davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-12-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (TN)

I originally got a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for {$3000.00} around summer of XXXX, where I was to get {$1000.00} and the rest went into a savings account minus fees, for when the entire amount would be paid off, which was {$2600.00}. I got an email on XX/XX/XXXX stating that XXXX had gone out of business and sold the loan to SST Loans and everything was supposed to remain the same. On XX/XX/XXXX I went ahead and paid the loan off. However, in XX/XX/XXXX & XX/XX/XXXX SST Loans took a monthly payment of {$70.00} each out of my checking account with XXXX XXXX. When I contacted SST Loans about this they said they would reimburse me, that took at least five phone calls over a months time to get them to that point. As well as it also took them being contacted by XXXX Bank & the Better Business Bureau in order to get them to reimburse me the 2 {$70.00} payments that they took out of my account. After they reimbursed me for that, I called them about the savings account where they were supposed to reimburse me for the {$1600.00}, which they said they closed the savings account but would reopen it in order to reimburse me the {$1600.00} that they still owed me, however they would charge me a fee of {$70.00} per day for " interest ''. So they opened the savings account with XXXX XXXX Bank " supposedly '', where the funds were being held, however I contacted XXXX XXXX Bank to inquire about the funds and they had no idea what I was talking about. After this I called SST Loans to inform them of what XXXX XXXX Bank had said and they said I must not have spoken to the right person.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO. (FL)

I contacted Lincoln of XXXX XXXX, as my leased vehicle is nearing the end of its lease term and I would like to purchase my vehicle. I received a payoff which includes the following : XXXX ) Market value selling price of {$23000.00}. XXXX**This does not match my lease buyout amount, so I asked for the payoff that they received from Lincoln Automotive Financial and did not receive it*** XXXX ) Taxable fees ( estimated ) : {$270.00} ***no idea how this was calculated*** XXXX ) Doc Fee : {$990.00} XXXX*I spoke to a manger, XXXX XXXX, who insisted this was authorized by the first page of my lease. I asked several times where it says that and he stated that he does not have a copy of my lease, but they all have it. I told him this is a violation of the Consumer Lease Act and he insisted that he would have to see my lease. I thn sent the first page of my lease, as instructed by XXXX XXXX, to " XXXX '', and received the response that this is the dealer 's cost of doing business and NOT mcharged by Lincoln. In other words, it is not authorized by my lease and therefore a violation of the Consumer Lease Act. *** 4 ) Tax : {$1500.00} ***again, no indication as to how this was calculated*** 5 ) Non Tax Fees : {$560.00} ***No indication what these are for and no indication these are authorized by the terms of my lease*** 6 ) Balance Total : {$26000.00}
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 — Account status incorrect
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I have private XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last XXXX. They corrected some of the late payments reported. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to their website, you have 6 months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my transcript showing i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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. (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

16 USC sub-section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-02
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. (IL)

My personal information was stolen in XXXX XXXX XXXX XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. 
Ive been in contact with police relating to the incident and filed an identity theft report with the XXXX FTC. 
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : 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 XXXX. XXXX, XXXX. 



15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure. 

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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: Experian Information Solutions Inc. (FL)

Company continues to report information that does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-01
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I have been trying to get my credit cleared up with Capital one. I have late payments on my credit from XX/XX/XXXX and prior. When I spoke to a representative about my account at the time of my job loss they had told me that if I was able to get my account in good standing for a year that they would remove the late payments as a goodwill. I have tried for the last 3 years to have them removed and they still will not remove them. I have 3 credit cards with them all have been onetime for the last 5 years. I don't know what more I can do to prove my good faith to them. is there anything that can be done? I feel that they lied about what was needed from me to get the issue resolved.
Consumer complaint received 2022-11-18
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-02-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I purchased a vehicle on XXXX XXXX and got it financed through ALLY FINANCIAL with a monthly payment of {$230.00}. I was making all my payments to ally financial on time and from time to time I was paying XXXX or XXXX XXXX dollars extra. unfortunately on XXXX XXXX I was not in USA and was in my country on a family emergency and since I was paying extra every month I assumed I can pay {$180.00} and still be fine with my monthly payments and would not be late on my account. next thing I know I get an alert from my credit report agency that I have a 30 days late on my car payment. immediately I called up ALLY FINANCIAL and spoke to a supervisor and told him exactly what I just described and he promised me as a courtesy he is going to remove the 30 days late charge. Obviously they did not remove the 30 days late. since then I have been in contact with ALLY FINACIAL and had requested to send to me a copy of all the payment that I had made to them and how it was applied and also requested to send me when they had sent me a note to states they are going to report me to credit bureaus for a late pay.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I opened Checking and Savings accounts with Chase. I attempted to transfer {$2000.00} to the accounts to meet their minimum balance requirements to avoid paying fees. Both account were soon closed. I went into a branch to ask why, but the banker told me he could not give me any information, just that, " at this time Chase has chosen not to do business with you ''. 

