davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (TX)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 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 reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NV)

this is in regard to account XXXX. I reviewed my credit report and noticed that there was a new collection account from this company that appeared. I immediately sent them a letter for validation of this debt on XX/XX/2022. I received their response and they sent me a copy of statements which is NOT validation. I sent another letter out dated XX/XX/2022 asking for specific information to validate the debt which includes a copy of the contract bearing my signature. I received their response after that which included another copy of statements. In my letter I specifically stated " If you can't provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. '' I filed a XXXX complaint which XXXX received on XX/XX/2022 and they stated that sent me copies of the billing statement from XXXX XXXX as validation of the debt. This is NOT considered validation of the debt as anybody can print out some statements and mail them to me. Since this company is unable to properly validate this debt I am demanding deletion of this debt from my credit report.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I'm filing a complaint to let Experian know that LITIGATION IS PENDING if these items are not immediately removed. My attorney advised me that we can seek damages of {$1000.00} per violation, according to the FCRA. On XX/XX/XXXX Experian received a letter I sent regarding inaccurate and unknown items on my credit report. Over 30 days went by and I never received a response! I feel like I have been taken advantage of, and my disputes are being deliberately ignored. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives reason to immediately delete these items from my credit report! Clearly they violated my rights because 30 days went by with no response. These items need removed immediately or we will pursue litigation due to the immense stress Experian has caused me, and their continual violation of my rights! Experian also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) - The credit bureaus are supposed to complete the investigation before the expiration of the period under Section 611 ( a ) ( 1 ). ACCOUNTS : XXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX # XXXX, has violated my rights. I will attach the tracking number below, along with my dispute letters I've sent to Experian to try and rectify the situation, you can clearly see they have been violating my rights for months, and that stops now. These accounts need deleted immediately. They didn't complete their investigation, or respond, within the 30 day period AS REQUIRED BY LAW! 

Also filing complaints with Attorney Generals Office, & XXXX. 

We also have the name of the person who signed for it on the day it was delivered. So you can guys will be held liable. 

Tracking # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Consumer complaint received 2023-04-27
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: Consumer Adjustment Company Incorporated (CA)

A collection was placed on my account by a company who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The company did not provide me with a notification and adequate 14 day response time.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (IL)

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/202XXXX XXXX  XXXX XX/XX/2022 XX/XX/20XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Consumer complaint received 2022-06-27
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. (FL)

The creditor, XXXX XXXX XXXX, took possession of my vehicle in early XX/XX/XXXX, despite me being ahead of my payment schedule. When I called the company, they stated an error had been made, and returned the vehicle to my possession. Shortly after the company towed my car without cause, the transmission failed, due to the tow operators treatment of the vehicle. In early XX/XX/XXXX, I called the company, requesting them to take the vehicle back. At the time, they informed me the repossession would appear on my credit, which I understood. At the time I returned the car, my payments were up to date. 

Starting in XXXX of XXXX, the creditor started reporting a delinquent balance of {$5700.00} and have continued reporting that outstanding balance each month. The information on my XXXX Report has been updated correctly, however, both Equifax and XXXX continue to reflect the account in 90+ days overdue status every month. Since the day I called the creditor to take back the car, I have not had any communications regarding the balance owed on the vehicle, any value the company was able to recover, or any deficiency balance owed to the creditor by mail or by phone.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have a XXXX XXXX Credit Card with Comenity Bank. For the past week the Comenity site has been down due to 'system updates '. I have had no way of accessing my account, viewing my balace or making payments. Trying to reach out to customer support has proved fruitless. Comenity never contacted me, or anyone else from what I can tell, to let us know there would be sustem updates and they are not providing answers or solutions or a date when the site will be back up. This has been beyond frustrating and the only information I could find is that they seem to have been bought out by another company, but I was not made aware of this change. This company 's practices are deceptive and predatory. My only hope is that the site will be up again soon so that I can pay off the balance and close out the account. I do not need the kind of stress this company is offering.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (LA)

XXXX XXXX XXXX XXXX  {$1700.00} is owed XX/XX/2022 Sent to collections due to non-payment Lender Information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-21
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. (NY)

This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.
Consumer complaint received 2022-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA bank denied me of credit cards personal and car loans for over 8, years, never offered me anything My yearly salary shouldn't have been the problem in XXXX XXXX making more than XXXX XXXX per year, me personally think it's something to these denials, zip codes you live in, minorities neighborhood, I'm pretty sure, they giving loans to others with less, My the way they're not only banking institution have done this to me, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX bank to, all denied me credit over 40 years, only banking institution gave me credit was XXXX XXXX just after XXXX years, something wrong
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have XXXX credit cards with Comenity bank : XXXXXXXX XXXX and Victorias Secret. I have been trying since XX/XX/XXXX to make a payment on one of those credit cards on the website ahead of a payment due today, the XXXX. I found that last week, the site was down for ALL of my credit cards with that company. I was unable to login, access my account, statements, make payments, etc. I noticed on XXXX and XXXX that they were addressing peoples concerns with this outage by telling them to call a specific phone number on the back of their card or to use the same day payment option on their website. I tried both of those options on Thursday and I was unable to reach anyone on that phone line, and the same day payment option was not available and was not working that day either. So the direction of the company was giving everyone was not correct. They kept giving canned responses to everyone who was concerned about it and told them that the outage would last until the beginning of next week, which is todays date. I attempted to use XXXX on several occasions to reach out to them about the issues that I was having and I got a canned response to use the phone number on the back of the card To make the payment. When I did that, the automated message on the phone said that no agents were able to assist with anything related to accounts and eventually it disconnected the line. I was unable to speak with anyone on the phone at all. I tried to log into my accounts again and one of them logged in but it had a massive error message on it and it also said that my account was closed ( which is not possible, I hadnt received any communication about this ). I reached out again on XXXX, along with quite a few other people, and we were still given the same response to simply wait and sorry for the outage, and that it will be fixed eventually, and to try calling But every time I try to call, there isnt a human available to help me try to make a payment. My payment due today has a possibility of incurring a late fee if I dont pay it today but I have literally no way to pay it. I dont want any late fees or negative credit reporting and I simply just want to have access to my accounts again. Reaching out to the company on social media seems to be the only way to get any kind of response in general but its all the same and its not helpful and its not resolving anything. Its predatory that theyve had their website out for almost a week if not longer and that no one is able to make any kind of payments on these cards.
Consumer complaint received 2022-08-22
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I disputed a debt with all three credit reporting agencies requesting that they update the balance as {$0.00} and remove this debt from my credit report with XXXX XXXX to go balance of {$4000.00}. All three credit reporting agencies ( Experian, XXXX, and XXXX XXXX ) did not remove this debtXXXX XXXX XXXX to go was settled on XX/XX/2022 with payment confirmation number of XXXX. XXXX XXXX also confirmed that this debt would be removed from my credit reports. Experian, XXXX, and XXXX XXXX never did what I requested ; which is update my balance as {$0.00} and remove this from my credit reports.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CURO Intermediate Holdings (HI)

My credit report shows a XX/XX/2022 write off of a 2 year 6 month old Speedy Cash debt of {$600.00}. I have never used Speedy Cash, do not know what Speedy Cash is. I have never received a notice of any kind from Speedy Cash.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (NY)

I contacted GM Financial back in XX/XX/2021 about the extension of my lease. Due to the pandemic, finding a vehicle was near impossible and waiting periods were anywhere from 6 months to a year, if not longer, to obtain a new vehicle. As this was the first lease I have ever taken I asked for all the details on how it works. I was ONLY told that I had to sign this agreement and it would allow me to extend my lease an additional 6 months. I signed and sent over the agreement on XX/XX/2021. I continued to make my payments over the next few months. I contacted them again a few months later as I was now considering buying out my lease and was informed of the residual balance. After I received the quote I asked why the balance had not gone down with the payments I had been making. They stated that the payments I was making were only to extened the lease and that the residual would remain the same. I read though all the documents and no where on them or on their website or in my lease agreement does it outline this detail. ( I have attached a copy of the lease extension for your reference ). 

I also did some seaching on my GM Financial online profile to see if I had somehow overlooked any lease extension documents. The only extension document I was able to find did not outline anywhere that the residual would remain the same. I have attached the list of documents on their website as well as a copy of the Payment Extensions Fact Sheet. 

Today, I called to obtain the payoff and for the process to buy out my lease. I was transferred multiple times and when I finally reached the correct department, I expressed my concern over the lack of detail regarding the residual and if there was any recourse. She informed me that there were 5 notices sent to me that outlined that the residual would remain the same and agreed to send me these notices via email. I advised that all my communciations from them were electronic and at no time did I receive the letter the representative was referencing. She then insisted that the documents were sent via regular mail and would not have been sent electronically as I had elected on my online profile. Once I was done speaking with her I asked to speak with someone to address my concerns. I waited nearly 20 minutes to be transferred and finally reached an individual to submit a formal complaint. My request was for GM to apply the funds I had paid over the past 6 months ( around {$2800.00} ) to my remaining balance ( residual balance ) as a way to rectify the issue. I had also advised her of the information the previous representative had told me, saying GM sent me 5 letters explaining the residual would remain the same. I was then informed that no such letters were ever sent. She advised that due to the XXXX XXXX and bookkeeping there was no way they could perform such a task but assured me she would escalate my complaint. I was on this call for over an hour ....
Consumer complaint received 2022-06-27
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. (MD)

n accordance with the Fair Credit Reporting act XXXX Account # 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
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. (FL)

According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, 15 USC 6802, a financial institution is NOT allowed to share my personal information to third party people. These are clear violations of my federal protected consumer rights. Here are a list of inquiries along with the inquiry dates, just to make things easier for you. As you can see, there is no way I would authorize an inquiry to the same account so many times. 
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 - XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

About XX/XX/XXXX I called Regions Mortgage to make a XXXX payment directly to the principal of my mortgage. Over 3 times on the phone conversation I stated I wanted the payment to go only to the principal amount. After the representative completed the transaction again I stated so XXXX dollars going only to principal. The call was being recorded according to the representative. I waited until I saw the funds clear from my bank before I called back. The reason for the payment was to bring my total mortgage under 78 % of the original balance of the loan so that the PMI could be removed. I called on XX/XX/XXXX and asked my balance which did not reflect how much it should have if XXXX dollars went straight to principal. The representative informed me that the XXXX payment went to my XXXX bill of XXXX dollars and the remainder went to principal. I explained to the rep that the total amount should have went to principal. The rep informed me she would send someone a request to back it out and then apply it to principal. Instead of waiting on that I told the rep that the {$2400.00} I usually pay for my monthly mortgage payment I wanted to pay that amount to principal. Again on recorded line I was assured that the amount would go only to principal and not towards any monthly mortgage bill. Again I waited for the amount to clear my bank account before calling. Again I asked my balance and was told around XXXX something ( can't remember the amount ) which was still not under the 78 % of the initial loan amount so I knew something was incorrect. I was informed by the rep that the {$2400.00} was applied to my XXXX bill. Keep in mind I made the payment on XX/XX/XXXX, which is not even close to my due date for my XXXX bill. This time the rep told me he would back it out and put it to principal. I asked what my balance was and was informed that I had to give the system time to update. I do not think the errors were with the reps, I think it is with Regions payment system. If I would have never called back I would have not known for a month that the payments were applied incorrectly. Interest on the balance of a mortgage is not calculated at the end of the month, it it calculated daily. That is interest that I am paying, that I should not have had to pay because my balance should have been lower than what it was. I feel that this practice is deliberate and unethical.