davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts! 

The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.
Consumer complaint received 2018-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of which is a charge made on my Capital One Spark Card on XX/XX/2017. I have fulfilled all the obligations of an Identity Theft Affidavit and to have this transaction erased through FCRA 605B. So I am requesting that the fraudulent charge be erased from my so I can have an accurate balance. So I explained to a representative at Capital One that all they could do was dispute the transactions. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus my assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affidavit in the first place this time. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. Cap One is refusing to block the transaction because of a " time issue '' but there is NO time limit on Identity Theft I have sent in an ID theft affidavit so thus this charge MUST BE DELETED if the law is followed.
Consumer complaint received 2021-07-07
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: AES/PHEAA (IL)

Pennsylvania Higher Education Assistance Agency violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave Pennsylvania Higher Education Assistance Agency any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Hello thank you for considering my complaint. Ive never had to deal with this before so its all new to me. My young family of XXXX & I were living in an uninhabitable apartment in XXXX XXXX due to mold ( actual mushrooms growing out of our kitchen ceiling ) & we withheld rent for 24 days and then moved out. The apt was proven uninhabitable by a remediation company that took samples & by the citys code enforcement. After moving out we received a letter on XX/XX/2020 from our ex landlord asking for us to pay {$1800.00} for those 24 days of XX/XX/2020. We wrote a letter back saying we do not owe the debt and the reasons why. Another month or so later we received a debt collection letter from Caine & Weiner ( attn XXXX XXXX ) for that debt that the ex landlord was trying to collect. We sent a dispute letter to debt collector in response within the 30 days. I also sent in a letter explaining to the debt collector explaining why do not owe the debt including pictures of the mushrooms, mold reports, etc. Just recently, we received our 2nd debt collection letter from the same person/collection agency and am not sure how to move forward. Any help would be much appreciated. Thank you very much!
Consumer complaint received 2018-04-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-07-07
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: Uplift, Inc (IL)

Uplift violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave UpLift any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2023-03-23
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. (OH)

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, CORRECT IMMEDIATELY. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reached out to Transunion because I have several inquiries on my account that I did not approve. XX/XX/2021 I unfroze my credit to apply for a auto loan thru my bank which is XXXX XXXX XXXXXXXX XXXX XXXX. I got approved thru my bank and proceeded to a dealer with my approval from my bank i purchased my vehicle thru my bank XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I have a open auto loan on my credit report with my bank. I have several inquiries as if I applied for loans thru all of these other places that I did not. When i contacted Transunion XXXX made it seems as if he could not help me. He stated that it seems as if I applied for credit with them. Under the fcra it is there duty to report accurate information.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I was contacted by the law offices of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX about a Citibank debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XX/XX/XXXX. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (IL)

US Bank 's online account access site, in its Balance Transfer customer flow, states that a balance transfer can not be requested above the cardmember 's total available credit. This is factually false, as US Bank has a secret cap on Balance Transfer requests not disclosed in the CMA and not called out, or even alluded to in the online request screens. This secret cap is known only to customer service agents. When I called US Bank customer service on XX/XX/14, the representative knew about the secret cap but was unaware of how to calculate it. She had to confer with a supervisor for 10 minutes to be able to explain how it worked. She then stated that it would be easy for cardmember 's to figure it out, even though 1 ) it is disclosed nowhere and 2 ) phone agents themselves are unable to figure it out on their own. US Bank should be required to disclose their secret rules for the amount a balance transfer can be requested for. I had to try three times, getting rejected over and over, until someone finally was able to dig up the balance transfer authorization rules used by US Bank.
Consumer complaint received 2019-08-27
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. (NE)

WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened an account with Capital One 360 Bank in 2014 i made some deposit into the account that were placed on hold since then I've been contacting capital one 360 bank Security team to try and get the funds but still haven't gotten the funds left in the account.
Consumer complaint received 2022-12-26
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT
Consumer complaint received 2020-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

We have a HELOC with US Bank. We are trying to refinance our first mortgage and apparently need a " letter of subordination '' from US Bank. We started this process in XX/XX/2020. And have been in contact with US Bank at least weekly since then trying to get them to do their job. We have repeatedly been told ... '' it is being worked on '', " it'll be complete next week '', '' we never received the documents ( or spoke or emailed ) with you '' despite they actually getting all the data/communications that they have asked for, " it is complete and approved and we sent the correct forms '' ( followed by " there are a few more steps before we can approve it '', etc. On Monday, this week, they said they sent the letter. On Tuesday, they said they made an internal mistake and it is not ready yet. 

US Bank has now cost us several thousand dollars by delaying our refinance.
Consumer complaint received 2021-07-07
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. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I XXXX provide for my wife and children.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (WA)

Hello, The credit card that I have never sent me any statement for a while therefore, I never got any notification about paying my bill till I got a letter saying that I owe {$27.00} late fee and {$3.00} in interest. I called the bank to sort it out but they said that they will file a complaint and get back to me. Weeks passed and I see another {$38.00} late fee and {$5.00} in interest added to my account. I call again and they mentioned that there were no complaints that were filed and nothing would happen. They said that they will submit another complaint and get back to me. Someone finally got back to me today telling me that I setup online statements on my own which never happened and they won't be able to refund the fees and I have to pay them. I asked to speak to a manager and they promised a call back but I got nothing. As of today, XX/XX/2019 XXXX XXXX, there is an amount of {$74.00} in fees in my account. I am afraid this will keep increasing with no resolution and dont really know who I should contact. I really never want to use this bank again due to the frustration that they cause to people. I am glad that I am not too old and have to deal with this as this may cause serious health issues to an elderly person. 
Please let me know if you need me to provide any proof or any other info.
Consumer complaint received 2019-08-27
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)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Trans Union : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : Creditor Inquiry Date XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX