davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: Lendmark Financial Services (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2023-06-28
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( or ) XXXX XXXX XXXX XXXX , PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX Original Creditor : XXXX XXXX Company/ XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX , MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX File Number : XXXX Pin Number : XXXX Dear XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX , I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX/ XXXX XXXX XXXX, with file number XXXX and an alleged amount owed balance of {$260.00}. I want to inform you that I have never conducted any business with XXXX XXXX XXXX, and receiving this information in the mail is extremely concerning. 

According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It is important to note that this account is only reported on Equifax and not on XXXX or XXXX, which raises a significant discrepancy between the credit bureaus. This inaccurate reporting is adversely impacting my reputation, character, and ability to qualify for new credit. As a consumer, I am entitled to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

The Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when you receive notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. It is your responsibility to cease providing inaccurate information to any CRAs and to ensure that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I have attached documentation below that clearly shows my insurance provider during the period of XX/XX/XXXX. It is perplexing why there would be two car insurance policies associated with my name. Furthermore, I believe that the furnisher of this information, XXXX XXXX XXXX/ XXXX XXXX XXXX , as well as XXXX XXXX the credit bureau XXXX are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX sent me a letter stating that I used a credit repairing service to fix my credit. I did not use a credit repairing service to reach out. I XXXX was the one inquiring to remove the tradeline to fix the issue and not only that neither of the credit bureau left a note one my credit report that you are investigating the account which is a violation and you have 15days to reinvestigation and all 3 took 1-2 months to respond. I sent out a complaint and I gave you 30-45 days the first time the second time 30 days and my issues still hasn't been resolved. I have provided serveral proofs where all 3 were in violation and did not thoroughly complete the review. 

I am requesting to remove the tradeline due to serveral inaccuracies throughout the time of making the complaint to fix the issue. 

As stated in the previous complaints I have the right to privacy, a Consumer reporting agency can not furnish my account without my written consent also account to the IRS a chargoff is considered an income and income shouldn't be reported per the Fair Crefit Reporting Act. 

My federal protected consumer rights have been violated time and time again by the 3 credit reporting agencies.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have sent XXXX  more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXXOpen options Account # : **** XXXX XXXX  XXXX Open options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXX XXXXXXXX Open options Account # : XXXX XXXX options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX Open options Account # : -- XXXXXXXX XXXX Open options Account # XXXX SXXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (AZ)

I didn't make my payment on purpose because I was waiting on a deposit. My payment was due on the XXXX. On the the morning of the XXXX I woke up checked my account to see if the deposit had hit my account only to find out that advanced financial had submitted a ACH payment of XXXX which overdrawn my account. Later that night on the XXXX my deposit went in to my account and the payment was paid. Back in XXXX of 2023 or it could have been XXXX of 2023 I discussed over the phone I did not wish to have automatic payments anymore which was confirmed today on the XXXX it was in fact noted no ACH or Debit card auto pay. I like making my payments manually. This company not only has predatory lending, practices, to this day I have NEVER received a truth in lending document. Nor have they closed the account which I have asked them to do. Also I want them to lower the interest rate on this line of credit. Had I known the rate I would never had taken this line of credit. I did ask on many occasions and had ask on many of occasions to provide me with a Truth and Lemding Statement. All I was told was what my biweekly payment would be. Now I see that they charging me something in the rate of XXXX percent. This company needs to be shutdown, the violate many lending laws one being TILA. This company has been sued many times over and as I had done research they having many more pending lawsuits in the courts pending waiting to be heard. Hopefully they are being investigated by the CFPB like you did to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many others. This company is far worst then any of the ones listed above. I'm not trying to not pay them back. I just want them to be responsible on their lending practices. I will pay my bill as I do. They did something to me was unfair. I work for a large financial institution. These practices that the CFBP is allowing of this company is insane. I know I'm not the only person with now 2 complaints about there lending practices. I want my account with them closed immediately stating on my credit report as closed by the consumer, interest rate reduced so I can get them paid off completely, and show as all my payments on time. One other thing on my transaction it show that they submitted the ACH payment as retry. I never submitted a payment on the XXXX so how can they state it was was a retry. I withheld paying that payment until the funds were in my account. Unbelievable. In my own thinking they did this for malicious reasons to act like I had a payment return. The girl today even stated my account is current. I want resolution immediately..
Consumer complaint received 2023-05-18
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

