davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

On XX/XX/, my Demand for Arbitration dated XX/XX/2024, ( see attached supporting document ), was delivered to Equifax Information Services, LLC ( Equifax ) via USPS certified mail with an electronic return receipt requested. 

On XX/XX/, instead of initiating my Demand for Arbitration, Equifax erroneously processed my documents as a dispute ( confirmation # XXXX ) against the XXXX XXXX XXXX. 

On XX/XX/2024, Equifax completed their investigation by stating the disputed item is not reporting on the Credit File. Of course, the XXXX XXXX XXXX is not reporting on my credit file as I was not initiating a dispute AGAINST the XXXX XXXX XXXX, I was notifying Equifax that I am initiating arbitration WITH the XXXX XXXX XXXX regarding an alleged public record ( bankruptcy ) that Equifax is reporting on my Equifax Consumer Credit Report. 

On XX/XX/, I reached out to Equifaxs, Office of Consumer Affairs and spoke with XXXX. I advised XXXX of Equifaxs error. XXXX appeared to not understand the issue and I requested to escalate the matter to a supervisor. XXXX claimed that she does not have a supervisor and that she has the final say at Equifax. I re-explained the situation to XXXX and again felt that XXXX did not comprehend my Demand for Arbitration. Based upon XXXX disrespectful attitude and lack of knowledge regarding the arbitration process, I do not believe that my Demand for Arbitration is being taken seriously by Equifax. This communication shall serve as notice that my Demand for Arbitration is, in fact, very serious and I expect that, according to Equifaxs Terms of Use, Section XXXX, this matter will be treated as such.
Consumer complaint received 2024-01-27
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. (WI)

In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/ I contacted Ally because I had been sick for quite some time but I still managed to pay my bill even if it was a couple of weeks late. I asked them for a deferment. I was first told that they didn't offer deferments per their rep XXXX. Then when I pressed the issue, she said that they called it something else. She then gave me a big amount to pay just so that the next payment could be decreased. I asked how that would help me? Then she said that she was sending it up and allow XXXX business days for the paperwork to be mailed out. I contacted Ally today because my next payment is rapidly approaching and it will reflect negatively on my credit. I haven't received any correspondence through the mail. I was told by another rep XXXX XXXX XXXX today that they sent the paperwork via messages on their site and because I didn't login to check my messages it expired and that I would have to reapply and that I had very little deferments that could be taken on the account because I allowed the other one to expire. He also stated that it could be denied.

I didn't allow anything because their rep told me that it would arrive by mail within XXXX business days. I didn't receive any emails from them saying that there was a message in the portal or anything. I am not a mind reader. I'm still being charged very large late fees due to their miscommunication
Consumer complaint received 2024-01-19
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)

Under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as TransUnion LLC, must carry out their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a consumer, I am empowered by 15 USC 6801, which declares Congress 's policy that financial institutions, including entities furnishing information to credit agencies, have a continuous obligation to uphold customer privacy and protect nonpublic personal information.

Referring to 15 USC 1681 section 604a ( 2 ), it is explicitly stated that consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the concerned consumer. I want to make it clear that Transunion LLC and the entity furnishing information to credit agencies do not have my consent, be it verbal, non-verbal, written, implied, or otherwise, to share my information. This revocation of consent is based on 15 USC 6802 ( b ) ( c ), which requires financial institutions to inform consumers of their right to exercise nondisclosure optionsa step not taken in my case.

Furthermore, the reporting of adverse information without my permission, as per 15 USC 1681C ( a ) ( 5 ), is in direct violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and TransUnion are evidently not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e.

In accordance with 12 CFR 1016.7, I am hereby exercising my right to opt out of your reporting services. It is imperative that my privacy rights are respected, and I expect compliance with the relevant statutes and regulations outlined above.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Consumer complaint received 2023-07-24
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. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2024-03-22
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXX, Account name XXXX XXXX XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
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. (IN)

Subject : REMOVAL OF DISPUTED ACCOUNT ON CREDIT REPORT- FCRA VILATION. 
Dear Sir/Madam, I am writing to formally request the removal of an disputed account account that appears on my credit report, specifically regarding an account associated with XXXX XXXX XXXX XXXX XXXX As per my rights under the FCRA law. I am requesting Equifax Credit Reporting Agency immediate attention attention to this matter and the necessary steps to rectify this situation. Upon reviewing my credit report, obtained from Equifax Reporting Agency. I noticed an account listed under the name XXXX XXXX XXXX XXXX. However, I don't have no financial or business dealings with this company. I have repeatedly tried to call the company several times and they refused to talk to me about this alleged account. This discrepancy has raised serious concerns regarding the accuracy and legitimacy of the reported information. According to the FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax are required to conduct a reasonable investigation into a disputed information upon receipt of a consumer 's notification of dispute. I did not receive any documentation or response to method of verification of the validity establishing my contractual obligation with XXXX XXXX XXXX XXXX, which is a violation of my consumer rights under the FCRA law. I also remind Equifax of their obligations under the FCRA law Section 611 ( a ) ( 5 ) ( A ), which states that information is found to be inaccurate or can not be verified, Equifax must promptly remove or delete the disputed information from my credit report. Therefore, if Equifax is unable to provide the requested accuracy of the report, information can not be substantiated, I expect the immediate removal of this account from my credit report. I also request Equifax to provide an outline of the results of any actions taken. Failure to comply with these obligations may result in legal consequences, including potential liability for damages. I expect Equifax 's prompt attention to this matter into this disputed account. Failure to address this dispute appropriately will leave me no choice but to pursue all available legal remedies to protect my consumer rights under the FCRA law. Thank you for your immediate attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: PENTAGON FEDERAL CREDIT UNION (NY)

