davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Re : Account number : XXXX date opened : XX/XX/XXXX and XX/XX/XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, XXXX years ago, I was in a financial dilemma due to XXXX XXXX and multiple XXXX issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous XXXX. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-10-10
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. (IN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated XXXX rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I've been contacting Midland Credit Management and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from XXXX. For proof I've also attached a copy of the XXXX XXXX, credit monitoring report. So, since I have not received a response, the company and the XXXX XXXX XXXX have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (IL)

Received phone call XX/XX/XXXX at XXXX rep didn't identify herself until a few minutes in the conversation as a debt collector and stated I had an unpaid XXXX account from XXXX and gave the XXXX  name but not the practice or facility She gave the dollar amount and said I didn't owe anything from my XXXX from XXXX and had not received any phone calls or statements from them she pressured me to pay and that I owed. I said I will call the office to verify this information a manger stepped in the call and was trying to force me to pay and to call the office with them on the line I said no. And he said it didn't matter I owed the debt and they verified it as owed. I hung up on this individual as he's in violation of my XXXX rights to be on the phone with my XXXX office as it is a medical practice I do not want them knowing my medical records information. Never once where my rights to dispute this where given I was being aggressively pushed to pay and my rights where being violated by this individual when I said I didn't owe it and I wanted to dispute this with the XXXX  office to verify this was not a scam as they where being aggressive and to make sure this was correct information I do not owe. The company name is synergetic communications inc phone number they called on was XXXX and dollar amount they wanted was XXXX with interest. The call was monitored and recorded they said as well.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NV)

In accordance with the Fair Credit Reporting act, T.D. Bank N.A. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 ( a ). 15 U.S.C 1681 Sect. 602 ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced account # XXXX to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violation..
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (IA)

I received a text from Marcus GM Card asking if I purchased something at XXXX XXXX XXXX. I had not made the purchase. A company rep called me to say they would cancel my card and send a new card. Some one changed my email address, password and home mailing address in my Marcus GM Card account. The new card was sent to XXXX and someone attempted to receive a cash transaction of {$400.00} it was declined and they tried a second time. 
I have now updated my Marcus GM Card account with my correct information and requested a replacement card.
Consumer complaint received 2023-12-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Alliant Capital Management LLC (MO)

XXXX has now sold the XXXX  loan to Alliant Capital Management LLC. 
In XXXX of XXXX, XXXX stated that I took out a XXXX loan. They were taking out XXXX a XXXX. I started contacting XXXX in XX/XX/XXXX. The company never returned my calls or supplied the information I requested. In XX/XX/XXXX, I had to close my XXXX account to stop XXXX from taking out the payment. I got XXXX XXXX involved to help me get information. XXXX has been on phone calls with me to XXXX since the Summer of XXXX. I mailed paperwork to XXXX XXXX times. 
Now Alliant Capital Management LLC has the XXXX loan at XXXX. None of the payments that were taken out of my XXXX account are even accounted for.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

On XX/XX/2024 I made a transaction which was flagged for unusual. No sure why because I sent money to this person before. How ever I was asked to send in documents to verify myself. My last name on this account is my maiden name. I sent them my current ID as well as my Birth Certificate, marriage certificate and divorce decree, my old ID with my maiden name of XXXX, a copy of my SSI card, and a picture of me with the date holding my current ID. I was told that this verified wasnt good enough and my account is still on hold. All my money is in this account and I have to wait till someone else reviews this. This is my second time going through this when I told them to update my last name last year. Now Im without money and no access to my account even doe I have gave more then enough to verify me.
Consumer complaint received 2024-05-05
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. (HI)

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XX/XX/24, XX/XX/24, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I currently have a {$250000.00} XXXX loan from USAA. It was initiated in XXXX and set to terminate in XXXX. I have had various loan. consumer accounts, and insurance policies with USAA since XXXX when I was XXXX after XXXX as a XXXX XXXX XXXX 
USAA under the direction of XXXX XXXX XXXX was an honorable and trustworthy company and a pleasure to do business with. 
I recently attempted to withdraw funds from my XXXX loan and discovered there was a clause in my loan agreement that disallowed me to withdraw funds after the first XXXX  years of this XXXX year loan. This was never explained or disclosed to me even though the loan was for a XXXX year duration. 
I contacted USAA ( XX/XX/XXXX ) who informed me of this clause and was told by USAA XXXX XXXX XXXX employee # XXXX ) and later by employee XXXX ( # XXXX ) that they attempted to contact me both by mail and email before the XXXX year restriction began. I told them I never received such communications or I would have utilized the funds before their deadline. 
Both employees said they would resend these notices both via mail and email which I have not received. They also said USAA no longer offers new XXXX 's and they have no way in their computers to extend my withdrawal period to help with my home improvements. I find this hard to believe in this age of technology. Employee XXXX XXXX XXXX ) said he was the head of the XXXX division even though USAA claims they no longer accept XXXX 's. 
I feel I was a victim of deception and non disclosure by USAA who do not want to honor their loan commitments because the interest rate for my loan was 4.25 % which is currently not profitable enough for USAA.
Consumer complaint received 2024-10-10
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. (GA)

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 168b permissible purposes of consumer reports. 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. 

has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [XX/XX/XXXX] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-10-23
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)

Accounts : XXXX I am filing a complaint against OPPLOANS/FINWISE, XXXX, XXXX, EQUIFAX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). OPPLOANS/FINWISE has reported a charged-off debt to XXXX, XXXX, and EQUIFAX XXXX my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, OPPLOANS/FINWISE has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. OPPLOANS/FINWISE actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX  ) is engaging in deceptive conduct that harms consumers ( XXXX ). Furthermore, OPPLOANS/FINWISE has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. OPPLOANS/FINWISE improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and EQUIFAX without my permission. Additionally, OPPLOANS/FINWISE has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and EQUIFAX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Consumer complaint received 2024-10-23
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. (FL)

I am formally requesting that Experian block fraudulent information currently appearing on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft, and I expect the inaccurate information to be blocked within 4 business days of receiving this complaint.

The following accounts on my Experian credit report were fraudulently opened without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These fraudulent accounts have led to collections appearing on my credit report, which I did not authorize. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these items be removed from my report immediately and that all related collection activities be halted. 

I have attached a list of these fraudulent accounts, as well as an FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) ( XXXX ) as proof of the identity theft.
Consumer complaint received 2024-10-23
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. (PA)

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 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have been making partial payments that CapitalOne agreed on since 2019. Yet, they are still reporting the accounts as chargeoffs. My credit score is XXXX as CapitalOne is making a negative report. I asked them to change the reporting as I have been making those payments every month, but they are refusing. 

The XXXX accounts are : XXXX : XXXX XXXX : XXXX