davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX XXXX XXXX XXXX are reporting an account as open when it is in FACT closed and included in a bankruptcy in XXXX of 2018. I have disputed this erroneous information and it keeps coming back verified. This account is severely dragging down my credit score. I have now been turned down for multiple loans and business credit that I desperately need to survive and feed my family because of this incorrect reporting.
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)

Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-20
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: TOYOTA MOTOR CREDIT CORPORATION (AR)

The company is XXXX, we bought a car back in XXXX of 2016, we were lied to by the local company in regards to the 0 % APR and they were supposed to pay sales tax but did not. With that said, they made an agreement with us to delay our first payment to XXXX XXXX ... apparently they did not share that info with the corporate office, however. SO they reported us late in XXXX after we made a payment arrangement that THEY told us the dates to do in order to not be past 30 days. So we did exactly that. Yet, we still got hit on the reporting to bureaus. I called MULTIPLE times to have this corrected, asked for conversation recording, even the girl who made the arrangement vowed for us that her and her supervisor told us what dates to make payment on. Yet, no changes were reported on our behalf-this was when I also found out that they showed our 1st payment being XXXX NOT XXXX ... it was at that point I faxed over letter showing what we were told. This year, in XXXX I called again about the XXXX thing to try and get it fixed again. The rep told me an extension agreement for XXXX and XXXX would bring everything back to correction. So I had already made a pymt in XXXX so that applied for XXXX, extension agreement made up for XXXX, I made 2 pymts in XXXX that covered for XXXX. This was all by direction of XXXX and letters from them directly. However, we get another alert saying they reported us 30 days AGAIN for XXXX. 
I have argued, called, faxed, emailed, disputed and mailed everything ... and they STILL won't fix it by reporting it correctly to the bureaus. I was not 30 days late in either month and I simply want it reported correctly. It is effecting me personally, my family and our future!! It is simply wrong on so many levels. I need someone to step in and help me, please.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (AR)

In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..
Consumer complaint received 2018-08-20
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: CITIBANK, N.A. (GA)

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX  and XXXX  reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when I reviewed my credit report and spotted a late payment on the following date : 30 days late in XX/XX/2016 I am not sure how this happened I believe I made my payments to you when I get my statements. My only thought is that I did not get the statement that month.
Consumer complaint received 2023-06-09
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-20
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. (LA)

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I recently received an automated email stating there has been a change to my available credit on my credit card. When I accessed my USAA online account, I found out my available credit had been reduced my just over 80 %. 

I have actively been working to improve my credit and I paid off the entirety of my balance just a few months ago. I have not missed a payment in years. I've had this card over 20 years, possibly 30 years. I've had worse credit. The only time I've had my credit reduced was when I requested to have it reduced years ago. 

I spoke to XXXX, a XXXX XXXX at the company and she read the scripting over and over stating that periodically USAA runs the credit of it's customers and this is their justification. 

During our discussion, she stated they would not increase my credit limit and I could resubmit to have it increased in XXXX months. I shared that was not acceptable. I stated this was a manipulation from USAA to continue to keep my credit artificially low. I shared with XXXX I would file this complaint to you and our state 's attorney general office. 

I paid off over {$14000.00} and carry a zero balance. My credit score has already dropped by over 10 points following this action.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (ND)

The debt collection agency ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Consumer complaint received 2023-06-09
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: LEXISNEXIS (PA)

In accordance with the Fair Credit Reporting Act, LEXISNEXIS, is violating my consumer rights by : 5 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. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681 ( 4 ) : Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation LexisNexis has violated my right of my privacy and has given false information about where they obtain their information from. They are furnishing my information with permission nor any written instructions, they also have never provided any disclosures or to opt-out of sharing my information with third-parties. The bankruptcy courts DO NOT REPORT bankruptcy to any credit reporting agencies or secondary bureaus. I have provided a letter from the courts stating that.

Also I have a letter from PACER that my name is state differently than the name LexisNexis has on file, again making the reporting inaccurate and a violation of my consumer rights and my right to privacy.
Consumer complaint received 2023-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Equifax credit bureau fail to delete this fraud account from my credit report. 
The creditor agreed the account was opened due to fraud and shall delete from my credit report. 

