service department reviewed the account and could not find a payment issue.- they have sent me written documentation of such along with maintaining records of the calls Ive made XXXX 

Had they not stolen my money, I would have received a check today rather than a letter that I need to again call them.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX 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