davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (AZ)

In XXXX I had a XXXXXXXX XXXX XXXXXXXX XXXX from an on the job injury where I hurt my knee. Based on my knowledge all the hospital and medical bills had been paid and I had moved on from it. 
4 years later ( XX/XX/XXXX ) I found out about several bills that were turned into a collection agency for non payment because they were reported to my credit and dropped my scores by over 100 points!

I immediately contacted the collection agency to find out what the bill was for and was told it was anesthesiology. So I asked the representative, XXXX, to send me a copy of the bill so I could send it to my XXXX 's comp case manager to get it paid. 
XXXX said she would send it, but I never received the bill. 
I called the collection agency again and spoke with another representative named XXXX and he said that he was going to call the claims rep directly and get the bill sent to him so that it could get paid. 
Again, my XXXXXXXX XXXX XXXXXXXX rep told me that he hadn't received anything. 
Not knowing what else to do, I decided to get the credit bureaus involved to see if they could get the collection agency to provide me with a copy of the bill. 
I sent a written request to XXXX, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received any responses from the credit agencies or from Allied Collection Agency. 
Someone told me about the CFPB and how the CFPB is supposed to help consumers so I decided to give this a shot.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I recently opened a new credit card with American Express ( I have been a cardmember with American Express since 2000 with a perfect record of timely payment ). After opening the card, I attempted to set up AutoPay on the account, which would automatically deduct each monthly payment from my bank account ( as is done on my other credit cards ). Somehow, my attempt was not successful, and the first bill was not paid automatically ( on XX/XX/XXXX ). When I realized the next morning ( on XX/XX/XXXX ) that the bill had not been paid, I immediately paid the bill and set up AutoPay for future bills.

For the one day late payment, which may have been the fault of the American Express website for not processing my AutoPay setup correctly, I am being charged {$120.00}, which consists of a late fee of {$29.00} ( above the legal limit ) and interest charges of {$97.00}.

When I contacted American Express, they informed me that since they were not at fault, they would not waive or adjust the fees.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I sent a certified letter, along with a utility bill, social security card, and driver 's license. Equifax sent what has become known as a stall letter. all the relevant documents where sent to verify my identity. They responded that they could not locate my file. If that were true why do I have negative and inaccurate information on the file located in the Equifax system that is harming me personally?
Consumer complaint received 2024-06-04
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union unilaterally imposed impound account for property taxes in violation of mortgage agreement. 
Tax analyst at NFCU told me that the issue was resolved in my favor. 

NFCU sent Notice of default, and reported to credit reporting agencies, dropping my credit score from XXXX to XXXX. 

Communicate with NFCU for 4 months has failed to find resolution. All principal and interest payments are current. 

I suspect this a fraudulent attempt by NFCU to escape this loan because it was originated at 2.3 % Request intervention asap by CFPB XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: 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.

The letters are stated with items and issues.

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 2023-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I have checking, savings, and investment accounts with Ally. On XX/XX/2023 Ally 's fraud detection system locked my accounts. I phoned Ally on XX/XX/2023 and was able to have a representative unlock my accounts. 

On XX/XX/2023 my Ally accounts were once again locked. I phoned Ally and after several hours was able to determine that Ally 's fraud detection system relies partially on the time zone a user 's browser reports to some XXXX code. Many privacy protection features in browsers will randomize the time zone or simply always report it as XXXX, regardless of where the computer running the browser actually is. 

This code told Ally 's fraud detection system that I logged in from XXXX, although there is other data available such as IP address that would contradict this. The representative I talked to was able to see the IP address recorded for the activity that locked my accounts : it is the IP address for my cable router at my home, a well known address to Ally 's systems since I log in from home very frequently. Somehow, Ally 's fraud detection system or their operation of their fraud detection system did not take this into account. 

The representative told me that this exact problem happens very frequently, but by policy they are unable to unlock my accounts unless a fraud investigator approves it. Since it was Friday and the fraud investigator assigned to my case had already finished work for the week, I am left without access to my money until Monday  XX/XX/2023 at the earliest. 

The representative further told me that they thought ( but could not confirm ) that my accounts were unlocked the first time because a fraud investigator was immediately available, and that the accounts were locked again perhaps due to a mistake by the fraud investigation department.
Consumer complaint received 2023-02-10
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: HCFS Healthcare Financial Services of TeamHealth (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am lodging this complaint on my own behalf. Upon examining my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this issue.
Consumer complaint received 2024-06-03
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. (IL)

On XX/XX/2020, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Consumer complaint received 2024-06-04
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SLM CORPORATION (FL)

This is the second time since XXXX that Sallie Mae has done an automatic rollover of a cd at a lower rate than premium and also rolled over against my wishes. 

Basically their process is predatory by not allowing you to opt out of automatic CD roll overs, and the process doesn't allow for you to call in to close your account less than 30 days when it is due. 

Considering that most cds are long term and the bulk of their consumer base investing in this product is going to be elderly, this really seems set up so Sallie Mae can trick customers into forgetting to close out their CD to the renew the CD at a rate lower than what is offered if you rolled the CD over yourself. They also then hold your money XXXX by charging you a 6 month penalty to close out the CD if you miss a 10 day window out- doesn't matter their window was 365 days. 

Basically, I was going to pay down my heloc with this money, lmao, the representative decided to rub salt in the wound and mentioned that not only are they either keeping my money for another year at a measly 4.8 % and forcing me to pay the 8.5 % interest on the loan instead, but then decided to be XXXX and mention that a rate on their loan product would've been lower lmao.
Consumer complaint received 2024-06-04
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (NY)

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. 


I told Transunion to reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX to reinvestigate the account : XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-05-02
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

Bought a XXXX XXXX from US Auto Sales in XX/XX/year>. Months later they shut down without notifying me and my loan was transfer to another company XXXX, didn't know until the last minute. I believe I am being charged extra because the amount that I was told to pay is included with a warranty but now I don't have that and still making extra payments. I am glad that I ran across this article because the new company could not help me at all.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

To whom it may concern, I have never had an Ally Credit Card nor do I owe this company money. This card does bot belong to me. Please remove the item from my XXXX report. 

Thank you, Balance- {$7000.00}
Consumer complaint received 2024-06-04
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. (GA)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items here : XXXX XXXX XXXX  Balance Owed : {$1400.00}