A financial institution should not be allowed to make false statements to the CFPB, as XXXX has, specifically by XXXX XXXX, Senior Vice President/Chief Credit Officer, in XX/XX/year>. I filed several CFPB complaints around XX/XX/year> against XXXX for their refusal to review my account for a lower interest rate. In response to CFPB complaint # XXXX, XXXX XXXX stated XXXX " we [ XXXX ] do not change the tier and corresponding APR on existing credit card accounts. This policy has not changed and it is nonnegotiable. '' In a separate complaint I made earlier that year he stated, " The assigned credit tier does not change for the life of the account. '' The only way rates changed, I was told, was if the Prime Rate changed. Since this was the company policy, I accepted it and moved on as a happy customer in the years since, always paying my bill on time and never exceeding my credit limit. However, today I received three letters from XXXX, one for each of my respective credit cards, informing me that pursuant to their terms, they were in fact changing my interest rate. Specifically, they were increasing the purchase and cash advance interest rates on all my cards to 17.99 %, a whopping increase of more than 5 % in the instance of my gold card. I was shocked! A company that repeatedly told a government agency, the CFPB, that they do not change the interest rate on their cards, hiking interest so blatantly. Put aside the complete lack of respect XXXX is showing for longtime customers by raising rates on existing cards as opposed to just new ones, they should have to abide by the policies they set out in response to the CFPB. The CFPB is not the BBB or some non-government agency. Responses to the CFPB should mean something and companies should honor what they say.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

XXXX XXXX XXXX, in XXXX XXXX Florida scammed me into a bundle that I did not need I was told with or without what they put on there I was to end up paying the same amount which left me no choice but to get the one that said it would be a better person for me and cheaper, but it turns out that was not the case at all they ended up borrowing more money from the bank for my loan the finance guy told me with a bundle I would end up paying way less interest, but never told me I would be borrowing more money instead originally it was supposed to be for XXXX and change the ended up borrowing {$53000.00} and change after looking at my contract I noticed thats what they did I went back and asked them to remove the surface protection, exterior protection, and the key replacement that they added to my plan a new finance manager told me they were not able to remove it, and even if they did, it would not make any difference. I told him OK nothing was ever added to my car because I purchase my car late at night and all the departments was already close he tried telling me that they added the surface protection even before I took my car home so I asked him how come I was charge for some thing that was already put on before I purchased it he had no answer for me. He simply told me that it can not be removed from my loan because I already signed for it. These finance managers are crooked. They should be ashamed of themselves taking advantage of people like that, and drowning them in debt thats was not necessary but is good for their gain
Consumer complaint received 2023-05-26
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: SYNCHRONY FINANCIAL (NY)

SYNCB/JCP XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} XXXX XXXX : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
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. (FL)

I sent my FTC report, XXXX  Drivers license by certified mail to XXXX, XXXX, and Equifax. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

In XXXX of XXXX with Associated Bank in XXXX, WI I had an unauthorized charge of {$180.00} to my Checking Account coming from XXXX XXXX. On XX/XX/XXXX of XXXX a fraud report was created which it came back as the purchase was valid which it wasnt. On XX/XX/XXXX of XXXX a Police report was created with no answers so far. Today as of XX/XX/XXXX I had to pay off that balance in which was due in order to avoid the charges being sent to Collections.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

Name : XXXX XXXX Phone # XXXX Email : XXXX Collector Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX RE : Dispute of Debt and Violation of Consumer Rights Dear XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) I am writing to dispute the debt referenced above and allege violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Debt Validation : I have received your communication regarding the alleged debt, but you have not provided the required validation information as outlined in 12 CFR 1006.34 and B5 of the FDCPA. This regulation states that you must send a written validation notice within five days of your initial communication, containing details such as the amount of the debt, the name of the original creditor, and the date of the last activity on the account.

Failure to Dispute : Furthermore, your actions violate 12 CFR 1006.34.c4i of the FDCPA, which requires you to provide me with a reasonable opportunity to dispute the debt before taking any further action. I have not been afforded this opportunity.
Consumer Reporting : Despite the lack of validation and dispute opportunity, you have reportedly placed this debt on my consumer report. This constitutes a violation of 12 CFR 1006.34 ( d ) of the FDCPA, which prohibits debt collectors from reporting inaccurate or unverified information to credit reporting agencies. Additionally, it violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA, which prohibits furnishing incomplete or inaccurate information to credit reporting agencies.

Demand : I demand the following immediate actions : Provide written validation of the debt as per 12 CFR 1006.34 and B5 of the FDCPA. 
Cease all collection efforts until the debt is validated. 
Remove the debt from my credit report if it has already been reported. 
Provide written confirmation of these actions within 30 days. 
Further Action : Please be advised that if you fail to comply with my demands, I will be forced to pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel. 

Sincerely, XXXX XXXX