davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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: ALLY FINANCIAL INC. (NC)

I made a purchase with order # XXXX which included the XXXX XXXX XXXX XXXX ( XXXX  ) phone, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. I also sent in my XXXX XXXX, which XXXX valued at {$650.00}. However, after a few weeks of using the new XXXX XXXX XXXX, my XXXX XXXX stopped connecting and I received a notification. I contacted XXXX through email, text, and phone to inform them that I had purchased the new XXXX XXXX XXXX in XX/XX/XXXX to replace my XXXX XXXX. I had XXXX XXXX XXXX watches that were connected to the XXXX XXXX and had been purchased around XXXX. XXXX unexpectedly sent an update that discontinued support for the XXXX watches with phones purchased after XXXX, even though they had been paired and connected to the XXXX XXXX just the week before. This is similar to the issue with the XXXX XXXX XXXX XXXX, which also lost support only a few years after its release. XXXX sells expensive accessories but fails to adequately inform customers before discontinuing support for them. I do not recommend XXXX products due to their high cost and lack of notice before discontinuing accessories. XXXX should provide a XXXX notice before ending support for accessories, giving consumers time to make informed decisions. I was not aware of any time limits to return the phone due to XXXXXXXX XXXX failure to inform customers about the update that caused the accessories to stop working. When I called XXXX, they informed me that I could only return the phone for a refund, even though the window for returning all the items had already expired. I contacted Ally and informed them of what XXXX had told me. Ally sent a letter dated XXXX XXXX stating it would post a credit pending the dispute which would appear on my next billing cycle which was XXXX XXXX. The credit did not appear and when I called Ally the representative told me the dispute was dismissed on XXXX XXXX told the representative that I did not receive notice and if I could escalate this or appeal this the representative gave me a fax number that was busy after several attempts to fax so I sent Ally a secure message through its app. I ask why and was told because I did not return the phone I said in order to return the phone I must receive from XXXX a RETURN MERCHANDISE AUTHORIZATION NUMBER which I had not received. Ally has not protected my interest.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX I spoke with a representative about my payment and I already made the payment she went on land continued to say that I was late and I insured her the payment was done according to my payment arrangement and she continued to threaten me starting with repossession and continued to threaten me repossession. I feel like this a constant threat used by this company with me all the time causing to panic and be in constant worry of not having a car. Times are hard and like I told them many times that Ive had financial difficulties with dealing with the repairs from the last time my car was repossessed Ive had lots of damage under the bottom of my car that was never addressed or fixed and feel like a little grace would go a long way with this company and I dont feel like they care about me
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Pursuant to 15 U.S. Code 1681b and Pursuant to 15 U.S. Code 1681e ( b ) there is inaccurate information being reported. The bureaus keep validating the debt but the information is incorrect and needs to be deleted! 

The account is XXXX XXXX The balance reported is wrong the payment history is wrong across all XXXX bureuas. I dont want it validated it needs to be deleted due to it being reported inaccurate violating my consumer rights. 

Their are incorrect names and addresses also. 
My name should only show XXXX XXXX XXXX My address should only show XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 
Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

I had a loan with Mercedes-Benz since XX/XX/XXXX. I never had any late payment. I paid off the loan in XX/XX/XXXX. Somehow Mercedes-Benz put a Repossession on my credit report. I contacted their financial department and told that I have to hire a lawyer to fix this issue. I never pay late and paid off already. I don't know if I should spend money on hiring a lawyer to fix it.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, Account XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The account with XXXX XXXX  has been charged off, and was closed by the company on XX/XX/year>. It should not be showing on my report, nor should it still be showing a balance, since it has been written off. I have not received the IRS Form XXXX, showing this account was written off as a loss, if said company has received a tax write off.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC (GA)

This is my second time I have to ask you for help. Cooling & Winter is not responding to any of my communication again letting me know what the pay-off balance is. I have called several times and asked them to call me. I have also e-mailed several time and again no response. Cooling and Winter LLC web payment site still shows that I owe over {$1200.00} even though I should be done making the payments ordered by the court. I am worried if I stop paying they will try to pull that I owe all the money because that seems to be there practice not responding and demanding full amount.
Consumer complaint received 2024-05-25
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. (NM)

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 2024-05-25
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)

The Credit Bureaus stated my accounts XXXX XXXX XXXX as well as XXXX XXXX were properly investigated and verified but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. According to 15 USC 1681i ( 5 ) ( A ) If, 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 ; YET I was not provided with these documents.

The companies for which I am filing this complain are all in violation of the law ; 15 USC 1681 section 602 A. Which states I have the right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : In accordance with the written instructions of the consumer to whom it relates. These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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 XXXX years. To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; For the purposes of this complain I am demanding a retribution of { {$1000.00} } per violation found on my credit report These accounts were disputed and came back verified XX/XX/2022 as well as XX/XX/2022, I also sent letters XXXX XXXX report numbers : XXXX, XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, ither credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
I kindly request your prompt assistance in correcting or removing this information from my credit report. 
XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I RECENTLY GOT DENIED FOR A MORTGAGE LOAN BECAUSE I WAS INFORMED I HAD LATE PAYMENTS WHEN IN FACT I DO NOT AND WAS NEVER LATE ON ANY ACCOUNT THAT I EVER OPENED. MY CREDIT REPORT IS HIGHLY INACCURATE AND NEEDS TO BE FIXED IMMEDIATELY SO I CAN TAKE CARE OF MY FAMILY AND GET THEM A HOME. I AM BEING TREATED UNFAIRLY AND MY CREDIT REPORT AND CREDIT FILE BEING INACCURATE IS RUINING MY LIFE. I NEED THESE ACCOUNTS UPDATED TO PAID AS AGREED FOR THE DURATION OF MY ACCOUNT. I WAS NEVER LATE. MY IDENTIFICATION DOCUMENTS HAVE BEEN ATTACHED TO MY LETTERS AND THIS WAS NOT DONE IN ERROR
Consumer complaint received 2024-05-25
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)

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 2024-06-26
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. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-05-25
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. (CA)

On XX/XX/2023 while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/2023 for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is XXXX days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Consumer complaint received 2024-05-25
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. (NC)

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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.