davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-26
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX  XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (DE)

This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX. 

In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!! 

On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily. 

On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX! 

They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors. 

I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown! 

I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!
Consumer complaint received 2023-05-17
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. (MA)

In accordance with the Fair Reporting Act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXX # XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!
Consumer complaint received 2021-01-09
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-07-04
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

CHIME this scam of a company, put my account on hold without letting me know. Now they want a picture of my social security card that I as a victim of fraud am not obliged to give them and they want my social its a violation of FCRA! They put my account on hold and holding my money I have insurance Ach and other ACH that if they will bounce they will be subject of lawsuit. You have to stop this mafia! I gave them federal ID plus my bank statement! Now they dont have the right to ask me anything, when I opened my account nobody wanted any of these documents. Im on the line with them for 1,5 hours they dont answer the phone, dont respond to emails only after 3 days!!!
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent out a 609 FCRA letter on XX/XX/2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (OR)

On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX  XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX  '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business.
Consumer complaint received 2021-01-09
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)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says the account was open XX/XX/XXXX. Please investigate for removal. 

XXXX XXXX XXXX says opened XX/XX/XXXX Acct # XXXX on credit profile. 
I have tried numerous times with the credit bureau and they have not removed this item. I filing a complaint to have it removed. 

XXXX XXXX XXXX - XXXX Acct # XXXX opened XX/XX/XXXX. Debt has to be removed. This is incorrect. 

XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Please remove Reporting Inaccurately XXXX XXXX XXXX Acct # XXXX Please remove Inaccurate reporting
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

I received a call from COLOMBIA DEBT RECOVERY DBA GENESIS on XX/XX/2022. A rep for the company stated that " I have a past due balance in the amount of XXXX for an apartment lease with XXXX XXXX XXXX ''. I notified them that I am not the individual whom they are looking for and i requested that they validate that they have the correct individual by verifying the name, social security number and Dob And drivers license number. The confirmed that the LICENSE PRESENTED AT THE TIME OF THE LEASE SIGNING WAS NOT MY LICENSE. However, the social that they were presented with was my social number and dob. I requested for them to reverify and remove this fradulent account from my credit report and they denied.
Consumer complaint received 2023-01-01
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. (AL)

On XX/XX/2022, I submitted a letter and I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-09
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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2023-01-01
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. (MD)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX : # 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.