davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (TX)

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 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I went to the XXXX XXXX in XXXX XXXX XXXX and requested to cancel my service contract on a vehicle I purchased a few months earlier. I was aware that the pro-rated amount to be refunded was approximately {$5200.00} by my calculation. The finance officer had me fill out a single sheet of paper form and told me that the process could take up to 60 days. I asked why it would take so long, and he said that it was just the processing time and would not explain further. I then asked for evidence that the paperwork had been submitted and to receive consistent updates on the process. He did not provide proof of submission, but I took a picture of the form. Finally, he brought the form to a different person in the finance office and said to expect a call in around 2 weeks for additional information. After 3 weeks of no response, I began to call around 2 times per week. Occasionally, I would get to speak with a salesman who said he would pass along a message. This happened no less than three separate times with no follow-up. Often, I would have to call two or three times before I could speak with an operator who would transfer me to the finance department which never picked up the phone. There was no option to leave a voicemail. I called twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, thrice on XX/XX/XXXX, once on XX/XX/XXXX, once on XX/XX/XXXX, and once on XX/XX/XXXX. I finally decided to send a message to a salesman through the website and received a call later that day from a salesman who then told me that the process could take up to 120 days and offered no other update or compensation. It is now approximately 90 days since the first submission and I do not even know if the form was looked at, much less processed. 

I originally filed this complaint on XX/XX/XXXX, but it was not forwarded to the dealership. Thus, I am submitting the complaint again in hopes that the loan company can contact the dealership on my behalf.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Advance Centers of KY, Inc. (KY)

I totaled my car with my kids and needed to get a new car asap, so told them of the situation and didnt seem to care or want to work with me. The next communication I got from them, they threatened me with a felony and taking me to court instead of working it out with me because of my traumatic experience. They were always rude and tried to put up with it and this broke the camels back.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/2023 ; XXXX XXXX XXXX for {$10000.00}, XX/XX/2023 ; XXXXXXXX XXXX for {$12000.00}, and XX/XX/2023 ; Citicards CBNA for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OR)

I started a complaint the other day, but was using my cell phone, not realizing that you '' d need files for my case, now I'm at my computer. We own adjacent properties at XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the property in mortgage, XXXX is property I inherited. Like I stated before, my mortgage company has changed hands five times in the last few years. First it was XXXX for twenty plus years, then XXXX, XXXX XXXX XXXX, XXXX XXXX, now Fay Servicing.Never had an escrow until XXXX XXXX. Before XXXX XXXX put us in escrow, or monthly payment was {$1600.00}, after escrow it was {$1800.00}. But they put the wrong property into escrow, they paid the taxes for XXXX XXXX XXXX XXXX, not XXXX, we tried to tell them, but it changed hands to XXXX XXXX. We contacted XXXX XXXX and explained the situation and then they charged us escrow on both properties, my monthly payment went from {$1600.00} to {$2300.00}, charging me {$690.00} in escrow fees. We went around and around with XXXX XXXX, then it switched to Fay Servicing, we got a hold of them and again tried to explain what is happening, but we're still being charged for the two properties. I have all the documents, and I haven't paid a bill until we have this resolved and I currently owe according to them {$9500.00}. Hope there is someway to resolve this mess, because they are not listening to my complaint.
Consumer complaint received 2024-09-20
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. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-03-16
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. (HI)

In accordance with the Fair Creditt 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 Dept of Ed/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 that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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 2023-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

In XX/XX/XXXX  I called several times to resolve this matter to delete inaccurate names addresses employments off my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual to submit my name, address, employment, or phone number. Additionally, I have not given Equifax, XXXX, XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. The reporting of the inaccurate names, addresses, and employments has violated FCRA Section 607, which requires that only accurate information be reported in a consumers report. Per 15 USC 1692J No one may design, compile and/or furnish any form which creates the false impression that someone other than the creditor is participating in the collection of a debt. The use of these false names addresses employments are given false impressions. I am completely aware that each violation is {$1000.00}, I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has caused me. I will upload proof of my full name and my accurate address where I want all my disputes sent to the same address.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I filed a police report for identity theft of this apartment and sent it directly to procollect for a XXXX XXXX apartment in the amount of XXXX I have disputed this several times also and have contacted them directly letting them know it was fraud and identity theft they have not did anything but harass me and try to collect a debt that is not mine and they will not stop reporting it on my credit making it hard for me to found somewhere to live I have tried to communicate with them and I emailed them as well in XXXX i dont recall all the dates but I reached out
Consumer complaint received 2023-03-16
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: WELLS FARGO & COMPANY (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

BofA has an overly aggressive security system. It has been declining charges that are regularly recurring monthly charges, as well as one-time charges. I have sent BofA letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all without correction of the problem. I did receive XXXX e-mail that stated that BofA was " investigating my dispute '', but nothing else. I am self-employed and use this card for business. For the entire month of XXXX, XXXX, BofA has been denying a regularly recurring charge for XXXX, which has my website and generates business for me. XXXX threatened me with account closure on XX/XX/XXXX for non-payment, so I paid the balance due today with another credit card. When I changed the payment method, XXXX said that BofA has closed my account. BofA has not notified me of the account 's closure, and has no valid reason for closing my account. When I call BofA, the Security Dept rep says that the account can not be accessed by the rep unless the rep can text a code to my telephone number on file. My telephone number on file is the landline for my business- it can not receive text messages. So I can not tell the rep what the code is, and the rep says that he/she can not access my account. It is a vicious and ridiculous cycle. The telephone reps sound like robots, and state that it will not do any good to speak with a supervisor because BofA will not allow a supervisor to access my account either. The only remedy they can come up with is to go into a branch. We do not have a BofA branch in my county, and the reps tell me that BofA will not reimburse me for 4 hour ( roundtrip ) to another county just to go into a branch to prove my identity.
Consumer complaint received 2023-04-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

Disputes attached XXXX is reporting an alleged open date of XX/XX/XXXX while Experian is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute attached.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (TX)

I am disputing the accuracy of this charged off account ( XXXX  # XXXX ) reporting inaccurately multiple months after an account was closed. Re-aging a charged off account is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

According to the FCDA section 623, This is illegal. Once an account is closed the clause states that it can only reflect charged off or late UP TO the date that the account was closed. Therefore you are reporting Inaccurate information. Not only are you reporting unlawfully and illegally, you are also tarnishing my report that I will be seeking damages for if this problem isnt fixed. The Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information on my report or my authorization of release bearing my signature.

By the provisions of the fair credit reporting act, I demand that this item be investigated and REMOVED from my credit report. 
It is to my understanding that you will recheck these items with the creditor who posted these items. Please send me a copy of my credit report XXXX  # XXXX
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$130000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$22000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$56.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-01
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.