davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX on XX/XX/XXXX reported 30 days late. This is inaccurate there is still a pending payment for {$40.00} that has not posted but says posted/ pending posted.im guessing this is was caused an automatic reporting which is not correct because payment was made in time. I also called that week XXXX XXXX can pull the recorded call to their office. I understand this is an error but please remove the recent late payment.
Consumer complaint received 2022-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX from XXXX is a check acceptance company. XXXX and Bank of America have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using Bank of America Checking account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like XXXX, XXXX, and Bank of America who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by XXXX. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) XXXX has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the XXXX website 3 ) XXXX has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have XXXX release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to XXXX using Complaint Codes XXXX and XXXX.
Consumer complaint received 2023-07-14
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: TOYOTA MOTOR CREDIT CORPORATION (SC)

I submit a mail certified letter to Toyota on XX/XX/XXXX explain whats going on with this car loan the is not supposed to be on my name I want them to reside this debt on my credit report
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Starting on XX/XX/18 I attempted to get in touch with Experian to lift a credit freeze I placed on my account. There are no options available on their phone system to lift a freeze, only to place one.  There is no option to reach a human being on their phone system either. I checked through all of the options. 
I attempted to do this online it it told me that it was unable to process my request at this time and to call the same number I already called, which gives no option to solve the issue that it can not be processed online at this time. it also gives no ability to contact a human being. 
Last week and this week I attempted to do this online several times with the same result everytime. I attempted to try it through their phone system multiple times. 
Eventually I gave my information to the the Experian phone system option for Fraud Alerts because I thought they would call me back. Instead it automatically placed a fraud alert on my account and notified both other agencies of a fraud alert too!! 
Do you know how much trouble I am going to have to go through with all of my financial institutions with a fraud alert! 
Seeing as these credit bureaus have absolute power over anyone 's use of credit, bank accounts and any money transactions not made with cash this is unbelievable that they can get away with giving you no way to lift your credit freeze and then also no way to stop this fraud alert. 
I sent two emails to the Experian customer support address with no responses at all. 

This disturbance to the financial, mental and emotional well being of a person because Experian takes no real responsibilty in making access to actual customer service to deal with these issues. Yet they have full power to enact a fraud alert without confirmation and keep a credit freeze that is not desired. 

How can a company with this much power over our lives ( your 's and mine ) be allowed to operate in such a way that you can not contact a person at all to address such issues. 
They can lose all our personal information so we all have to live with freezes on all our credit to protect ourselves and lift them temporarily as needed and yet offer no way to contact them in real time whatsoever. 
I can not believe there is anyway in the world you are not getting 1000 's of complaints related to similar issues with the ability to contact and resolve issues with Experian. 

This does not seem like it should be a legal business practice for Credit Bureaus. 

Thank you XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

Subject : Demand for Monetary Compensation to Prevent Legal Action Dear IQ Data International I hope this letter finds you well. I am writing to address a matter of great concern regarding the actions of IQ Data International and the significant impact it has had on my life and financial well-being. 

It has come to my attention that your company, without my explicit consent, purchased my personal information and attempted to collect a debt that I did not owe. Subsequently, after failing to adequately verify the information, you were compelled to delete the account from reporting. This incident has caused substantial harm to my creditworthiness and has had severe consequences on my ability to secure stable housing and obtain credit. 

The inaccuracies in your reporting have not only resulted in financial setbacks but have also created undue stress, especially considering that I am the primary provider for my family, which includes XXXX XXXX XXXX and an XXXX XXXX XXXX XXXX XX/XX/2024. 

Given the gravity of the situation and the adverse impact on my life, I am hereby demanding monetary compensation in the amount of {$8000.00} to rectify the damages caused by IQ Data International 's actions attempting to collect debt of {$16000.00} I did not owe. This compensation is sought in order to mitigate the financial hardships I have endured, including denials of credit applications and challenges in securing suitable housing for my family.
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

As of today XX/XX/2018my ancient balance is XXXX. My original loan was with Sallie Mae it was sold to navient and when I was contacted by them it had doubled now over triple my original loan amount and they expect me to be able to pay this. The payments they want me to make are high and I am single parent unable to and ethically don't want to because of how they fraudulently added so much money to my loan. Why am I being asked to pay XXXX   extra on a XXXX dollar loan? I would like to be part of your lawsuit against Navient. They are crooked. They will offer ypi deferment or forbearance bit after that your balance is 5 to 6 thousand higher each time. My loan was originally XXXX   now the balance is XXXX. Ridiculous.
Consumer complaint received 2023-12-24
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. (MD)

XXXX, Equifax, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Consumer complaint received 2023-12-24
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. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Equifax, XXXX the consumer reporting agencies in question, in reference to my initial complaint. 

