davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (TX)

I am writing to express my deep concern and dismay regarding certain inquiries and accounts that have recently appeared on my credit report. I believe these inquiries and accounts to be fraudulent and have not authorized or initiated them. 

**Fraudulent Inquiries : ** XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 I request that these inquiries and accounts be investigated immediately and, if found to be fraudulent, be removed from my credit report as soon as possible. Additionally, please freeze or put a security alert on my credit file to prevent any further unauthorized activities. In light of the situation, I am also providing a copy of my Identity Theft Report from the FTC, which supports my claim of potential identity theft. 

Additionally, there are late payments listed on my account, which I believe are errors. I maintain that I have always made timely payments for these accounts. 
** Inaccurate Late Payments : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

EQUIFAX is violating my right to privacy under the FCRA with regards to inquiries without proper documentation. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Unless the companies who inquired were directly affiliated with EQUIFAX, consent from the consumer is required before EQUIFAX can report non public information. Absent consent or waiver, EQUIFAX is in violation of FCRA and can be held to damages per incident per day. The following inquiries must be deleted or EQUIFAX must provide consent or waiver documents to report this nonpublic information. NOT ASKING FOR VERIFICATION BUT ASKING FOR DOOCUMENTS COPIES TO PROVE VALIDITY OF INQUIRIES : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (CT)

Hello, I was incorrectly charged deferred interest on my TD Bank/Raymour & Flanigan store card. 

Balance due on deferred items was {$270.00} on my XX/XX/XXXX statement. Needed to be paid in full by XX/XX/XXXX. 

I made an extra payment on XX/XX/XXXX in the amount of {$75.00}. 
TD Bank took my auto draft payment for {$200.00} out of my account on the due date of XX/XX/XXXX. 
Total payment submitted for balance due on deferred amount totaled {$270.00}. 
Due date was a Saturday, account was credited for the {$200.00} payment on the following business day on XX/XX/XXXX. Even though both payments were submitted on time, and before the deferred period ending date, TD Bank charged me accrued interest of {$410.00}. 

I believe they are in violation of the fair debt collection practices act as they did not credit my payment properly in order to avoid charging deferred interest. Payments received on weekend must still be considered on time on the next business day. 

I tried to contact them today ( XX/XX/XXXX ), but they are closed. I will be calling them tomorrow, Monday XX/XX/XXXX in an attempt to resolve this, but feel it is in my best interest to be proactive and file a complaint. I have attached my TD bank account statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well the page from my bank statement showing the XXXX above referenced payments ( please note the bank clearance times do not depict the fact that they were made on time to TD bank ). 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

I submitted a term-based application request to NelNet through my online account on XX/XX/2023. I received an email stating this application was confirmed, and my payments would change from {$230.00} per month to {$120.00} per month. This email stated my payments would update in XXXX days, and they would let me know when my payment plan would be changed. I had not recieved a response in 30 days, so I resubmitted for this same term-based plan on XX/XX/2023. After still not getting a response, I sent an email on XXXX, XX/XX/2023. In this email, I let them know that I had applied twice for the term-based repayment plan, and my payments have not updated, and my payment date is coming due at the end of XXXX. I recieved a response on Tuesday, XX/XX/2023 from XXXX XXXX stating that they could not help me via email, and that I needed to call and speak with an advisor. I called on Tuesday XX/XX/2023 right after I recieved this email, and was on hold for XXXX hours with no answer. I called again on Wednesday XX/XX/2023, and was on hold again for XXXX hours with no answer. It is impossible to get help from this company or to speak to a representative. They say they can not help you via email, but then do not answer their phones.
Consumer complaint received 2023-12-26
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-04-28
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: Green & Sons Agency, Inc. (CO)

I submitted a letter to Outsource asking for validation of an alleged debt they have placed on my credit report. I specifically asked for a statement showing charges, any payment history, an invoice from the original provider. They responded with a letter stating they verified my name and address and amount owed, with the original provider, their letter also states that they included a " list of charges '', " a billing statement provided by their client '', yet they sent none of this to me. 

Ive included their letter.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (HI)

I saw advertisement XXXX XXXX  for special promo, so I called and asking benefits for treatments. 

They were really nice and took me to online consulting with RN, they guarantee my problem will works with promotion deal. 

They told me price and payment plan, she said she will transfer dep for payment plan. 
Ally  went through for payment plan, they promised I can cancel anytime if Im not satisfy treatment then stop pay right away.

My XXXX  XXXX XXXX XXXX and Dr told me I have to purchase this and that,,,, I wasnt comfortable they are start selling things and asking more treatment. 

My XXXX  not getting better so I stopped after XXXX  session, then I told them Id like to cancel service anymore because Im not happy getting worse.

So I asked them same time I dont need to make a payment they said yes. 