NOW AGAIN I AM BEING SENT THESE LOSS MITIGATION DOCUMENTS. I DID A LOST MITIGATION BACK IN XXXX AND IN XXXX WAS GRANTED ASSISTANCE WITH THE INFORMATION ADDED TO THE APPLICATION AT THAT TIME. AND WAS SENT A MODIFICATION FOR 30 YEARS TO BE ADDED, WITH ADDITIONAL LOANS ADDED. WHEN I REJECTED THAT MODIFICATION WAS SENT ANOTHER LOST MITIGATION PACKAGE WITH THE SAME INFORMATION ADDED TO THE APPLICATION I HAD ON THE XXXX DOCUMENTS, SENT IT OUT TO THEM AND I WAS TOLD THAT I NEEDED THIS AND THAT. MY FORBEARANCE STARTED IN XXXX TO XXXX. I STARTED BACK MAKING MY PAYMENTS IN XXXX.I DID 2 LOST MITIGATION APPLICATIONS SINCE XXXX AND WAS NOT GRANTED THE HELP I NEEDED. INSTEAD OF FINDING A SIMPLE WAY TO SOLVE THIS THEY WANT ME TO DO A MODIFICATION OF {$26000.00} FOR THEY CAN PROFIT DOWN THE YEARS.
Consumer complaint received 2023-05-18
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction 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 US SM BUS ADMIN ODA XXXX
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX is reporting a credit account on my report that doesn't exist. I called XXXX and provided my social security and no records were found yet they have a negative account reporting on my Experian credit report.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I have a balance transfer 0 % interest expiring XX/XX/XXXX and in XXXX i took another one that is due XX/XX/XXXX at 1.9 % interest ( so i have XXXX  months ) in XX/XX/XXXX i sent XXXX in payments that was suppose to go towards my XXXX promotion but the bank said there system poilcy sends it to the 1.9 % interest XXXX even though i have XXXX  months to pay it off and the XXXX promotion i still have to pay XXXX this month or else its 29 % interest which is crazy the money should have been applied to my XX/XX/XXXX promotion.
Consumer complaint received 2022-11-28
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. (GA)

Ive communicated with ( XXXX, Equifax, and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX  # XXXX. To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
Consumer complaint received 2023-06-08
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from US Auto in XXXX, FL and kept my payments up to date. On XX/XX/XXXX, a motorcyclist tried to fit between myself and another car at a high rate of speed and had to drop his bike. It flew up underneath my car causing approximately {$11000.00} in damage and my car was determined to be totaled on XX/XX/XXXX. 

My personal insurance company, XXXX XXXX, paid their portion for the car and now own the totaled car. I had called US Auto on XX/XX/XXXX and I let them know I was involved in an accident. I called again on XX/XX/XXXX to inform them that the car was totaled, and, to my surprise, I was transferred to Westlake Portfolio Management. I received an email on XX/XX/XXXX stating that US Auto is no longer in business as of XX/XX/XXXX. This means I should have been able to make contact with someone at US Auto from XX/XX/XXXX through XX/XX/XXXX, and I was not able to reach anyone except Westlake Portfolio Management ( WPM ). 

I began working with WPM to get my GAP insurance paid and my warranty cancelled. They had told me that they do not work with warranties and GAP just total loan amounts. I eventually found out that US Auto did not make any payments to the Warranty company since XX/XX/XXXX. And my policy was cancelled as of XX/XX/XXXX. The total amount of the warranty price was {$2900.00} plus any interest on this amount. 

The GAP insurance paid a very minimal amount due to being overcharged for the car. I now have {$3500.00} remaining to pay and I have not been able to get another car, as I am still making payments on a car I no longer have. 

I have continued to pay my payments to WPM since the date of the accident in a timely matter, with the exception of the last payment that arranged to be paid 9 days late. 

PLEASE NOTE : A portion of the matter has been resolved with the warranty company.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (FL)

Paid off a settled charged off account with Home Depot by Citibank. Contacted Citibank settled account in full on XXXXXXXX 
Requested paid in full letter they are claiming I didnt pay. Their system Shows paid in full but are refusing to apply payment and update balance hence keeping me from Reporting to credit bureaus and getting a loan.