davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (VA)

After reading 15 USC 1605, under the Truth in Lending Act and looking over the auto loan contract, written by XXXX XXXX XXXX and enforced by Ally Financial, I noticed there several items that were included in the finance charge that were not supposed to be. On XX/XX/2024, I sent the company an XXXX XXXX XXXX listing the violations present within my contract, as evidence, alongside the Notification of Rescission. I cited the codes in full detail and described the violations within the contract. This document was notarized. An example of one of the infractions is the nonobservance of 15 USC 1605a which states, " The finance charge does not include charges of a type payable in a comparable cash transactions. '' The contract that Ally Financial is enforcing has a charge for a gap addendum included in the calculation of the finance charge. On the contract for the gap addendum, it specifically states that, " ... .That your acceptance of this gap addendum is voluntary and is not required in order for you to obtain credit, does not impact your ability to obtain any particular or more favorable credit terms and has no effect on the terms of the related sale of the vehicle. '' However, the inclusion of the cost of this addendum was used as part of the calculation of the finance charge. The charge for the addendum would be paid regardless of the presence of a loan or not. 
Another example is again the violation of 15 USC 1605a, which states, " The finance charge shall not include fees and amounts imposed by third party closing agents if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. '' The calculation of the finance includes a processing fee from the dealership, XXXX XXXX XXXX. They would be considered a third party closer, because the dealership assigned their interest in the contract over to Ally Financial. Ally Financial doesn't require a processing fee for credit to be obtain through them nor do they retain the processing fee, that the dealership charges. That amount should not be a part of the finance charge calculation. Those are only a two of the examples from the document. I will attach a copy of the full copy of the affidavit as well as the bill of particulars, citing the evidence within contract. I sent this to Ally Financial to inform them that they were enforcing a contract that was not in compliance with XXXX, and that it would be grounds for the rescission of said contract. I heard nothing from Ally Financial is regards to this matter. In fact, my vehicle has been repossessed for none payment of a contract that was not enforceable based off of it multiple violations.
Consumer complaint received 2018-06-02
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. (FL)

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. XXXX, Equifax and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin general if, after any reinvestigation under paragraph ( XXXX ) 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- ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
- [ ] Please remove the following items from my credit report, immediately XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX Bankruptcy XX/XX/XXXX
Consumer complaint received 2018-06-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems ()

I took out a payday Ioan in XX/XX/2017 with a company call XXXX XXXX. A company called XXXX XXXXXXXX help is representing me. I have been making on time payments to them for several years to resolve this predatory loan. They have also been sent several cease and deceit legal documents forbidding them to contact me directly. They have called my employer and a threatened to serve me with legal papers. I told them that I would file a complaint it they contacted me again. They then called me on my cell phone and were extremely rude and aggressive. I had made every attempt to pay this loan back.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA XXXX The CORRECT Phone Number is : XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Bank of America credit card was charged from something called XXXX  and another company called XXXX XXXX Neither charges were mine. The fixed some of the XXXX XXXX charges along with the finance fees. I do not even have this credit card in my possession. The bank has been deducting finance and late fees and taken money from my checking acct to pay the monthly balance. They said to pay off the debt and close the card and I didnt want to pay for something that was not mine. 
I went to my bank in XXXX XXXX  who in turn told me to call fraud. 

I want them to take off my finance charges, late fees and the other charges that keep appearing on my statements. 

I have been struggling with this for a few years now. 

I am on hold for a long time when I call fraud. When I go to the bank I dont get anywhere either. 
My family is tired of this bank and wish to resolve this issue ASAP. 

Its frustrating when you e been with a bank for years and they arent helping me at all. 

