davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2023, I went to XXXX XXXX XXXX in search of a vehicle. My wife and I looked and found one we liked. They took down our information and at this time, no talk of financials happened yet. We did not even state we fully wanted the vehicle yet, we were just interested in price. They came back and told us that we could secure the loan with Ally Auto, but in " good faith '' we were required to put down a {$3000.00} CASH down payment in order for the bank to lend us the money. 

We were also not informed that XXXX different line items of " added service protection '' would be added to the overall loan, nor did we get any paperwork on any of it, except GAP insurance, which they told us we had to do. This resulted in an extra {$6000.00} attached to our loan. 

Not to mention our signatures on the retail buyers order, do not match our normal signatures, in fact they are not even close to my wife and I 's normal signature. We have reason to believe they were forged, and therefore this contract is fully fraudulent. 

They used deceiving, high pressure sales tactics to secure this loan, withholding information from us, that would have resulted in us walking out.
Consumer complaint received 2018-08-05
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

XX/XX/2018 Chase Account ending in XXXX XXXX fax This account should have a XXXX  balance, I owe nothing on it. All XXXX XXXX orders were either returned or were fraud. If there is a balance, which you show of {$290.00} and growing each month because you keep charging late fees and service fees with late fees I have emailed you over a dozen times and have copies of all those and your replies say you will reply within a few days and you do not! Everytime I email I save a copy of my correspondence and you are ignoring all of these. I have proved that all XXXX orders were returned and they refused to refund me. I have saved and sent you all of the tracking numbers via XXXX proving this. Why do you continue to ignore me? I am a XXXX person and can not talk on the phone most days but I am doing my best. What you are doing is not only rude, unprofessional but also discrimination against the XXXX. 

This balance needs to be XXXX. I owe nothing on this account. Please find any open charges and open a new dispute or fraud and clear it out. You can not continue to discriminate against me because I am XXXX and can only call in when I am not very sick. I am documenting all of my correspondence and your lack of a reply and action. If it is too late because of your mistake then you need to eat this balance and XXXX  it out, immediately. This is ruining my credit!! 

Please reply immediately. Please stop charging me late fees and other fees, when the balance should have been XXXX last year. 

I have written to you at least 12 times on this matter and I have yet to receive a reply. I am a person who is dealing with a XXXX  XXXX and have asked you communicate via email or snail mail, yet you havent, and you keep adding late fees and service charges. I am keeping track of every time I email or write or fax you. Please have a heart. You are ruining my credit. This needs to stop! Please forward to an executive in the Executive office. 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-05-20
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. (MS)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX  Inquiry Date XXXX XXXX  Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - tied up XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX 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
Consumer complaint received 2023-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/25 I purchased a XXXX  XXXX radio from XXXX XXXX and paid via Venmo to his account using Venmos Purchase Protection. The radio was eventually delivered and upon opening it I discovered it was damaged and broken beyond use. I alerted the seller to which he didnt offer any resolution so I initiated a refund with Venmo XXXX Per the description of their Purchase Protection I should be granted a refund as the item was damaged, either by shipping or by the seller, yet Venmo has offered no assistance in order for me to get my money back.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

XXXX reported to the credit bureaus that I was a late pay when in fact they had collected the monies. I paid the loan off and asked them to close my account, which to this day has not been closed. I called today requesting them to close the account and was told I had to wait thirty more days, from previous dealings with this bank they tend to add more charges every thirty days. I want this account closed before the bank thinks they can continue to charge me for the rest of my life.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 21ST MORTGAGE CORP. (TX)

I have a debt with 21st Mortgage Corporation that is a voluntary repossession. It was for a mobile home but was never connected to any type of land. I do agree that it should be a voluntary repossession but it should not be coded as a mortgage account, rather as an installment account. Since it is coded as a mortgage account it is showing up as a foreclosure on my credit report. It is incorrect and a FCRA violation. It is also showing up as mortgage late payments, but shouldn't since it was never a mortgage.
Consumer complaint received 2024-04-09
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-04-09
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-07-05
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (CA)

You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY update the account as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Procollect contacted me in reference to a settlement. I was advised that I could settle my debt for {$500.00} .I advised that I would be able to call her back ... .When I called back Ms. XXXX placed me on hold when she returned to my call she advised that she would not be able to take my payment. After she promised that she previously could I because I do not know collections tactics then asked my sister to assist me with the call .I advised that I gave my sister permission to speak on my behalf. They refused to allow her to assist me with the call then we were again disconnected. 

I have been verbally abused and consistently disrespected.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions.

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out today to report that I have fallen victim to identity theft. Please consider this letter as a formal dispute regarding this account. I have already reached out directly to all the companies involved and followed the necessary steps to address this issue. Additionally, I have filed an identity theft report with the FTC and have contacted all the companies to dispute the inaccurate information. Your assistance in resolving this matter is greatly appreciated. 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-10
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. (PA)

I called XXXX prior to applying for a checking account and verified that a hard inquiry would not be ran to open a checking account. The representative told me that it is only ran on credit products. To my surprise, my Equifax report shows that XXXX ran a hard inquiry on XX/XX/2023. This inquiry was not authorized and I'd like to have it removed.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (WV)

I started an online chat after not being able to find a specific document. The chat agent kept telling me to log onto my account although I was already logged on and had to be signed in to be able to chat. He repeated told me my fixed payment, but was unable to give me information how to obtain the document that showed what he told me. I needed a payment estimate for my mortgage company. The agent kept me on chat for about an hour and never resolved my issue and often stopped responding and I didnt know if they were still on the chat.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 may be violating 15 U.S.C 1681a 2 ( 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 ( 15 U.S.C. 1681g ). 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 ( 15 U.S.C. 1681i ), 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 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (IL)

I received a collections notice from TORRES CREDIT SERVICES for {$420.00}. The original creditor is XXXX XXXX XXXX XXXX, apparently opened on XX/XX/XXXX. I never opened an account with this company and I do not have any knowledge of what this could be.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Last year I went into a XXXX dealership to get pre-approved for financing. I was told by a salesman he would perform a soft credit pull. Unbeknownst to be my credit was pulled 14 times from 4 different creditor various time. Full list below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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)

XXXX XXXX updated my credit file with XXXX and TransUnion that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
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. (ID)

I have disputed the same accounts many times to request to be removed cause I don't have access to them or don't use the accounts anymore and nothing is removed or deleted except for they change dates on them or up date the accounts to remain them to stay on longer they don't not do their. Jobs right except for changing dates or inaccurate info they put on the accounts I want the accounts I don't use to be removed
Consumer complaint received 2023-05-07
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. (NY)

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have 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 an account without my written instruction.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.
Consumer complaint received 2023-07-22
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. (CA)

XXXX  isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, TransUnion, and XXXX.
Consumer complaint received 2024-04-09
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. (OH)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).