davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 XXXX. XXXX, XXXX XXXX XXXX reported a late payment to the credit bureau.XXXX XXXX  violated my rights Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., ( is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies ). 
this violation occurred by XXXX XXXX XXXX XXXX  reporting negative information to the credit bureau on a accommodated account that was in good standing to which the account was not late under above state cares act. 
XXXX XXXX XXXX XXXX  also violated, my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) by reporting incorrect and inaccurate information to the credit bureau. You are reporting {$0.00} balance and never late on my XXXX report with a {$8600.00} balance on my transunion report and never late. With a balance on my Experian report of {$8600.00}. The monthly payment is reporting differently on all the credit bureau as well. This information is all coming from your company so it should be reporting the same but its not therefore this information is inaccurate and incorrect,
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (CA)

I recently got into a car accident where the vehicle got totaled. My insurance company is going to pay XXXX. I called the company to get a payoff quote so there is a XXXX balance with my insurance calls. Thats when I went back and looked at my contract and I was charge {$46000.00} for a XXXX  XXXX XXXX. I have been struggling to pay this monthly and have asked for extensions that Ive gotten granted only twice. They are only out for money and I feel like they are breaking the law with the 28 % interest rate that I did not notice. Granted I shouldve looked at my contract, but I was happy that I was approved for a vehicle at the time
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I have TD bank visa card. I have my card on auto-payment with TD bank. They charged me late fee of {$35.00} in XXXX and XXXX. I called them on XX/XX/2022 and they told me that your auto-payment was rejected due to insufficient funds. I told them that its only {$35.00} and I have more balance in my account than this amount and told them that I have bank statements. They checked and told me that they will reverse the charge as it is the mistake of TD bank, and this month same problem happens with multiple customers. Then I checked that same problem happened in XXXX and they charged me {$35.00}. I called them again that kindly adjust this {$35.00} of XXXX as well. So, I explained the whole story to new customer service representative, and she just kept telling me : it is due to insufficient funds and refuse to listen to me further and just drop the call.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NJ)

I was involved in a class action suit with XXXX XXXX  XXXX because of fees and their reporting inaccuracies on my consumer reports such as XXXX and early warning. I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from XXXX, and Early Warning as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact XXXX and Early Warning as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681S-2 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-07-04
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: T.S. Holdings (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

IQ DATA INTERNATIONAL INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023, an unauthorized EFT transaction was submitted to my USAA checking account. On XX/XX/2023, I saw and disputed the EFT transaction with USAA, and with the merchant, XXXX. XXXX could not find authorization so they agreed to investigate and reverse the charge. After speaking to XXXX I contacted USAA again to request a provisional credit and provided USAA with XXXX 's complaint number. On XX/XX/2023, I tried to log into my USAA account but my access has been denied. I contacted USAA via telephone to inquire about gaining access and was told that the fraud department has locked my account for 7-10 business days while they investigate the dispute. USAA does not have brick-and-mortar access so the only access account holders have is online. When I reported/disputed the transaction I was not given notice that access to my account would be denied nor could I find any disclosures that provide notice regarding denying access to one 's own account while they investigate a disputed transaction. Locking account holders ' access while USAA investigates fraudulent and/or disputed transactions is intended to chill account holders from submitting disputes.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Albert Corporation (IN)

Albert banking. Signed up for this through a referral. Never got the {$20.00} referral bonus either. Since then, I was charged {$6.00} weekly, and then another charge of {$9.00} XX/XX/XXXX. Tried to close account and was REFUSED for XXXX business days and would still be charged the {$6.00} again in meantime. Then after trying to close multiple times, I was then charged a yearly subscription fee of {$140.00} that I did not authorize. There is no actual customer support over the phone, only via text and this is unacceptable. They are saying they'll refund me for the overdraft fees, but am not counting on it. Now I'm out over {$170.00} for a card that I did not authorize any of these transactions for.
Consumer complaint received 2023-07-04
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: TrueAccord Corp. (MO)

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between True Accord LLC and Affirm INC As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-07-04
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: Capio Partners, LLC (GA)

I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.
Consumer complaint received 2022-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (WI)

I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added XXXX debit cards to my checking account. I reported fraud with XXXX XXXX  and closed all my accounts and reopened new ones. I then contacted the XXXX credit bureaus to add a fraud alert. On XX/XX/2022, I noticed XXXX derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by XXXX XXXX XXXX and XXXX XXXX in the amount of {$78.00} reported by Receivables Performance. I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions
Consumer complaint received 2022-12-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I contacted XXXX on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to XXXX via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the CS rep on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to XXXX. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of XXXX. I was resent a new request form on XXXX. I was not able to complete the 2 fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that Monday. 
I was successful. I contacted the XXXX to ensure my paperwork was received on Tuesday morning, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow 2-3 business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to one month installment payment to avoid a 60 days late payment, since now I know that XXXX does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX holiday. I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.
Consumer complaint received 2022-11-11
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (CA)

Linebarger Goggin Blair & Samson LLP. On XX/XX/XXXX. Attempting to collect a debt in the amount of {$1000.00} dated XX/XX/XXXX for the amount of {$560.00}. For a XXXX XXXX XXXXt XXXX. Another XXXX  dated XX/XX/XXXX, for the amount of {$490.00}. For a XXXX XXXX XXXX. I have no knowledge of this information
Consumer complaint received 2022-11-11
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: Eastern Account Systems of Connecticut, Inc. (MI)

I have worked on my credit dilliently for a number of years and suddenly get a Collection for {$640.00} from Eastern Account System on behalf of XXXX XXXX. I do not owe them any money. I attempted to get details on when the debt was incurred and for what address, etc and I was unable to from Eastern. I disputed it through the bureaus and did not get the information either.
Consumer complaint received 2023-06-13
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
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. (TN)

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 this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}