davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX  XXXX Collection {$380.00} XXXX XXXX XXXX Charge-off {$220.00} XXXX XXXX  XXXX XXXX InquirXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Repossessions {$3200.00}
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2023 I was in an auto accident with the vehicle and the police towed the vehicle because it was inoperable. I was told by my auto insurer that I needed the police report in order to file a claim. Unbeknownst to me this info was incorrect. I filed a claim with my auto insurer. However, the day before my insurance company was due to pick up the vehicle Ally Bank, the finance company, repossessed the vehicle because they said the vehicle had been in the impound lot for more than 10 days. My insurance adjuster and I have called and emailed Ally Bank numerous times with no avail. Unfortunately, I have been hospitalized twice since the accident. I also have not been able to pay my XXXX payment and now Ally states {$2900.00} which includes XXXX 's payment, late fees, impound fees, and repossession fees. I was told that I had until XX/XX/XXXX to make this payment. When I asked about how I could get my insurance adjuster to have access to the vehicle so that it could be adjusted I was given another phone number and told that I needed to call them in order to give my insurance company access. Below is a list of names, emails, and phone numbers I have gathered from Ally since XX/XX/XXXX. 

Ally XXXX, XXXX XXXX XXXX and remarketing XXXX XXXX Ally Insurance claims XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX md XXXX, MD Phone : ( XXXX ) XXXX XXXX XXXX XXXX option XXXX XXXX department Total Loss request a release XXXX XXXX XXXX until XX/XX/XXXX Insurance dept XXXX XXXX Unfortunately none of these names numbers and emails have helped us with our issue. 

Please help Thanks
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NY)

I made payment of {$70.00} prior to first due date XX/XX/year> and the next day I got a text saying it was late so I made another of {$70.00}. When I got a other text I made another payment of {$100.00} a few days later. I got another text saying it was late so I called. The representative then told me I had XXXX returned payments. I was confused saying all my other payments were going through and I had plenty in my account to cover the payments and none had been sent to my bank so I didn't know why it wasn't going through. The full account number didn't appear on their payment page - just the name of the bank since the routing number was correct. I had the rep check the account number and we realized it was missing the XXXX in the last XXXX digits. She reversed the returned check fees and the late payment charge and I made a payment that day with the correct info for the bank of {$150.00}. She assured me it would not be reported to the credit bureau and I was in good standing with the company. 3 days later I got an XXXX alert of the late payment and the account was closed. Verve cc ( continental finance ) NEVER informed me that they were closing the account nor why. I called back and paid the account in full. I asked them to please correct the false information on my credit report since I never actually had any returned payments since they were never sent to my account and they told me they had no way of doing so. I also spoke to a supervisor who said the same thing. They told me I had to email the back office... Which I did twice with no response from them. I called again and asked for a phone number or an address so I could send a certified letter since they were not responding to my email and I was informed they don't have a phone number not an address to send mail. I have been working hard to improve my credit and I don't want this closed account nor late payment on my record due to a clerical error.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus Goldman Sachs closed my account and is delaying funds being transferred back to external accounts they finally returned XXXX to XXXX account but have not returned funds to XXXX account they are stating they can not return transferred funds from the account cause XXXX  is not a bank but they were able to receive the funds. They stated XXXX would have to put claim in for funds XXXX response is there wsd no errors made and Marcus Goldman Sachs can transfer funds back into account. MARCUS GOLDMAN SACHS WILL RESPOND ACCOUNT WAS CLOSED AND REQUEST COMPLAINT BE CLOSED BUT THEY WONT RETURN THE REMAINING FUNDS BACK INTO XXXX  ACCOUNT
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reviewed my consumer reports and noticed that I had one late payment on the account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included on the screenshot inside this complaint dates shown for ( XX/XX/2020. ) Capital1/Walmart account . Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided, I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. 


First let me say I am thankful for the opportunity to have established an account with your company, as you pretty much can tell by my previous stellar payment history! 


things were a bit rough and unfortunately, I fell behind. Now that those things are back to normal, my credit score took a hit with the late payments. Other companies gave me a courtesy late pay removal which has helped me and my family tremendously! So, I am writing to you as a goodwill attempt, to ask, would you be so kind to update the late payments on my account from the dates mentioned above. 



Yes, I have contacted the major credit bureaus and asked was this kind of thing possible and they advised that this request can be granted per as an identifiable event. 



I do greatly appreciate your efforts in trying to help my family and me.
Consumer complaint received 2023-05-29
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. (MD)

XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, has violated my rights. 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 an account without my written instructions. I have through investigated and made normours efforts to handle this situation,
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I spoke with XXXX with Agent ID at XXXXXXXX XXXX  on XX/XX/XXXX. I contacted Toyota Financial today to go over my payment history. I asked from my first date of delinquency. I noticed that there are areas where there is no data. 

Here is what I gathered from XXXX to the end of the loan. I already requested this in writing and it should be emailed to me in one to two business days. 

XX/XX/XXXX {$440.00} reversed then I paid {$1100.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$50.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} XX/XX/XXXX {$200.00} XX/XX/XXXXXXXX XXXX  {$200.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$100.00XXXX XXXX XXXX {$370.00} ( XXXX extension requests ) XX/XX/XXXX {$130.00} XX/XX/XXXX {$100.00} ( 2 extension requests ) XX/XX/XXXX {$180.00} XX/XX/XXXX {$300.00} XX/XX/XXXXXXXX XXXX  {$410.00} XX/XX/XXXX {$130.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXXXXXX XXXX  {$450.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment ( extension request 2 months ) XX/XX/XXXX {$1100.00} XX/XX/XXXX ( requested 2 extensions ) XX/XX/XXXX {$280.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$560.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXX {$280.00} XX/XX/XXXX no payment XX/XX/XXXX {$280.00} XX/XX/XXXXXXXX XXXX  {$280.00} XX/XX/XXXXXXXX XXXX  {$560.00} XX/XX/XXXXXXXX XXXX  skipped but payment made for XXXX XX/XX/XXXX {$1000.00}
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (SC)

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form XXXX signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP (GA)

AMERICAN HONDA FINANCE CORPORATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TO : HONDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to XXXX XXXX XXXX XXXX. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for my personal records. 

Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. 

THIS NOTICE WAS SENT TWICE : CERTIFIED MAIL RECEIPT NUMBER XXXX CERTIFIED MAIL RECEIPT NUMBER XXXX
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XX/XX/2020 Agreement was to pay out the door {$11000.00}. interest was included.

the loan shows this balance, Credit Acceptance claims that i agree to {$21000.00} which doesnt appear anywhere on the account. i also requested to see the original document of acknowledging for electronic signature process. all i got was a copy. i have provided the email that i received the day i created the account with credit acceptance and the one that the dealer gave me.

what is said in that lawsuit is what happened to me.

CFPB and New York Attorney General Sue Credit Acceptance for hiding auto loan costs, setting borrowers up to fail. 

Docket number XXXX
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NJ)

Couple months ago I checked my credit report I saw a lot of hard inquiries that Im not authorized I sent over my dispute letter to all the 3 credit bureau after couple weeks they sent me letter letting me know that they wont be able to remove them in my credit and I called all of them to asked why also I asked them to gave me prove with my original signature when I did that they dont have any prove, now Im hiring a lawyer for them to handle my situation. Also I see this information online that I can make a complaint for that. I saw all these inquiries I dont even know the company that did that in my credit report.
Consumer complaint received 2024-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm serious about suing your company for failing to investigate and remove inaccurate information from my credit report, as required by the law. I've repeatedly asked you to address the issue with the specified accounts linked to DEPT OF EDUCATIONXXXX, but you haven't taken any action, violating the Fair Credit Reporting Act. Please remove these accounts promptly, or I'll proceed with legal action.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I'm asking to fix an issue with my credit report related to an account with XXXX XXXX XXXX XXXX  Despite my attempts to verify and correct the inaccurate information with the credit bureaus and the furnisher of information, no action has been taken. According to the FCRA, I'm requesting the immediate correction of this disputed account entry as there's no proof of its accuracy, and it violates the law.
Consumer complaint received 2023-07-12
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Media Collections, Inc (OH)

I tried using an electronic service to transfer funds. The transfers were unsuccessful. No explanation why was provided. Based on the information it appears the card number used is incorrect. At the time of entry, I was not made aware of any issue. I was informed that the transactions had not been executed. I subsequently received a letter from the service that they are required to pay these charges to the party that I was trying to send them to. I have not been able to confirm if they actually paid these charges and I can confirm I did not receive them in my account. 

I disputed the charges but received no explanation or information on why the transaction were initially processed then rejected but never completed. 

The disputed charges were sold to a collection agency. The collection agency is trying to collect without any knowledge of the original charges or any explanation of the original transactions.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.