After few month I receive payment still I was ignore I though they might not process yet But kept going so I contact XXXX XXXX then they said call ally, I called ally  explained, first time they said they will look for whats problem. 
It wasnt helpful. 

I called again after month and complained. 
Lady was really nice to see more detail and filed complain.

Then I got this collection.

When I cancel they didnt tell me any of detail I still going to make a payment and how much.

I dont receive any email or later for cancellation and price will be changed. 
XXXX XXXX  lady told me we could offer credit for any other treatment, but when I called them to cancel no one offered me she said Im so sorry.

They said on the phone processed cancellation.

I complained XXXX  because there are no communication whats so ever from ally  besides asking me to pay, no communication from XXXX XXXX. 

Very very disappointed.
Consumer complaint received 2023-01-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that XXXX have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After receiving a copy of my monthly consumer report I've noticed information that's inaccurate and doesn't belong to me. I reached out to Equifax asking them to investigate this information and accounts in which they didn't. I have accounts reporting that never had my consent to report in the first place. They say that I owe a debt but how can a debt occur if there was never a mutual agreement that took place? There was never a balance agreed to pay for a debt to occur. I believe that it is Equifax duty to ensure the maximum accuracy possible. They must do what's fair and equitable for the consumer. I am aware that I have a right to privacy in which that right was violated. By reporting this inaccurate information, my credit score is being negatively impacted which limits my ability to obtain relationships with potential lenders and institutions. Numerous violations are being reported. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (OH)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX, Spring oaks XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (TX)

I have asked Equifax XXXX separate times to conduct an investigation into XXXX  accounts on my credit report that I believe are inaccurate. Each time Equifax sent me an XXXX XXXX XXXX response saying they do not believe the request was coming from me. Every time I provided Proof of XXXX and Proof of XXXX and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple XXXX XXXX regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-04-25
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. (GA)

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 2023-12-26
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: EQUIFAX, INC. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (FL)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-12-26
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC (NC)

As of XX/XX/2024, from what I see, my {$49.00} XXXX posted & CLEARED payment to my Milestone MasterCard- has still NOT been CREDITED towards the available credit limit by Concora Credit & they must be forced to SHOW & PROVE - if they did ALLEGEDLY credit that payment around XX/XX/XXXX XXXX Moreover, it is NONSENSICAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Concora Credit & ANY & ALL OTHER of these DELIBERATELY DISCRIMINATING- BRAINWASHED Credit Card companies to WITHHOLD my Checking ACCT payments for up to 14 days. Therefore, I really & truly do now feel convinced that some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must have actually TOLD, manipulated, PAID OFF & or coerced these Credit Card Companies to UNLAWFULLY WITHHOLD MY already CLEARED PAYMENTS -- in a UNCONSTITUTIONAL attempt to further HINDER, HARASS, " XXXX '', SABOTAGE & DISCRIMINATE, etc, I -- - ( due to my " leftist litigiousness & abilities to FILE LAWSUITS & APPEALS against UNLAWFUL GOVT- & POLICE ACTORS.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NV)

Complaint against Chevron and Synchrony Bank for 18 U.S.C 1343, UDAAP Company advertised to consumer via the Chevron gas app with an offer to get a 'gas card ' which would offer a {$.00} discount per gallon of gas for the first XXXX  days of credit card usage upon approval. 

I was approved and received the card.

Now I've been paying the company each month when they send a statement. Then the company takes the payment and then they steal XXXX  days in interest on my payments and do no free up the available credit causing me to lose XXXX  days of {$.00} discounts on the gasoline. This is a UDAAP complaint. 

I've called the company call center in I think it was XXXX, the XXXX XX/XX/2024 and spent XXXX minutes with a specialist and she could not understand the problem and or decpetion either. These publicly traded companies need to be investigated for this type of consumer fraud. Deceptive. I don't need your card if I can buy gas somewhere else for lower price at the same or equal quality and your failures to post the payments in a timely fashion and allow the card to be utilized properly is a type of XXXX accounting fraud. 

I demand you explain this publicly so other consumers are not subject to further deception by these XXXX companies. 

Previously I emailed Chevron directly through their website to which they did not respond.

Consumer have provided rights to make this complaint public.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I have a Barclays Mastercard. My Escrow Company issued checks to pay off some of my debts. XXXX XXXX checked- a check was Cashed in the amount of {$400.00}! 
XXXX cleared in XXXXXXXX XXXX However, looking at copy of the check I see XXXX XXXX & Barclay. 
I would just like the check back, so the RIGHT company get paid. 
I only put my name on the check. No account # # Thinking in today 's Word that could match the Name & Amount-So Wrong I am a XXXX person and this Very Stressful!! 
Please help me. 
Thanks