davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

About a little over XXXX year I went to my bank ( Citibank ) to do a regular transaction with them while being there they offered me a Credit Card to help build my credit since I didn't have one. I asked that if I could move a balance from another account to this card and they said that it was not a problem. When they offered me that card and that in was interest-free for as long as I paid my balance on time each month. So I received my card, and started paying the balance each month on time to avoid this. To make things a lot easier on me, I decided to enroll on autopay to so I wouldn't forget each payment. For months I saw that the payments was going thru w/o a problem. A few months ago I started noticing that my balance was NOT going down despite the fact that I was paying the minimum amount which was anywhere between $ XXXX to get this balance down faster. Well it turns out that despite me being responsible for this long the bank was charging my a " interest fee '' for having the card and I was never told this. I found out when I checked online that they were charging me around $ XXXX dollars each month for this " interest fee '' even though I had already paid on time every single time. I called the bank and they said that it was an interest for having a debt with the bank which it was NEVER explained to me. Had I known that I would have never agreed to this. I asked their representative since when they have been charging me for this and he said that since late XXXX. I was floored, no wonder my debt never went down even though I was paying responsibly each month around {$90.00} dollars. To me this is completely illegal, I was never informed about this by the bank nor I received a letter or email regarding this. I asked the bank to reimburse me all that money and they put me on hold a few times but the phone call never went thru. So I feel like they are not taking responsibility for this. I would have paid that card basically in full if they didn't charged me all those outrageous fees for so long. Here I am paying on time, being a good citizen, not missing a single monthly payment so the bank can easily rob my money without my consent. I need to for the bank to reimburse me all that money. I appreciate your help in advance. Thank you.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I sent certified mail to dept of nelnet about all the fcra laws that they have violated. It was a notice of cease and desist. They did not properly investigate the matter. They falsely claimed that they did not violate my fcra rights. They have these accounts attached to an address with my legal name but incorrect address meaning they should should contact the grantor which are the cras and delete these accounts off my credit report. They are furnishing private information publicly to a 3rd party which is illegal. This is infringement and a violation of my privacy rights. On XX/XX/XXXX XXXX said they are furnishing info on behalf of the department of ed which I have NEVER agreed nor signed an waivers or contracts with and to proof it they sent me documentation asking me to update information because they dont have any in their system. They are trying to set me up.
Consumer complaint received 2023-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (GA)

Collection account from FROST ARNETT with a balance of {$2700.00}. The original creditor is XXXX XXXX 
I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party. 
15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account frost arnett
Consumer complaint received 2023-11-21
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. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Since XXXX of XXXX, in the past XXXX months, they have put my student loan back into repayment 5 times. I am currently a student at a registered school. Each time I have to contact them to put it back into deferment which they have done up until the most recent time that I contacted them. My loan is still not deferred and no one has responded to me. I have also asked questions about why this continues to happen and how I can change lenders which has also not been responded to. 
XXXX change in loan terms ( loan put into repayment ) XXXX new financial information ( deferment ) XXXX change in loan term ( loan put into repayment ) XXXX in-school deferment granted XXXX change in loan terms ( loan put into repayment ) XX/XX/XXXX in-school deferment granted XXXX billed for monthly payment ( received late fee of {$4.00} when paid in XXXX as I thought it was in deferment per in school deferment granted on XX/XX/XXXX. 
XXXX billed for monthly payment XXXX in school deferment granted XXXX change in loan terms ( loan put into repayment ) Message sent on XX/XX/XXXX regarding in school status with no response. Loan is still in repayment.

This is the worst experience I have ever had with a financial institution. I am really tired of dealing with this company and I would really like to know how I can change my lender. Thank you
Consumer complaint received 2023-11-21
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2022 I went open to reviewing an apartment that I liked. As I walked in I felt something was off, the energy and customer service was a little rude. I felt uncomfortable and did not know how this tour would play out. So I took the tour and look around the apartment complex. I decided to give it some thought and told the agent I will be in touch if I decide to move forward. Well a week past by and I put in a application in, a week goes by, I hear nothing. No phone call, no email on my status of where I am at in the application process. So I decided to call and figure out whats going on. Well as soon as I called they informed me I was approved. Which was fishy, and odd from the first place. I had to call multiple times, and tried to get more I formation since the beginning. I felt discriminated and unwelcomed. So I spoke to the XXXX about the situation, nor did she help me, I decided to take my business somewhere else. I never got the keys to the apartment or anything. I was charged for a collection fee of an application fee and admin fee which I paid up front after the application process went thru- I had to call and find out if I was approved or not- I hereby the collection is false Information and provin to the fair cares act, they went behind my will to collect a debt that is misleading, false information, and fraud. I need to file a complaint for this action to take this off my credit report.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$3300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-11-21
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX Transunion is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

See attachment : In the three attached credit files ( XXXX, XXXX, Experian ), you will find alleged inquiries both 'hard ' and 'soft, ' and alleged accounts that are vehemently unlawful pursuant to Title 15 U.S. Code , Chapter 41 1681 ( b ) 1681 ( i ) and in violation of The Truth in Lending Act ( TILA ), Title 15 U.S. Code 1601 et seq. and specifically 1635 ( a ).

These alleged inquiries, both 'hard ' and 'soft, ' and alleged accounts also are non-conformant with the Metro 2 Format outlined in your own Credit Reporting Resource Guide ( CRRG ), 2020 et seq.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
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: Exeter Finance, LLC. (CA)

On my credit report, Exeter finance keep reporting late payments. I have talked to a person regarding the ability to make payments on a car loan and payment arrangements which I started making with the exception of Exeter finance but they keep reporting late on my credit report its saying also my last payment was made in XX/XX/XXXX of XXXX, which is incorrect because I have made payments I have made XXXX and XX/XX/2023 payments which would be XX/XX/XXXX and XX/XX/2023. I dont get how its saying that my last payment was received XX/XX/XXXX even after we made an agreement that they would put whatever was late at the end of the remaining balance so it will stop showing up on my current report as late payments. This is damaging my credit and I need them to stop.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

In XX/XX/2012 I purchased a brand new XXXX XXXX from XXXX Toyota in XXXX XXXX and upon taking out a loan I was told I would need to purchase a {$2400.00} extended warranty and was told that if I didnt use the warranty at any time while I had the loan I would get a full refund of the {$2400.00} upon completion of the car loan.
Consumer complaint received 2024-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization XXXX be violating XXXX U.S.C XXXX XXXX ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I flew from XXXX to XXXX XXXX. When i got off the plane i was text a transaction approval and saw it was not mine and text back no. It came back saying I already approved it. I then called my bank to find out that {$5000.00} was transferred from my savings account to my checking and all my money was spent on various charges in XXXX XXXX while I was flying to XXXX XXXX. The bank will not recognize my claim and I am now out all the money I had, about {$6700.00}. XXXX {$200.00} cash back transactions were completed in 8 minutes at a grocery store snd the manager XXXX said they found them on video and burned a copy for investigation. I want my money that was stolen but the bank will not validate my claim. I have been very diligent in protecting my card information and I have never shared my card or number with anyone. I did nothing wrong and this money was stolen from me wIthout my knowledge or permission.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re investigation.
Consumer complaint received 2023-11-21
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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