davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

on XX/XX/ i deposited a check for XXXX and more money total of XXXX, the next day my acct was placed on hold. i called several times and went to the office branch no one was able to tell me anything but i have to wait. a week later i received letter date XX/XX/ my funds will be available on the XXXX business day but its still on hold.
Consumer complaint received 2022-10-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (RI)

There was a loan taken out in my name in XXXX, XXXX using an old address. At that time I was living in XXXX, California when this occurred. I had not lived at that address since XXXX. Furthermore, it looks like the loan was taken out electronically, and an IP search showed that it originated in XXXX XXXX, California. I have never lived in XXXX XXXX, CA. The company had been sending me emails, which I thought were phishing emails. After, the legal service I hired sent a letter to them, I was sent a collection letter.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (TX)

I have been reading through a number of on line publications and still ca n't find a clear answer to my question. What are my rights to receive my monthly statement from my mortgage company in a timely maner? Two months ago I received my statement at the beginning of the month and my bill would be due on the XXXX of the following month. The next month it was n't printed till the XXXX and I did n't receive it till the XXXX for a bill due on the first. This month my bill is due in 8 days and I have n't received any statement at all from my mortgage company. I live in Texas. Is there a federal or state law that protects my rights? especially when there is a penalty for late payments.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: ALLY FINANCIAL INC. (KS)

I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into XXXX XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act thus creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX XXXXXXXX. XXXX XXXX report XXXX  days delinquent. I requested to remove. 
XXXX XXXX XXXX  XXXX XXXX report XXXX  days delinquent. I requested to remove. 
XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX XXXXXXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (MA)

I am writing to file a complaint against Equifax regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Equifax about the following incorrect information, and to date, I have not received a response. I am seeking your assistance in resolving this matter. 

Details of the inaccurate information and required corrections are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Michael J. Scott, PC (TX)

I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (TX)

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the FCRA. It has come to my attention that all XXXX of the credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting conflicting information regarding the " date last active '' for this account. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. This is vital being that accounts with no activity are supposed to drop off credit reports after seven years. Furthermore, I must highlight that my information was compromised in the XXXX data breach, and I was never sent debt validation for this account. Therefore, the inclusion of this account is entirely unjustified and constitutes false reporting. Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports. I expect confirmation of this action within 7-10 days.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. XXXX  correction is imperative.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Please be aware, that your question : [ " Have you disputed the issue with the credit reporting company and received a final response? ] [ Yes ] [ No ] is flawed, in the fact that I HAVE disputed the issue with the credit reporting agency, but they HAVE NOT, provided a final response in over 42 days, therefore it is not possible to select a proper answer on your form. Please continue below ... 
XXXX XX/XX/2016 I logged into my XXXX account and discovered an inquiry on my credit report that was not authorized by me. The date is from more than a year ago. After doing some research, I discovered that this inquiry is from XXXX, and I found out that many many other consumers were also reporting this same unauthorized activity and there are endless articles found all over the internet regarding it. 

I immediately filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, I received ONE computer generated Email from Experian claiming that the investigation is still ongoing and should be completed by XX/XX/XXXX. Well, Today is now XX/XX/XXXX and there has been no resolution, no further contact, and absolutely no way to contact Experian other than by writing an old fashion letter and paying the postal guy to deliver it. Nonsense. 

There is plenty of public evidence circulating around that proves that this is an unauthorized XXXX inquiry. Experian has still NOT removed it, nor even bothered to do their job and follow up with the results of the investigation. I am not on my home computer at the submission of this complaint, and can provide further documentation upon request.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( s ) I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave XXXX, EQUIFAX and XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

XXXX, EQUIFAX and XXXX should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/year> on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed the collection with transunion years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Equifax, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 168
1b of this title. 
XXXX, Equifax, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2022-12-16
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. (MI)

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.
Consumer complaint received 2016-04-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, on behalf of XXXX, XXXX XXXX has been constantly calling me and annoying me. I have explained to them that I had credit card fraud going on when I made a few purchases at XXXX XXXX, and that I returned the items back to XXXX XXXX. I have even told them I have a copy of the police report I made when I had this credit card fraud going on. They still hound me and insist that i owe close to XXXX dollars.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello This is XXXX XXXX I live at XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. In late XXXX of this year XXXX I bought into an affilliate marketing company called XXXX they are in XXXX. The comany marketing to me and I paid the initial fee of approx {$2900.00} for what I thought would be the training in the business. in the next few weeks after I first joined I was given a mentor/sponsor who then changed the plan for me ... he tood me that if I really wanted to be sucsessful in the business I would need to be " positioned high '' in the company. He said they would arrange to get me funded by a third party company that would apply for credit cards in my name. I had very good credit and I have always paid my bills on time all my life. I really trusted and believed I was getting a good opportunity to learn this new business. After I was funded the total charges were to be what i believed was {$28000.00} after my sponsor got all the credit card numbers he charged up nearly {$80000.00} for all the various fees and add on 's by the time I started getting the minimums due on the cards I realized I had been scammed. I was trying my best to learn the business but I got very little support and after 60 days I had spent all my savings.I contacted the comany XXXX and said I wanted to opt out and get a refund, but they didnt respond to me. By this time I was panicking and I contacted all the credit card companies that were used to fund this scam. Most of the 6 crdit card companies took my dispute and after about a months investigation the made charge backs to the cards for the charges. All expect " Bank of America '' they refused to look into 2 charges of {$6700.00} made to this MOBE company on XX/XX/XXXX they said that sisnce I signed a contract that there was nothing they could do. They said that it is master card rules that they follow and they cant even contact the recieving bank for this MOBE company. That surpized me becuase 2 other credit card companies that were master cards helped me get the charges removed. My compalint is with bank of America ... they did nothing to help me and now I have 2 charges of {$6700.00} that I dont have the money to pay ... This Mobe company makes false claims and omitted a lot of information and really took advantage of me ... charging me for many extraneous charges and add ons. My credit is now ruiued and I have been barly able to keep my head above water. Bank of America does not protect the consumer. They have a customer service number of XXXX XXXX XXXX My card numbers end in XXXX and XXXX I hope there is something you can do for me. I filed a complaint with the FTC about this MOBE company. 
Thank you, XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile