davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment historyXXXX XXXX/ Equifax/ XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

Equifax and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Numerous dates and disputes with equifax done on Equifax website. Just filed same dispute again today XX/XX/21. When I get reports back it's for something totally different Than what I was disputing. I sent fraud report and still they verified account as accurate. This account is XXXX XXXX account. Also past address I supposedly lived at showing on my account although it says they deleted them still showing. Equifax is messing up people lives by reporting things that are innacurate.
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am submitting this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-09-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2018-12-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/XXXX, I contacted Ally Bank which financed my car loan about the warranty I purchased in the car loan not being valid. The dealership that I bought the car from was closed down by the federal authorities the month prior so I was unable to confront them about the issue and the warranty company advised me that there was no active warranty. I reached out to the bank for 30 days in which they would not respond to me about the warranty which was financed and in the contract, however, did not exist. In XXXX of XXXX, I retained a lawyer to contact the bank. We sent in all of the paperwork and in XXXX of XXXX it was determined by Ally 's Fraud Department that fraud existed. It was found out that the contract I possessed was different from the contract the bank possessed : ( 1 ) my contract had a warranty in the amount financed, Ally 's didn't ; ( 2 ) Ally 's contract did not have my signature ; and ( 3 ) the terms of the finance and numbers where not the same on both contracts. I have police reports to reflect this as well. Ally did not respond to my attorney for months after fraud was determined which is the case up till now. We were sent one settlement agreement in XXXX of XXXX and since then Ally has not communicated or settled.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (TX)

WILLIAMS AND FUDGE INC.

Collections negative mark with zero attempts to collect before reporting : Today, XX/XX/2021 I received notification from XXXX XXXX that a derogatory mark has been added to my file. When I opened the remark it was a collection for {$290.00}. The collection stated it was two months old. Yet, I had no notification of the debt not by phone or letter. Absolutely unacceptable. 

My credit has been between XXXX and XXXX until today when it dropped -29 points due to this collection Absolutely deceptive and unfair practice.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1803 Capital, LLC (FL)

1803 CAPITAL  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX {$23000.00} Amount Reported XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT LAW, this company was never given permission to report this to my credit. I traded my car in for a car and they scammed me. The motor went out after reporting to them on several occasions that something was wrong with the car after noticing it smoking. I did out of pocket expenses to fix the car nothing could prevent it from going out. I only had the car for two months and the company is giving me run arounds and i gave the vehicle back. Without receiving my old car back and they have the wrong amount that was agreed! I have faced multiple hardships because of this. I cant find a place to stay because they have reported this to my credit! I call them on multiple occasions trying to resolve it with them they send me to voicemail, dont return my calls, they speak to me rude and offer no help! CONSUMER LAWS START WITH 15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT meaning did they get my permission to report on my consumer credit every violation is {$1000.00}. Florida law makes an exception : If your unpaid balance at the time of default is less than {$2000.00}, the lender can't go after you for a deficiency. ( XXXX XXXX. XXXX. XXXX ( XXXX ) ).
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legalaction against them. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} XXXX XXXX XXXXXXXX Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-09-16
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. (MN)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (IL)

My new Chase XXXX credit card has declined charges numerous times. On XX/XX/2021 I went to XXXX XXXX XXXX to make a purchase but my credit card declined the transaction I was HUMILIATED in front of everybody. I called chase and spoke with a representative in the fraud department and verified information to show it was me attempting the charges, they unlocked my card and told me I wouldn't have a problem processing the transaction next time, so I went back to XXXX XXXX XXXX and attempted the transaction again and it was DECLINED, HOW HUMILIATING. I opened the credit card in response to a promotional offer that requires me to spend {$4000.00} in 3 months to earn XXXX bonus points. Because of the bank 's frequent charge declines, it appears to be a willfully intent to mislead and or deceive the consumer I may not be able to spend the required amount to receive the bonus they promised in the credit card contract.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (OH)

I am trying to close my Ally Invest managed account and requested funds to be transferred using their " real-time '' option which states 1-2 minute transfer time. I have been trying to get the funds sitting as CASH since XXXX. 

After multiple calls, emails, and chats the funds will not transfer. It appears they are holding the funds ( $ XXXX ), XXXX. Hold times are 3.5 hours or more. 

They keep saying " today or tomorrow '' for the transfer to occur.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Chase Card member XXXXervices notified me of unexpected sudden reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of Chase 's Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. 
XXXX XXXX
Consumer complaint received 2022-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a dispute to you all and I didn't get a response, an you all have at least 30 days to respond, please investigate my dispute, thanks
Consumer complaint received 2022-09-16
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. (MO)

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 items 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 XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (FL)

I've contacted Greensky several times requesting an amortization schedule for my loan and their representative XXXX XXXX no surname ) refused to provide and refused to allow me to speak to her superior. 

