davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (CA)

Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXXXXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX Name I.C. System, Inc Date Assigned XXXX XXXX XXXX Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

I have reached out to US Auto sales numerous times in regards to my car extended warranty that was apart of the car note. They have directed me to another company and the company shares they will not be completing any warranties. There is no resolution about the money that is tied into the loan, no refund nothing. I purchased the vehicle on behalf of having a warranty when something goes wrong with the car. Now I cant get the car serviced without the warranty that I am paying for every month, but cant use.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well  as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
Experian did not respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 
Secondly, As I previously stated in my 1st dispute, the information is inaccurate on my consumer report. It is listed on my consumer report as XXXX XXXX XXXX XXXXXXXX. Which is incorrect. The Correct name is United States Bankruptcy Court. The state and zip code are also not listed in report. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of Education/XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXy Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
FXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of EducationXXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I Submitted On numerous occasions the inaccurate reporting on my credit file for ability recovery collections. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (NY)

I am currently having difficulties with XXXX my previous internet provider. I switched over to XXXX for internet on XX/XX/XXXX and called XXXX the XXXX to cancel the service after paying what I owed. I was told by a representative that I have nothing to worry about and that everything was taken care of. Fast forward today my account is now in collections with a balance of {$130.00} and no one can explain to me why. When I contact XXXX I get a run-around and I am told all is well, when in fact I am now getting collection notices.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (MI)

United wholesale mortgage is preventing my broker from sending my loan to XXXX XXXX where he can get a better deal for me. He said they threatened to sue him for XXXX XXXXXXXX if he does business with XXXXXXXX XXXX. Now he is telling me that he has to give me a worse deal because UWM is forcing him to. I'm pretty sure I am not the only consumer not getting the best deal because of UWM 's unethical business practices.
Consumer complaint received 2023-05-24
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681. 

XXXX  : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a Bank of America credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from Bank of America showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called Bank of America to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to XXXX and XXXX to have this card removed from my credit report and they refuse to take it off because Bank of America says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from Bank of America from when I reported this fraud and they told me the account was never opened. Case # XXXX
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Ending account number 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 an account without my written instructions
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-10-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Capital Solutions LLC (CA)

Harassment from Orion Debt Collection This complaint is about violation of my rights as a California resident. Orion Capital Solutions, LLC. violated my right to request calls not to be made during my work hours. Nevertheless, I was harassed over the duration of the phone call  by the representative, going by the name, XXXX. 

I received a call from XXXX on XX/XX/XXXX suggesting that I call back about regarding my address. I followed up with a call and left a message that same day. 

XXXX called back on XX/XX/XXXX and reviewed a claim from XXXX XXXX XXXX ( an unsecured loan ) that was taken back in XX/XX/XXXX. I told her that I spoke with someone 3 months prior about the loan being paid. the loan was {$2500.00} and the amount paid was over {$5000.00} nevertheless I had a processed bankruptcy file at that time and I included that loan. XXXX continued to persist with information but as I told her the information I provided to the previous XXXX XXXX XXXX Rep, she told me that she could not hear me so she continued to talk over me. XXXX mocked me for not having paperwork from the company XXXX XXXX XXXX but I told her all correspondence I received came from the website. To my knowledge, the loan was closed as of XX/XX/XXXX. 

The problem I have was, Although XXXX continued to talk over me, I suggested she email the information. XXXX then fires back sarcastically that they tried that before and was telling me that I was refusing to work with the collection agency. I reconfirmed that I never received an email from this agency. XXXX continued to harass me over the phone while I told her that she was calling me during my work hours and I did not appreciate her harassment nor the way she was conducting the call. Not once did she consider my request that she was calling during my work hours but she continued to tell me that she had a right to call me at any time. I have XXXX XXXX XXXX and started to have a XXXX XXXX due to the harassing suggestions from XXXX. Nevertheless, she told me that she could not hang up the phone as she continued to tell me that can call me anytime. After I mentioned that I was recording the time she stayed on my phone to harass me, she finally hung up. 

The complaint is about Orion Capital Solutions, LLC and the customer care rep., XXXX. I do not deserve this type of treatment especially since I had the understanding that this credit was resolved based on previous conversation with a rep from that company. I am a resident in California and my rights were violated by Orion Capital Solutions, LLC.
Consumer complaint received 2022-06-01
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. (NJ)

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (PA)

I contact the American Finance Company regarding my old account I attempt to pay it off today XX/XX/2022 and they stated I owe {$560.00} but my credit report states XXXX. The collection agency stated that this's what the Finance Company sent them.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (MN)

I am not liable for this debt with XXXX XXXX XXXX XXXX XX/XX/2023. I do not have a contract with the XXXX XXXXXXXX XXXX account, they did not provide me with the original contract as requested.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (GA)

I opened 24 month interest free promotional account for the purchase of appliances. I made minimum automatic payments which I thought would pay off the loan in 24 months but that wasn't the case. Also I did not receive my appliances until XXXX so I thought that is when the promotion began. Again that was not the case. So when I received a gigantic interest charge on my account in XXXX I called customer service to find out why. The customer service rep told me that if I pay off the principal by XX/XX/XXXX I would not incur any interest charges. I called XX/XX/XXXX ( today ) to pay off my principal. I spoke to XXXX who listened to the call between XXXX and I and she told me I was given misinformation. That I was lied too. So now I have 30 % interest on the original loan for 2 years that I can not pay. It is predatory behavior.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

on XX/XX/2021 I received a call from XXXX checking to see if I filled an application for a PayPal credit card. I told the rep no. and she said she would close the application out and report it as fraud and remove the inquiry. today is XX/XX/2021 and the inquiry is still listed on my XXXX credit report. I would like this removed as I did not authorize this company to run my credit.
Consumer complaint received 2021-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

This complaint is in regards to the BB & T account on my credit. In 2018, A family member of mine obtained my social security details and used it to purchase a XXXX XXXX and financed it through BB & T without my consent/ awareness. I decided to resolve this as a family issue and have him assume 100 % responsibility for the debt, but he has consistently failed to make payments and the account is currently delinquent. The bank has threatened to take me to court since my name is on the account as a primary holder. The car is in possession of the family member and neither the bank or myself know his whereabouts to retrieve the vehicle. In addition to this, I receive a notice of road violations every month from his driving around in Virginia, and have to pay because he managed to register the car with my name as well.