They will not allow me to cancel this Bank of America credit card that I do not have.
Consumer complaint received 2022-11-28
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)

In accordance with the fair credit Reporting Act XXXX Account XXXX has Violated My Rights Account Name XXXXXXXX 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
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

We opened a business account with Chase on XX/XX/. 
We provided all the necessary information including a physical address for our office ( rental space ). 
A month later when we tried to use the debit cards- they were declined. When we called the Chase customer service line, they said that the account has been closed. 
We contacted Chase, who stated that after a few days of opening the account, Chase compliance team said they were not able to verify the physical address and tried to contact us. 
As they were unable to contact us to verify the account they closed the account on XXXX/XXXX/XXXX. 
The whole time we were able to log into the Chase portal and the mobile app and view our account but were not notified via the Secure Messages that there was an issue with our address. 
They said they emailed us and called us, but we did not receive either. We asked them for evidence of this - but Chase was unable to provide us with any documentation that this had occurred. Meanwhile we received many marketing emails from Chase trying to sell us more services/banking products, but they did not send us the most critical email needed. 
So the account was closed and could not be reopened. 
We had to open a new account. 
Chase neglected to inform us and, without providing any substantiating evidence, left us with doubts regarding the veracity of their claim that they had sent notifications. 
Meanwhile, they displayed a willingness to inundate our email inbox with unsolicited marketing messages.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I did a pledge Loan with XXXX XXXX XXXX XXXX, and they dropped my scores for no reason I lost XXXX points on Equifax. 

I need an explanation ; I haven't even made payments yet. 

I did a pledge loan for {$2000.00} dollars.
Consumer complaint received 2023-11-17
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: WELLS FARGO & COMPANY (CA)

Wells Fargo is not acting in good faith to fulfill my request to investigate my car loan. I paid my loan via their website. Due to a technical issue on their site my payment apparently never went through. Wells Fargo failed to notify me electronically of the 'late ' account until it was well past due and has now very negatively affected my credit score. I will file complaints with every regulatory agency I can until my credit score is adjusted.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I received an email from FNBO-Direct on XX/XX/ confirming they received my application for an account. I was given an application number. 
I had not opened or requested an account and thought it was a fraudulent email from a fake bank. I confirmed that FNBO-Direct is the First National Bank of Omaha-Direct and I that are an actual bank. I forwarded the email to their report phishing attempts believing I was sent a fake email from the bank. 

On XX/XX/XXXX XXXX I was sent an automated email thanking me for reporting the phishing. 

On XX/XX/, I received an email from FNBO-Direct stating that Our attempts to make a trial deposit into your XXXX XXXX XXXX XXXX Checking account using the information provided in the application process have failed. 
I did not apply for an account with FNBO-Direct, nor do I have an account at the XXXX XXXX XXXX and therefore did not fill out an application with this information. 
On XX/XX/, at XXXX XXXX  Eastern I called FNBO about this issue and spoke to someone who wanted me to give my social security number to access the account application, and I refused to give them my SS number and ask to speak to someone else. I then was transferred to someone from FNBO-Direct who could assist me by accessing the account information based off the application number that was in the email. I explained my situation and the emails I had received from their bank about a fraudulent account opened in my name. I live on the XXXX XXXX and would not open an account at the First National Bank of Omaha or have a XXXX XXXX account because I dont live in either of these places and have no need for this. She closed the account and told me to contact the FTC.gov to report the fraud and to contact credit check companies such as XXXX to see if additional accounts were created in my name. 
On XXXXXXXX XXXX- found an email saying my attempt to open an account was closed because information couldnt be confirmed. The email was sent at XXXXXXXX XXXX but I did not see the email until XXXXXXXX XXXX
Consumer complaint received 2024-06-10
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. (TX)

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.

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 2018-09-04
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. (AL)

I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, XXXX, and Experian on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I compared my credit report across all reporting agencies, not something I have ever done in all my life. I am glad I did. I find out almost 99 % of the records I have listed across the agencies conflicts in dates. Many dates. I noticed balances and statuses are mismatching. I noticed payment dates are not not identical across all the agencies. To make it worst my name, address and workplace are incorrect. Its amazing taken into consideration the effects on the livelihood of person credit reporting has. 

I have taken the liberty to attach a recent credit report comparing all 3 agencies. All discrepancies have been highlighted for you to easily see. Fair warning you will notice an amazing glow of yellow. See for yourself. 

I have reached out to all the agencies multiple times to dispute and validate items, they return unchanged. This is too huge for me to handle on my own. Something to this extend is not something I know how to do or attack. So many discrepancies it is not fair to me. I am very effected and it is conflicting information. I was recommended to reach out and explain my case. I know it is intensive but I hope you can help.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Please find the details of the disputed account below : XXXX Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report. 

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.