XXXX Customer Solutions Account Manager Office : XXXX Ext. XXXX Monday to Friday : XXXX XXXX  to XXXX XXXX  I WOULD LIKE TO HAVE AN AMORTIZATION SCHEDULE FOR MY LOAN
Consumer complaint received 2022-09-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (CA)

XXXX XXXX XXXX  gave me a term sheet on XX/XX/21. My loan broker, XXXX XXXX, dealt with the bank 's VP, XXXX XXXX. There is written communication between them clearly showing the bank 's rep made a mistake which triggered a higher rate than what's on the signed Term Sheet. In spite of assurances to take care of the excess charges & incorrect fees, the bank is refusing to honor their rates & fees per the term sheet. 

Based on the bank 's mistakes in changing the locked interest rate to a higher rate, XXXX XXXX gave written assurances to credit the {$4800.00} loan fees. In addition to this, the bank has made several written promises to send the {$250.00} excess charged incorrectly by them for an inside appraisal fee. They also owe the difference of excess title fee charge of {$420.00} ( charged {$1700.00} as opposed to {$1300.00} ). 

Loan closed on XX/XX/21. I have made numerous attempts to resolve the matter with various senior representatives of the bank. They are not honoring the commitment made verbally and in writing by a vice president and relationship manager of the bank to the borrower. The Senior VP & Regional Manager, XXXX XXXX, has been using a delaying tactic to defraud the borrower. She has even refused to let the borrower know who her superior is.
Consumer complaint received 2022-08-19
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. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - Charge-off XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX Charge-off
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

N accordance with the fair credit reporting act XXXXt account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX/dept of XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXXS, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX, account # XXXX XXXX, account # 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 reportion agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I have contacted Lexis Nexis on countless occasions and have not recieved any responses. They have failed to verify who furnished this information. I have contacted the courts directly and they state they do not furnish any information. This bankruptcy reporting needs to be deleted because it is unverifiable information according to FCRA.

I contacted Lexis Nexis o
n XX/XX/2021 And on XX/XX/2021 XXXX
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SD)

I recieved a paper bill in the mail with a statement closing date of XX/XX/2021 for PayPal Credit. It says on this paper bill I can ( and have in the past multiple years ) go to the online website to make my payment. The paper invoice simply says " To receive electronic statements or make online payments visit PayPal.com '' When you go to PayPal.com a home screen comes up with " PayPal balance '' that says {$00.00} and an " add money '' button, along the left side, reading down, it says " insights '', " Money in ' " Money Out '' all around this home page nowhere does it say " PayPal '' payment options, or abilities to look at the PayPal Credit card balance, payments, history any of the information on this paper mailed statement. None of it shows on this website. I emailed after spending hours going over the " paypal.com '' site, help page, and all other forums to find out where the PayPal Credit site is for payments and viewing. It appears it is linked to Synchrony bank and you have to make payments through synchrony bank, nowhere on the home website does it give you a link that is easily accessible to synchrony bank to make payments. This very difficult and challenging experience started about 3-4 months ago and over and I have spent hours trying to find the link to make my payments. Last month I emailed them and said no link was connected and the website had an " updating '' access limited message preventing and limiting user availability to the account. I do not believe making payments to a credit card should be this challenging and present with what feels like deceptive marketing - it is not PayPal I am paying or working with it is marketed that way but held by Synchrony bank - a completely different website, provider, customer service, logo, brand ... it's very confusing to get PayPal marketing/brand invoicing website directions but really be working with Synchrony bank.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (PA)

I consumer XXXX entered into a consumer credit transaction in XX/XX/XXXX while extending my credit to ALLY FINANCIAL pursuant to 15 usc 1602 ( g ), the original creditor. This consumer credit transaction involved a finance charge in which is the SUM of all charges pursuant to 15 USC 1605 ( a ), in which this transaction doesn't require any monthly payments because the debt was already paid for. ALLY FINANCIAL continues to use abusive tactics in calling my phone several time and sending communication via mail using prohibited offensive language. This is a violation of my consumer rights under 15 USC 1692d ( 2 ). As the natural person and consumer, 18 USC 8 is obligated to pay on my behalf. I was not informed of my right to rescission by ALLY FINANCIAL with full disclosure pursuant to 15 USC 1635. ALLY FINANCIAL ignored my cease and desist sent out on XX/XX/XXXX and stated that federal law and my federal rights doesn't apply to them. I'm being harassed all the time by this company for a debt not owed. ALLY FINANCIAL has caused me financial harm and has ruined my reputation.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.