In my original complaint, I detailed my deep concern and dissatisfaction with XXXX 's, Equifax and XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

I have attached a copy of my original complaint for reference. 


To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. 

I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. 

I request that the Consumer Financial Protection Bureau takes appropriate action to ensure XXXX, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit plans. 

I appreciate your attention to this complaint, and I look forward to your assistance in resolving this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (MO)

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e .

It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 
I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as 3 days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

accountXXXX XXXX XXXXXXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NY)

Ive never received my loan paperwork from Flagship Credit Acceptance. The loan company has recently updated the website and changed the account numbers. As Ive been making payment the payoff amount and payment vary. For months I was never able to access statements of any kind. Recent that feature has been given to me and my statements show random fees that have no explanation. I took a screenshot of my pay off amount in XXXX. I paid on my due date. The payoff amount was {$19000.00}. I took a screenshot of my payoff amount today XX/XX/XXXX ( my payment date ) the payoff amount is $ {$20000.00}. I dont know what my interest rate is because I have never received my loan paperwork. The dealership told me that the loan company would send me the signed paperwork in a couple of days. They never did. I was told my payment amount and the dealership told me verbally that my interest rate was 13 %. My original loan amount was around {$23000.00} in XXXX. Despite making XXXX payments my pay off amount has never dipped below {$18000.00}. Ive used online calculators to try to figure out when I would have my loan payed off. I was never told by the dealership how long the loan was for but I saw on a credit report that it was a 7 year loan. When I ran the calculation to estimate what my loan payment would be for a {$23000.00} ( this amount includes taxes, title and tag fees ) I get a number around {$400.00} not the {$610.00} Ive been paying monthly. As of now I have no way to verify what the original loan amount was nor my interest rate since I dont have any of the paperwork and its not available in my online account. In all of my previous auto loans Ive always been able to access this type of information and Ive always received my paperwork. Ive had an issue with Flagship before about incorrect charges. I had to call them and let them know that my monthly payment was {$610.00} not the inflated amount that they showed on my dashboard and they corrected it in their system. I didnt have the same issue again until recently. Now they sometime show my payment due as lower than {$610.00} but I always pay {$610.00} because I dont trust them and the only thing I have from them is an email that says my monthly payment is {$610.00}. Furthermore, I dont believe they have an accurate list of my payments or the amounts that I have actually given them. Im in the process of collecting all of the screenshots and XXXX I take when I make a payment but I know for a fact that I have already paid them more than the original purchase prices of my car. I called them today to ask about how to do a voluntary surrender of my car and that said that it was an application process that is approved on a case by case basis. The person on the phone said it is approved if the person who is reviewing the application wants it to be approved.
Consumer complaint received 2023-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I have no idea what this is about. XXXX in Ohio sent this to XXXX XXXX in California, and they sent it to XXXX XXXX in New York, and they sent it to XXXX XXXX in XXXX. No one will answer any questions about this more than twenty year old matter. I was never served any papers, nor was I given a court date to challenge them. As I was unaware of the case, court location, date and time, I was unable to appear to defend myself. XXXX years later, I just found about a judgement against me issued by a court, because I didn't appear. How was I able to challenge these false accusations as they hid it from me for XXXX years? Where is justice?
Consumer complaint received 2021-08-27
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: DISCOVER BANK (NY)

the following accounts appear on my credit report, without any authorization, they do not belong to me, they are hurting me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (AR)

My Daughter came in this summer she got in my mail and opened XXXX credit cards in my name on my phone. I have received XXXX bills I have no idea where they came from but she has done this to my XXXX XXXX XXXX Mother before so I know this is what happened. She is XXXX  I am raising her XXXX XXXX XXXX son the other XXXX boys are with some of my family. She has no address no number I couldnt begin to find her. 
Thank You Kindly, XXXX XXXX
Consumer complaint received 2023-05-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America still has not responded to my plight, all required time has been given to release my funds. While my account has had multiple close and freeze dates Bank of America has violated my consumer rights. Freezing and locking and closing my account for 3 months now not allowing me to withdraw anything. Yet BOA still pay and except fees from the account. Thus this act trumps any fraud activity. Same process operations for recent lawsuit against B.O.A. Taking money from consumers at will still no policy changes so still same illegal, unethical maneuvers stemming from an outdated unscrupulous fraud department. I request compensation asap I have suffered hardship unimaginable.
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (SC)

am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my NETSPEND card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX