davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (MO)

On about Thursday XXXX of XX/XX/XXXX, I reached out to paragon after realizing I have an account reported from medical treatment I received on about XXXX of XX/XX/XXXX at XXXX XXXX XXXX. At this time I was not advices or given the option to apply for financial assistance or charity care or any other government assistance or programs under the affordable care act due to me falling under the poverty guidelines. 

I reached out to Paragon Revenue Group on the XXXX of XXXX Their representative XXXX answered as I attempted to receive information from XXXX. He refused to give me my information. He proceeded to pressure me to pay that I had to pay it was on my credit will remain there and ruin it if I dont pay. Was very aggressive on assisting I make a payment. I explained to him I was unable I was going to apply for financial assistance he aggressive stated it to late I must pay. Got personal asking personal trying to buy. Im not trying to buy anything just want this taken care of, as he continued to press the issue. I just said anything that came to mind in hopes hell give me my information as I continued to randomly ask during conversation. After I gave him anything that came to mind he then get personal asking well how can you buy anything if you cant afford the bill. At this point Im highly agitated asking him for my information. After I saw Id get nothing. I hang up called back four times. Three times getting him the fourth time I got a lady who finally gave me the information on the account.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a QuickSilver Capital One Credit Card Account and a Spark Business Capital One account. On XX/XX/23, I attempted to pay the full balance of these two credit cards from my Capital One Checking account. However, both payments were rejected by Capital One and sent back to my checking account. I called Capital One and they were not able to provide me with an answer as to why these payments kept getting sent back to my Checking account. Capital One is still charging me 31 % interest on two credit cards that they are refusing to let me pay off. This feels illegal and unfair. I would like to be able to pay off these credit cards and close these Credit card accounts.
Consumer complaint received 2023-02-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Account, 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 2023-03-14
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: Global Lending Services LLC (TX)

15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2.

Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I discovered that Ally has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( Ally Financial ).

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to
consumer reporting agencies.

I am formally putting Ally Financial on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting.

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter.

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports.

I expect prompt and satisfactory resolution to this matter.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (WA)

XXXX Accidently stumbled upon information that TD BANKS, USA filed a civil lawsuit against me on XX/XX/year> while searching for information that was unrelated. I have never received any notices in the mail nor been served, however the time limit to respond has already exceeded thus I can not stop the impending judgement that will be granted against me and they will freeze my bank account and garnish my wages. 

XX/XX/year> - Requested a copy of the original debt via mail. As of today XX/XX/year> I have not received the requested information from them.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All Debt Solutions Inc. dba: 1st Class Agency (RI)

I was recently became aware that All Debt Solutions , Inc. is attempting to collect a debt on a previous account that has been paid in full. Services with XXXX XXXX XXXX XXXXXXXX were complete and all payment was rendered.
Consumer complaint received 2024-04-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

When I updated my BOA account in XXXX of XXXX I put a secondary email address in for alerts because I no longer had access to the primary. On XX/XX/XXXX I made a charge that made my balance {$15.00} after using up a credit from a past overpayment due to the autopay processing even thought there was a XXXX balance. I forgot that autopay had been turned off because it kept processing for some reason so the payment of {$15.00} to bring my balance back to zero was not made. VERY unfortunately the secondary email that is setup for alerts NEVER got any emails saying a payment was due and is STILL not getting and alert emails. I am not disputing that I missed a payment, I am asking BOA to do a onetime update to erase the past due balance from XXXX of XXXX because I never got my alert email to the email that I have setup for alerts. This payment would not have been missed if I had gotten my alert. I have a car loan and XXXX credit cards with BOA and I have NEVER missed a payment and I certainly would NOT miss a {$15.00} payment if I had gotten this alert. BOA should do XXXX things here. They should fix my single past due mark and then fix their alert system to that any email that is entered for alerts actually gets the alerts. That is all I am asking. My XXXXredit score dropped over 100 points because I missed the payment because their alert system is not working properly. I have called XXXX or XXXX times and gone around in circles with them on this and I think they need to do the right thing here. You can see in the images below that I have the alerts set to go to XXXX different emails and then in the next pic you can see they are STILL only sending the alerts to the primary email even though I have BOTH emails checked. I would NEVER have missed this payment if their alert system was/is working correctly.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Failure to verify my account for usage. Tell me that I have to be on another account which I am and still couldnt verify my account. Customer representatives were horrible and continued to hang up on me during my phone calls. I called at least XXXX times in XXXX day. Asked how to file a formal complaint and information for the fraudulent department and they told me they couldnt provide me that information to file a formal complaint!!! Now Im stuck in the XXXX because they wont let me verify my account. Theyre telling me to wait for a letter in the mail thats in the United States and Im in the XXXX XXXX with no access or anyone for that matter to have access to my mailbox. Citi bank sent a verification letter without my authorization for the verification. I gave them all of my information and still wouldnt verify my account. They continuously hung up the phone on me everytime. All the representatives were rude!!
Consumer complaint received 2017-05-18
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. (IL)

Equifax is a fraud. Every time they delete something from my credit report it comes back on after they say they have deleted the item. Prime Example : 1.   XXXX   XXXX   XXXX   XXXX   Was removed on several occasions. I 've included all screen shots. I have a case with them that recently closed on   XXXX   file #  XXXX . On that credit report, it states that this account is currently not reporting on my credit file, however, I 've included a screenshot with today 's date of   XXXX   of my Equifax credit report and I 've also included that screenshot as well. There 's an Illinois Law that protects consumers from the credit reporting agency that protects the misuse of the consumers ' credit file.
To Equifax, On   XXXX   I discovered   XXXX   XXXX   XXXX   XXXX   had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
CFPB I plan to file a lawsuit against the creditor for re-inserting the item under the Fair Reporting Credit Act ( FRCA ). It seems like once I contact you guys about this company and they 're wrongful practice they remove the item and reinsert it connivingly.
Consumer complaint received 2024-04-18
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: TRANSWORLD SYSTEMS INC (PA)

I was trying to buy a house when it was brought to my attention that there was negative items on my Credit reporting and according to the 15 u.s.c 1681 law there should be no damages put on my report! the is defamation to my character.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called XXXX XXXX on XX/XX/XXXX which XXXX XXXX decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to XXXX XXXX several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (FL)

I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )
Consumer complaint received 2022-02-10
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)

y name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-12-06
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Genesis Financial & Payment Systems Holdings, LLC (UT)

this company has been taking money from me for many years and the balance never decreases, i feel they are illegally garnishing my wages as i have never went to court on this issue nor have they obtained judgement, they are in another state then i reside, please help resolve the practices that i feel are illegal and causing me hardship
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

I hope this letter finds you well. I am writing to dispute the validity and accuracy of my student loan, specifically concerning [ Loan Account Number ]. According to my research and understanding of relevant laws, I believe there are grounds to challenge the loan on the following bases : 1. Violation of the Truth in Lending Act ( TILA ) : I contend that the loan agreement provided by your institution did not adequately disclose all the relevant terms and conditions of the loan. This violates the requirements set forth in the TILA, which mandates lenders to provide clear and transparent information to borrowers. 



2. Failure to Provide Required Disclosures : I have not received certain mandatory disclosures as mandated by the Department of Education and other applicable laws. These include but are not limited to the total cost of the loan, annual percentage rate ( APR ), and repayment terms. 



3. Violation of the Fair Credit Reporting Act ( FCRA ) : I have reason to believe that the loan has been inaccurately reported to credit bureaus, negatively impacting my creditworthiness. This potential violation of the FCRA raises concerns about the accuracy and integrity of the loan information on my credit reports. 



4. Lack of Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request verification of the debt in question. I expect you to provide detailed documentation that validates the existence, amount, and ownership of the loan. 



5. Potential Statute of Limitations : I am exploring the possibility that the statute of limitations on this debt may have expired. If that is the case, pursuing collection activities on this loan would be in violation of the applicable laws. 





Additionally, I reserve my right to seek legal counsel and take further action to protect my rights under the law if these matters are not adequately addressed. 



I look forward to your prompt attention to this matter and a resolution that upholds the principles of fairness and compliance with applicable laws. Please acknowledge receipt of this letter by mail or email. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX