davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (CA)

TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last XXXX of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..
Consumer complaint received 2024-04-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (TX)

My Marcus by Goldman Sachs savings account had fraudulent activity three unauthorized transactions at {$5000.00} each on XX/XX/XXXX to an account that was not in my name and that I did not authorize. I received a call from Goldman Sachs in early XXXX notifying me of the suspicious activity and I immediately filed a formal dispute. 

After an " investigation, the transaction was determined to be authorized and correct ''. When I continued to dispute the claims, the representative said they could not give me any more information and told me to call the bank that the transactions where distributed to ( Password Bank ). When I called the bank there was not any options to talk to a representative, rather it was a self-serve//automated experience. I am at a loss of what to do and feel I have made every attempt to rectify the situation. 

I have refiled a dispute, but do not believe that the decision will be overturned given that there is no new evidence.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

I went to purchase a car at Florida XXXX XXXX XXXX in XXXX Florida. I got a XXXX XXXX XXXX. I returned it the next day because it was unsafe to drive. They promised to fix it but they never did. I was given a loaner ( XXXX XXXX XXXX XXXX ). two months later Ally Financial was calling me for payment for the XXXX. I explained to them I'm not paying for a car I don't have and wanted the XXXX of my name. The general manager agreed to send the check to Ally to get the XXXX  of my name. I believed him because I was uneducated at that time and didn't know my promissory note was payment for my car. I agreed to come and pick a different car. I picked the XXXX XXXX. I noticed Florida fine Car consolidated the XXXX into my new contract as a trade in. I asked why they were doing that. I was told that's what had to be done. About one month later, I noticed the XXXX  was fully paid for on my credit. I called Ally and requested a fully paid letter and the tittle. I was told the tittle was sent to the dealership and a copy of a fraud contract with fully paid letter was sent to me. I started researching and educating myself. XX/XX/XXXX Ally financial started harassing me, my family and my job via phone calls. I was asking proof I owe them money from XX/XX/XXXX verbally and by certified mail. In that letter and verbally, I also revoked Ally financial right to repossess my car. They only responded to one letter that reads I have no power over them and had XXXX XXXX XXXX stole my car on XX/XX/XXXX. I believe Ally is turned my security to a bond and trading my car. I need a forensic audit report also please.
Consumer complaint received 2023-03-10
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MO)

My last complaint was closed against my satisfaction. Credit Acceptance is a predatory lending company that relies on pages and pages of jibberish designed to confuse already stressed car buyers. Credit acceptance knowingly partners with car sales companies that hide major mechanical issues in the vehicle from any sales disclosure. Then they charge additional fees on top of outlandish finance charges. All this predatory lending practices are targeted at people who are already in trouble financially! this is a predatory company that should be reported to federal authorities for sanction.
Consumer complaint received 2024-04-05
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: TD BANK US HOLDING COMPANY (MA)

Td credit card account XXXX. Was open fraudulently after my identity was stolen I have contacted all partys including td bank and all 3 credit bureaus at one point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal identity theft report with law enforcement and attached a copy of the report to this complaint
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX a fraudulent chargeoff was added to my experian credit report by XXXX XXXX. I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff. I received a brand new chargeoff reported on my experian report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost XXXX points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called experian they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico scores went down XXXX to XXXX points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation.
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DC)

I have seen a debt collection on my credit report, so i contacted the company to first notify them that i am unaware of the debt and they needed to verify the debt or else remove it out of my credit report. they have verbally told me the original creditor without much details.I told them that i am no longer a customer of that company and that i have paid all my dues before my new company sent them a cancellation letter.Up until today, i have not received anything from them while the debt is still showing in one of the credit reporting agency and removed from the other two reporting agencies.
Consumer complaint received 2023-02-11
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. (CA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: VYSTAR CREDIT UNION (FL)

I had XXXX in CD  at my credit union that I opened up on XX/XX/XXXX for a term of three years. I was so busy this past month that I forgot about the cd is maturing on XX/XX/XXXX. The credit union didn't send me a reminder that my cd is maturing. They automatically renewed my cd for a term of three years at 3.2 %. When I tried to change the term of the cd to a shorter period, the credit union said they'll penalize me with 180 days worth of interest or about {$3800.00}. Is that legal? Other banks or credit unions will forfeit the interest from the the time the cd was opened to the time the term of the cd is changed. Please help. Thank you.
Consumer complaint received 2023-03-07
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)

I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My husband ordered merchandise from a company online via XXXX. XXXX charges were deducted from our checking account {$15.00} and {$25.00} to a company XXXX  I filed a dispute with Chase bank due to fraud. Never received the merchandise and after doing checking this is a company out if XXXX that is scamming hundreds of people per XXXX and internet. The XXXX was familiar with them and said they provide tracking numbers that are bogus or they mail a pencil or something of no value. The tracking number Bets they provided to the bank one of them is not our zip code We never received the merchandise. Chase refuses to credit our account due to tracking numbers which are worthless according to XXXX We are XXXX and XXXX XXXX XXXX and live on fixed income. It is the principle of thing that XXXX banks are letting these crooked foreigners taje our money. 

Thanks for your time
Consumer complaint received 2022-04-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2019-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NY)

Our loan agreement ( Paragraph 5 ) describes how the monthly interest rate is calculated. It is based upon the prime rate reported in the XXXX XXXX XXXX plus 1 % and the monthly billing cycle applied by the bank. The XXXX XXXX XXXX lowered prime on XX/XX/2019 - no rate reduction was applied by the lender on either the XX/XX/XXXX loan statement nor the XX/XX/XXXX statement. No explanation of any sort has been provided despite repeated attempts to contact the bank and its loan servicing agent - by phone, e-mail and letter. Please realize that this policy of the lender likely affects thousands of borrowers, not just our loan account.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CO)

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ).

It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress.

I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Experian I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Consumer complaint received 2024-01-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of the South, Inc. (LA)

My name is XXXX XXXX, and I am seeking help in resolving a bill from Delinquent Recovery who represents XXXX XXXX apartments. I was evicted around XXXX. I recently applied for an auto loan and a collection with Delinquent Recovery came up showing I owe almost {$2600.00} to Delinquent Recovery, who represents XXXX XXXX apartments. 
I reached out to management and asked them to mail or email me a copy of the certified letter they sent me with a breakdown of the fees stating what needed to be fixed, or any pictures within the allowed 30 days by law. Unfortunately, no one is willing to give me any information therefor this account needs to be removed from my credit report ASAP. 
If you have any questions, please contact me at XXXX or by phone XXXX
Consumer complaint received 2022-04-16
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)

With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.