davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Before applying for a card I called to see if I would have instant access once approved. I needed an XXXX XXXX XXXX. I was told YES that I would have instant access via digital wallet with XXXX XXXX, XXXXXXXX XXXX, and she listed 3 more. 
I was approved immediately and no access. After speaking to 4 representatives I was told some people get an email directing them to digital wallet instant access. I asked why not me? No answer. I believe it is all lies to get customers. One representative told me I would have access in 48 hours. Another told me I would have to wait 7 days for the card. Another told me someone would get back to me within 2 days. I believe the representatives are told to lie about instant access to get customers.
Consumer complaint received 2024-05-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have recently did a dispute with this company and they have failed to remove the account. I have a letter from a judge stating that they have to dismiss the dispute without prejudice due lack of prosecution. This is affecting my credit to where i can't buy a home.
Consumer complaint received 2024-01-31
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: FORD MOTOR CREDIT CO. (NY)

My Ford car lease expired on XX/XX/24. I had been trying for weeks to either extend my car lease for an additional few months, or get another lease. I was not getting anywhere with obtaining an order number for a new car lease, so my car salesman ( who my family has been using for years ) was now solely working on obtaining an order number for an extension on the lease. I followed up with him daily to see how it was going with the order number and he said they were having extreme trouble getting order numbers in general for all customers. I sent in a personal check for another month for the car lease of my usual {$310.00} to Ford credit company and they cashed it on on XXXX I have always done auto pay so I have never paid for a payment over the phone or via mail ( you can check as I have never had a late payment in my life ). This entire situation has been very confusing as I do not understand why Ford would not give me an order number to extend the lease. I work XXXX jobs, pay my bills on time, my family and I have been loyal customers for years on end at Ford, and I tried my absolute hardest to obtain an order number for the extension. On Sunday the XXXX, I woke up to an email from XXXX regarding a past-due balance and that my credit score was negatively affected. This has been very upsetting because I am in the process of moving out and my credit score is now going to be a factor in if I get approved or not. My credit score has been a steady XXXX. This one missed payment brought down my score XXXX points. Again, I have never missed a payment ever in my life especially regarding the car lease. I am outraged that Ford would/could affect my credit score by - XXXX points. This is truly impacting my life in the worst way, adding extreme stress and frustration. I called Ford credit company and they told me they couldn't help me, but would escalate to the supervisor. This conversation occurred on Monday. I asked to be transferred to the supervisor, but I was told the supervisor will call me back as a ticket has been put into the system. It is now Wednesday the XXXX and I still have not heard from them. Ford did not provide me with a number to the supervisor either, so I can not even follow up with her/him.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/ I sent a XXXX payment from my bank, Ally Financial, to XXXX XXXX. On XXXX I received an email from Ally saying they XXXX payment failed. The funds have not been returned to me since. I contacted Ally on XX/XX/ asking when the funds will be returned. I have been contacting them every couple days since that time to get an update.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX  account number : XXXX Opened : XX/XX/XXXX Last active date : XX/XX/XXXX Reported : XX/XX/XXXX Amount {$1700.00} Debt Rec XXXX Account number : XXXX Opened : XX/XX/XXXX Active : XX/XX/XXXX Closed : XX/XX/XXXX Amount : {$620.00} Portfolio Recovery Account number : XXXX Opened : XX/XX/XXXX Active : no date reported Closed : no date reported. 
Time was spent calling XXXX, and XXXX, And typing out dispute letters, looking at credit reports. Time was spent going back-and-forth to the post office. Time was spent finding errors on my credit reports. Time was spent calling XXXX and XXXX multiple times. Time was spin filling out envelopes. Time was spent printing and signing dispute letters. Time was spent filling out USPS certified mail forms. Time was spent in the line at the post office.
Consumer complaint received 2024-01-29
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. (PA)

I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX XXXX balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete immediately.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX
ACCOUNT XXXX XXXX  
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX


DEAR XXXX XXXX XXXX XXXX,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, XXXX  & XXXX  )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, XXXX  AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX, XXXX  & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

LATE PAYMENTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Consumer complaint received 2024-04-05
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. (IA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-01-29
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.
Consumer complaint received 2024-04-05
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)

Opened 2 new accounts XXXX XXXX XXXX XXXX. Deposited over ) XXXX. Bank representative offered me credit cardXXXX XXXX. Only gave me {$2500.00} credit line. Suggested I appeal. Having necessary tub/shower conversion due to XXXX XXXX XXXX. Cost {$6800.00}. 
I have XXXX investment accounts and 3 pensions and an annuity. Received letter stating Experian said credit only XXXX!!! Could useXXXX  product premium for {$9.00} XXXX  and purchase at least 2 of their credit cards which would return credit score to XXXX! 
Is this a bribe or just a scam? Also, Elder Abuse.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to bring to your attention the ongoing issue I am experiencing with Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax to address the following discrepancies on my credit report. Unfortunately, to date, there has been no response from Equifax. 

Details of the inaccurate information and the required corrections are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request correction/update of inaccurate information.
Consumer complaint received 2023-09-15
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)

XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed XXXX complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.
Consumer complaint received 2024-01-29
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-04-05
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)

Balance $ XXXX - {$1000.00} I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Consumer complaint received 2024-01-29
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately.I had two late payments on account that I was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy.This account has not been on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-05
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. (MO)

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Request Pursuant to 15 USC 6802 Dear XXXX  XXXX Customer Service XXXX I am writing to formally request to opt-out of the sharing of my personal information as permitted by the provisions of 15 USC 6802. I am exercising my rights under this law to prevent XXXX XXXX from sharing my personal information with any non-affiliated third parties, except as permitted by law. 

Please cease any sharing of my personal information with non-affiliated third parties as soon as possible, and ensure that my personal information is protected in accordance with the law. 
Below are my account details for your reference : I would appreciate your confirmation in writing once my opt-out request has been processed. You can send the confirmation letter to the address listed above. 
Thank you for your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi Portfolio Recovery / XXXX XXXX  I'm not liable for this XXXX XXXX  original company, and i have never had any contractual obligations with this collection company XXXX. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

Notice Of Dispute and Intent To Sue For Negligence and FCRA Violations and Privacy Act. Ive Stated to Equifax That there are Unauthorized Data Listed on my Inquiry Section on My Consumer File Listed With ( Equifax ) they Stated Inquiries are FACTUAL when in fact they are inaccurate and Unverifiable information due to the Fact none of my Household members have any open accounts or Requested any information from such Companies I DID NOT AUTHORIZE the Companies listed below to furnish any data on my File Remove these Inquiry Items Immediately SEE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-29
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.