On XX/XX/XXXX, I saw that Chase was doing a promotion where you will receive {$200.00} if you open an account and receive a direct deposit within 90 days. I decided to apply for a Checking account with Chase again. I received a message saying " we can not open account for you at this time with the information you have provided. '' On XX/XX/XXXX I went into a branch to ask for help. The banker called the " back office '' to figure out why my accounts were closed. The banker told me that it was because the account I had initiated a transfer from was not in my name. My bank account was opened when I was a child, and was a joint account with my mother. I emailed the banker a statement showing my name on the account, and I was able to open new Checking and Savings accounts with Chase. 

On XX/XX/XXXX I transferred {$300.00} into the Savings account to meet its minimum balance requirement without fees. 

On XX/XX/XXXX I tried to log into Chase 's mobile app to set up direct deposit to my Checking account, but I received a message saying my account was suspended. I called the banker I spoke with on XX/XX/XXXX for help. He called the " back office ''. The banker told me the checking account was being closed, but my restriction had been lifted and I could now sign in again. He recommended I try to open a checking account again. 

On XX/XX/XXXX, I opened a new Checking account. 

On XX/XX/XXXX, I tried to log into Chase 's mobile app but I received another message saying my account is suspended. 

On XX/XX/XXXX, I called the banker to ask why my account was locked. He told me he did not know, and to call the number ( XXXX ) XXXX. After staying on the line for 43 minutes, I was told they do not know why my account was locked. The rep lifted the restriction, but told me that my checking account would close and to open a new one. I said I have gone through this process, and asked what guarantee I have that the account won't be closed again in a few days. The rep said they can not say.
Consumer complaint received 2023-01-03
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. (NC)

In light of recent investigations brought upon Equifax I find my consumer file has benn responsibly tamperered with. Over the past few months I have made SEVERAL attempts to remind Equifax of their duty pursuant to 15 USC 1681. I feel they are intentionally and willfully being neglectful in remedying my affairs. 15 USC 168E [ B ] states I am due promised accuracy in my report based on federal law. XXXX has stated they have verified the account of XXXX XXXXXXXX XXXX with Account Number # # # # # # XXXX. On XX/XX/XXXX I have requested VALIDATION of this account and as of today 's date XX/XX/XXXX, I have not received it. I am again requesting VALIDATION. I am requesting Equifax provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPPA ) authorization they obtained. This is NOT a request for verification as they have stated they have verified the account, but a request for VALIDATION made pursuant to 15 USC 1692g et seq of the Fair Debt Collection Practices Act ( FDCPA ), Since they stated they verified the debt I have requested Equifax provide me with the following information obtained : The HIPPA-covered entity or its business associate provide debt validation for the account in question. 
The debt validation in the form of agreement, original bill and a detailed statement of procedures is required ; if any. 
A breakdown of fees including any collection costs and medical charges, if any. 
A copy of my wet signature with the provider of service to release my medical records to you. 
A report of comparative analysis between the dubious signature and the signature recognized by the alleged signer ; if any. 
A verified certificate of authority, and proof that the company is licensed to collect debt in North Carolina. Include license number, registered agent or agent of service. 
An affidavit signed Penalty of Perjury that your organization hasnt violated any portion of the FCRA, FDCPA, HIPAA.

I informed all parties withholding the information received from any medical provider in an attempt to be HIPPA compliant can be a violation of FDCPA because they would be deceiving me after my written request. I request full documentation of what they received from the provider of service with the alleged debt
Consumer complaint received 2022-12-28
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: Self Financial Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XX/XX/XXXXand opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX XX/XX/XXXXas well.
Consumer complaint received 2023-02-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high five hundred range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
XXXX XXXX XXXX, XXXX