davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-01-29
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 dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (TX)

I got my loan initiated on XX/XX/2021. I received my information to setup on my online banking, and it reflecting that my next payment date was on XXXX XXXX. On XX/XX/2021 I made a payment of {$200.00} which is more than the minimum amount due with the anticipation that it would be applied to the XX/XX/XXXX bill. On XX/XX/XXXX I got an email stating that my payment was late. Which made no sense to me since I had made a payment on XX/XX/XXXX. I called and spoke with a representative who informed me that I made my payment too early, so that even though it was applied to the loan, it did not affect my XXXX due date. I told them I would be making my payment that day, however I wanted them to reapply the payment made in XXXX, to credit my XXXX payment, and the payment I was making that day to credit XXXX. They stated that they could not allocate the payment. I requested a supervisor, who stated they would not reallocate that payment and could not give a guarantee that it would not reflect on my credit, but she would waive the late fee since I was going to be making a payment that day. I advised that should have never been charged a late fee since i was never technically late, having made a payment in XXXX to cover the XXXX payment and now making my XXXX payment. After requesting that they escalate my issue i was told that i would have someone call me back. By the afternoon of the following business day i did not have a call back and I again reached out to Ally to have them make the payment right. They did confirm that it would not reflect on my credit, since they don't report to credit reporting agencies, however they refuse to reallocate my payment to reflect that it was in fact paid in XXXX, and that the payment made in XXXX was for XXXX. All I have asked is that they reallocate my payments accurately
Consumer complaint received 2021-01-29
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. (TX)

I have dispute the accuracy of an account with XXXX XXXX under Section 609 FCRA which requires specific records to be produced by XXXX XXXX as stated in Section 609 FCRA requiring XXXX XXXX to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with XXXX XXXX. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with XXXX XXXX at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the very same misconduct that XXXX XXXX is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for XXXX XXXX to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with XXXX XXXX under Section 609 FCRA.
Consumer complaint received 2023-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

On XX/XX/2023 @ XXXX I called Equifax to dispute some items on my report I was transferred to the bankruptcy department. When I tried to dispute the issue he began to tell my I applied for the item and that it was me etc. I then began speaking to him about the issue telling him that I had reach out to the Maryland Bankruptcy court clerk and was told that they did not report to any credit bureaus that they used a XXXX party furnisher. He then stated that Equifax used the court to verify the information and again I repeated to him what was in the letter that was sent to me and I informed him that the agency or the court was not being honest and could he send me in writing how the info was verified and then he stared getting aggressive repeating saying that I signed the application etc. again I asked for in writing how was the information was verified and could he send me the info he then said oh no it's public record and we can put it on the credit report and I then asked who gave permission to do so and if its that easy can I add something to someone else report because its public information. I also stated to him that if it was an error or a lie about who report the information to the agency all he had to do was send me in writing how it was verified and if it wasn't obtained in a way that comply with the FCRA 611 ( 15 u.s.c 168 ) could they remove it. Needless to say he wouldn't even create the dispute and the conversation wasn't going no where so I ended the call
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was informed by my tax preparer in XXXX XXXXhat my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX. I also see credit inquiries made from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was suppose to receive a {$500.00} bonus after enrolling for a checking account and meeting the requirements. I enrolled in the account online through a publicly advertised link/promotion page from Bank of America XXXX The advertisement did not state that a promotion code was necessary anywhere in the terms. However when I called customer service they stated that a promotion code was not attached to my account and therefor were not able to honor the promotion. I explained that this must have been an error on there end because I used the link on the promotion page. I also stated that the promotion page does not state a code is required to receive the bonus. I even asked them to look up the promotion URL but they said nothing came up when they typed it in. I went to a branch and showed the promotion to a banker. They said that someone at bank of America would reach out to me regarding the problem within the next 3 days but no one has. Apparently I am not the only one that has had issues with this promotion as someone else said the bank did not give him his bonus on a thread a follow.
Consumer complaint received 2022-04-29
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: Upgrade, Inc. (VA)

XXXX XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I filed a CFPB complaint on XX/XX/21 : XXXX. 
I was told by Citi directly that I was eligible for the bonus and would receive it no later than XX/XX/21. 

It is XX/XX/21 and I have not received the bonus as promised. This is a blatant disregard of the terms and agreements between Citi and myself. 

Citi has not paid the bonus and it has been past the maximum allowable time.
Consumer complaint received 2020-12-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.
Consumer complaint received 2022-04-29
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: R & B Corporation of Virginia (VA)

XXXX XXXX XXXX XXXX Account XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. XXXX refuses to remove it even though XXXX  did. A tropical storm that happened in 2015 caused XXXX XXXX XXXX to remain on my credit profile which is causing me rental issues during pandemic. XXXX refuses to remove it even though XXXX  did. I am sick of making pointless disputes when XXXX seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks
Consumer complaint received 2023-04-06
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: AMERICAN EXPRESS COMPANY (FL)

Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX  app made on XX/XX/22. One was for American Express and the other as for XXXX  XXXX. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.
Consumer complaint received 2022-04-29
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: CURO Intermediate Holdings (TX)

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 : 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 2022-10-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: APEX Asset Management, LLC (NJ)

I agreed to make a {$30.00} dollar a month payment to clear up my medical debt. I initially paid {$30.00} as a first payment on my debit card. They wanted me to call every month to make a payment and i refused to do that as i asked them to send me a bill monthly so i can send them a check. I did not want to use my debit card. XXXX refused to send me a bill on a phone call i had with her on XX/XX/year> she said that was not going to happen. If they dont send me a bill monthly i am not going to use my debit card i will only send a check with a bill and the last amount to show the deduction of the payment.
Consumer complaint received 2021-11-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I received a correspondence from XXXX XXXX stating my credit card application was declined. I called XXXX immediately and advised them I never applied for a credit card. I asked XXXX when and how the application was actually submitted, but they could not or would not provide me with this information. I asked XXXX if there was a possibility that they transposed a number on someone else 's application, mistakenly accessing my report, still XXXX declined to give me a straight answer and stated they needed to investigate the situation. I immediately requested one year fraud alerts be placed with all 3 credit reporting agencies. On XX/XX/2020 I received another correspondence from XXXX advising me that my personal information was compromised and I need to take steps to protect my identity. My expectation was that the hard inquiries were going to be removed from my credit reports, since I never authorized XXXX to pull my credit reports.
Consumer complaint received 2022-10-26
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: Westlake Services, LLC (NJ)

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY UNDER 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH ANY ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS UNDER15USC1666B A CREDITORMAY NOT TREAT A PAYMENT, CREDIT CARD UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion/ XXXX  Wrong address on file I only live for the past three years at my current address only XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  FL XXXX I never lived any were else My name is XXXX XXXX Only and its spell wrong and other names which I only go by my legal name only XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (AZ)

TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.