INVESTIGATE OR DELETE THIS INACCURATE ACCOUNT. 
.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I am on the Loan Forgiveness Program, three years ago I got a letter that I qualified for 40 payments, then I made 9 more payments, and one day I looked at the computer that said I had 35 qualifying payments. When I called 11 months ago they told me it was a computer problem and they would fix it, I called them ten times more times I emailed them 10 times and there is never any updates. 
They keep ignoring my questions, they continue to verbally promise me I have made 70 qualifying payments but they never answer my questions. The computers keeps saying I only have 35 qualifying payments, and when they do answer my email they give me an answer with a pre made form that clearly shows they have not read any of my emails. It has been 11 months and I need a clear answer as to how many payments they qualify. When I call they say I will be qualifying for 70 payments, but I only see 35 qualifying payments.
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (SC)

This was an auto lease of which I was the co-signer. I have checked and called Honda Financial several times to confirm the account is closed and has a XXXX balance. The account is in fact close and I will attach proof that the account is fully paid and closed.
Consumer complaint received 2023-06-09
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. (TN)

I submitted a formal complaint to XXXX, Equifax and XXXX XX/XX/XXXX asking them to verify the bankruptcies XXXX XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them Equifax and XXXX didn't respond but XXXX send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by XXXX which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX and furnishing that information to XXXX, XXXX and Equifax without permissible purpose 604 15 U.S.C. 1681b.
Consumer complaint received 2018-08-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (DC)

LOAN NO : XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX DECEASED ) PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, Washington, DC XXXX My father, XXXX XXXX, had a reverse mortgage on his home at XXXX XXXX XXXX, XXXX, Washington, DC XXXX in the approximate amount of {$210000.00}. XXXX XXXX passed away on XX/XX/XXXX. As his daughter and sole heir to the home, I was required to pay the balance of the reverse mortgage. As the home owner, I refinanced the home by taking out an FHA loan to pay off the reverse mortgage. My settlement took place on XX/XX/XXXX and {$210000.00} was disbursed to Reverse Mortgage Solutions XXXX XXXX XXXX via a wire transfer on or about XX/XX/XXXX. The total of {$210000.00} was based on a XX/XX/XXXX payoff instead of an XX/XX/XXXX payoff. XXXX failed to provide my settlement company with an accurate payoff statement in a timely manner. In summary, XXXX owed me funds XXXX interest refund ) based on the XX/XX/XXXX settlement date. XXXX issued a check in the amount of {$350.00} to the " estate of XXXX XXXX XXXX XXXX XXXX '' and did not issue the check payable to me instead. I am requesting that the check be issued to me instead. Please note that XXXX XXXX was previously XXXX XXXX ' financial XXXX. However, XXXX XXXX 's role terminated upon my father 's death. In summary, I personally paid off the reverse mortgage via the FHA loan refinance and the funds should be paid to me. Due to the fact that the check was sent to XXXX XXXX 's office, my privacy regarding details of the refinance was compromised. XXXX staff were well aware that I paid off the loan and should never have sent the check to XXXX XXXX who was not involved in the payoff of the reverse mortgage in any way. I am requesting that XXXX pay an additional {$640.00} to me for disclosing personal information to a party outside of the transaction XXXX XXXX XXXX XXXX. I am requesting a check for a total of {$1000.00} XXXX {$350.00} + {$640.00} XXXX.
Consumer complaint received 2018-02-12
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. (CA)

well i was disputing a collection and the 30 days is up and they never have answer me Direct Dispute In partnership with Submission Pending Submitted to TransUnion Under Investigation CompletedXX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/ and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX XXXX Closed on major U.S. holidays
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TN)

At the beginning of XX/XX/XXXX, I received a notification through XXXX XXXX that Comenity Capital Bank ( Zales ) had closed the credit card I have had with them since XXXX. I have always paid Zales on time, in full, most of the time even early and currently had a {$0.00} balance with them. Due to this closure, it dropped my credit score by XXXX points. I had not received any notification by mail indicating my account would be closed. I contacted Comenity on XX/XX/XXXX, and they stated the reason for the closure was due to inactivity. The address they had on file for me is the address my mom still resides at, and she has not received anything from them. I was told they only send the notices through mail. I asked what date the notice was sent, and they only gave me a range of when it " could have been sent. '' The representative said the notice was " likely sent in XXXX or XXXX, '' but again could not tell me an actual date. I asked if my account could be reopened and they stated I would need to apply again. I asked if that would be a hard or soft inquiry and she said she could not tell me that, and that I would have to contact the credit bureau to know what type of inquiry it is. I let her know she should be able to tell me BEFORE I apply whether it is a soft or hard inquiry, as if she's unable to do that, it does feel misleading. The only way the credit bureau would be able to tell me whether it was a soft or hard inquiry is if the inquiry has already happened, and by that point the damage is already done to my credit report. I filed a complaint with their department but I have not had anyone reach out since.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GreenSky, LLC (TX)

I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. 

This is misleading and confusing, because the promotion was for zero percent interest for 12 months.