davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXX agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX 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 ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


Equifax you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, XXXX XXXX
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.
Consumer complaint received 2023-05-26
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. (CA)

To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXXThis agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after aby 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 ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


TRANSUNION you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, XXXX XXXX
Consumer complaint received 2023-05-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

I was in less litigation with Santander Bank at the beginning of Covid in XXXX. I applied for a loan re-modification with Santander Bank that was supposed to be effective XX/XX/XXXX. I signed and notarized the loan documents They sent me and I mailed them back through XXXX. They said they received what they needed to from me but have not Followed through with the actual loan. 
When I call the mortgage department, they tell me I have to speak to lost litigation, when I call lost litigation, they tell me that it has already been escalated, and theres nothing they can do because its the underwriters that are waiting to approve the loan. Since when does it take a year to approve a loan? 
In the meantime, the payments that Ive been making for a year and eight months in the amount that I was told to pay is only being applied to interest, even though I am not seeing it reflected on the monthly statements I receive from them because the statements that I receive are still the original loan and not the new loan with the modification. It shows that Im making payments, but it is not applied to anything on the statement. When I ask where the money is going towards, I was told it is only going towards interest only, but I have no proof of this either because I am not getting the proper loan statements from them. I dont even have a new account number yet. The original loan account number is XXXX. I have been making payments for 20 months consecutively and should not still be in lost litigation. I am afraid to make principal payments, because I have no idea where the money is being applied. I have called almost every single month since last XXXX and have not gotten any one to help me other than them just telling me, its the underwriters theyre still waiting on.
Consumer complaint received 2017-09-08
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. (PA)

My wife and I are one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

XXXX
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (KY)

I have tried contacting Experian Credit Reporting Agency to have them remove accounts ( XXXX XXXX - XXXX and XXXX  - XXXX ) off of my report and it has not been done. More importantly, Experian reports a score of XXXX on their application ; however, when going to their website and paying for a report, it is reported at XXXX. This has caused me to be advised by false information when using their " cards or loans that match '' to secure additional credit. This information that they are giving me through their app is false and has caused me great harm and I think they need to remove all credit inquiries this year. As well, they have personal information incorrect.
Consumer complaint received 2017-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage has been giving me the big runaround about a loan modification, meanwhile they are tacking excessive fees running up the amount they say they are owed. I demand that they produce a promissory note or some other proof that they are the bank that even owns the property. I should not have to hire an attorney to force them to produce proof that they are they have a legitimate copy of the note, especially if they are going to try to claim that they are owed way above what the monthly payment should be.
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (WA)

Bridgecrest is the company that I have my auto loan through. I recently spoke with them because I was told that if I was on the app I would see what day I would have to worry about my car being repossessed or being in repo status. I noticed a tow truck car driving by my house and decided to call them and I talk to a representative who then told me that I had had 24 failed bill pay payments go through my account since the beginning of the year of XXXX this was shocking to me because I knew that the total was always so high of what the bill and payments did they wanted were and then it never seem to go down a matter how much I Paid, Ive had this car and repossession status several times because they never are straight with what is going on with the account. I was told by this representative that XXXX XXXX bill pay was trying to take out every week or so money to pay on my loan, but I havent had a XXXX XXXX account since XXXX. Theres no way that I will have an account open in order to do a bill pay and when I called XXXX XXXX and ask them about it they had no idea what I was talking about so I asked Bridgecrest if they would refund the fees that come with each of these billpay payments being returned, which is adding up to be now hundreds of dollars And I was told no. I believe Bridgecrest is a predatory loan company I think that they dont want me to do well with this loan they dont want me to pay on time they want to repossess the car again because they know that I will get it out because Ive already done that twice. Ive proven that I have the ability to Pay the extra money that cost to get it repossessed and out of repossession. I think they bank on that and I think they live off those fees that theyre charging me off some bogus XXXX XXXX bill pay that no one can explain to me if you think about it 24 payments through this XXXX XXXX bill pay they charge me a return fee of {$24.00}. Every time thats over {$400.00} that that, I am owing that I should know because I never sent anything up like that. Im hesitant to pay them any money at all because Im not sure where they apply. It seems to only go towards the interest and never towards the principal and I am afraid that its in their best interest to repossess the car, rather than let me pay off the loan, also I was told that someone manually put me into repossession status, which is why I was not able to see it on the app and it came right after my negotiation with another auto dealer who would be willing to pay off my loan from Bridgecrest and instead lend to me for a new car. Its my belief that Bridgecrest would rather get the car and sell it then have me have someone pay off the 10 day payoff quote, which would be thousands of dollars that they would miss out on on these bogus fees.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, 2015 I purchased a XXXX XXXX from a local XXXX dealer. I was trying to get financing through XXXX bank but opted to go with the Chase since XXXX could not process the loan application before the vehicle was scheduled to be picked up. On XXXX XXXX 2015, I received confirmation through the mail that I had received financing from XXXX. On XXXX XXXX 2015, I visited my local XXXX bank and decided to utilize the loan from XXXX since the terms of the loan were better. XXXX initiated the loan process and sent a check to Chase on XXXX XXXX, 2015 for the amount of {$30000.00}. According to the copy of the check I received Chase cashed the check on XXXX XXXX, 2015. Assuming the process was complete I started making payments to XXXX in XXXX of 2015. 
On XXXX XXXX, 2015 I received a letter from Chase indicating that my loan payment was due. I contacted Chase to explain that XXXX held the loan for the car and the Chase representative stated that Chase held the loan for the car. I contacted XXXX in XXXX in an attempt to determine why I was being contacted by Chase regarding a loan that I thought had been paid off. For the last XXXX months I have been forced to make payments to both XXXX and Chase for the same car loan. Chase has done nothing to resolve the issue. Personnel from XXXX have tried to determine how a check was sent to Chase, the check was cashed by Chase but no one at Chase seems to know where the money has gone. 
To date, no one from Chase has ever contacted me regarding this matter. While I have repeatedly contacted them with assistance from XXXX. Each time contact is made, I am told that I will be contacted by someone from Chase with information pertaining to my loan.
Consumer complaint received 2023-05-26
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. (TX)

I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.
Consumer complaint received 2023-05-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account nameXXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.