davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (VA)

XXXX Experian RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (CA)

/-/-/-/-/-/- The original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The original transaction occurred on XX/XX/XXXX XXXX 
The quoted amount and payment arrangement differ from the actual bills from the following 12 months. I was billed a much higher amount, under a term neither disclosed to nor acknowledged by me. 
I cant not tell the exact total amount, as that figure was not reflected on multiple incoherent invoices. I was led to believe at the time of service, that my remaining balance is {$0.00}, after my initial co-payment and on-going insurance payment. 

I hired XXXX XXXX on XXXX to assist me in resolving the billing discrepancy. XXXX XXXX XXXX XXXX XXXX XXXX was not responsive in the following attempts to communicate. I was told by XXXX XXXX that after initial contact, none of the following XXXX phone calls over a period of 3 months were returned. 

On XX/XX/XXXX, I sent a letter to company XXXX XXXX XXXX along with a check for insurance payment I received up to that point. In the letter, I requested a copy of the sales agreement I agreed to prior to receiving the equipment, along with any advanced notices and consent forms I am required to sign, per state and federal laws. 

The check was cashed 6 days later, but the information requested in the letter was never provided. 

/-/-/-/-/-/- The debt collector is : SIMM Associates , Inc . 
XXXX XXXX XXXX XXXX, DE XXXX Amounts claimed by SIMM is {$600.00}. 
On XXXX, I requested debt validation. The collector did not provide a response is 30 days as required by the Fair Debt Collection Practices Act. 

I requested the following information from the collector : 1. Your credential, license numbers and Registered Agent that entitle you to engage in debt collection activities in the State of California and the XXXXXXXX XXXX XXXXXXXX. 
2. Proof of any assignment or transfer of the alleged debt, including a copy of the assignment agreement.

3. The name, address and contact information of the original creditor.

4. The correct original account number.

5. The date ( s ) the alleged debt was incurred.

6. Any sales agreement ( s ), payment agreement, payment already made, complete and itemized bill associated with the debt that I agreed to.

7. Proof of my receipt and acknowledgement of any advanced notices, consent forms mandated by federal and state laws relating to the specific product and services provided.

8. The amount claimed, including any fees or interest charges.

9. Proof that the product and/or service has been provided according to the sales agreement above.
Consumer complaint received 2023-05-03
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. (FL)

I have tried to remove several inquiries from my credit report with XXXX Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an XXXX representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.
Consumer complaint received 2020-06-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (SC)

XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XX/XX/XXXX. I have contacted XX/XX/XXXX and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (TX)

Overnight the night of XXXX, XXXX 2023 Currents ap locked me out of their ap requiring me to revering to log back in and revering my info. I started this process Once I started getting notifications on XXXX at XXXXXXXX XXXX that bills werent being paid. I l followed up promptly them via email since that is the only way they allow you to contact them once you are locked out of your account that I needed access ASAP as items werent clearing because I was unable to move money from savings to checking. was unable to log back in and I got a message someone I received an auto message at about XXXX XXXX someone would be in touch still within 24 hours. 
I still didnt hear back at XXXX and since I cant contact them in any other form and was naturally having a near XXXX XXXX still unable to access money emailed them again to request someone get back asap. 
Finally at XXXX XXXX I got a message from XXXX with current asking for a selfie with a copy of my id. I sent the selfie with my passport and a copy of my passport alone back at XXXXXXXX XXXX again asking to please rush as it is causing me fees etc not being able to access my account and soon I would lose utilities if I could not access my money. 
At XXXX XXXX XXXX I still had not heard back and at this time I cant sleep, panicking. I emailed currents help desk and XXXX back indicating I was still waiting. 
I tried to log back in to my account at that time which it still says I didnt have access and their system created another helo desk ticket. 
XXXX I now dont have internet now because XXXX cant pay my bill and have to go to a truck stop to use their internet at XXXX. Emailed XXXX and help desk again to indicate I am still waiting. 
XXXX at XXXXXXXX XXXX I still had not heard a word and I emailed them back again to let them know I would be filing a complaint. I still havent heard back and its XXXX XXXX I am hysterical. I dont know what to do. Can you please help?
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Select Management Resources, LLC (NV)

I defaulted on a title loan in the beginning of XXXX they repossessed my car. I owed {$1700.00} at the time of repossession. They informed me that to get my car back I have 7 days to pay {$3400.00}. They were charging me {$1700.00} for repossession fees, storage fees for 7 days and towing fees. Which seems excessive. Well on the 8th day they auctioned my car. They sold it for roughly {$6900.00}. I received a letter from the company stating the overage. Letting me know I was owed {$3500.00}. I called the company to receive my money I was told a check would be issued in 30 days. Its been almost 120 days and no payment from them. Every time I call the tell me there is no updates or scheduled date for my payment to be mailed. Ive been calling for over 90 days. They gave me 7 days to pay them but they can not give me a check for what Im owed almost 120 days later. I should not have to wait any longer to be paid whats mine.
Consumer complaint received 2024-08-10
Product: Credit reporting 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)

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.

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 XXXX 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 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER HOLDINGS USA, INC. (VT)

Santander bank allowed someone to open online a checking accound around XX/XX/XXXX. I was in the process of moving around XX/XX/XXXX so they did not even have the accurate address but because my mail was forwarded I got the congratulations letter for a new account. I immediately called them and was assured the account was closed and I didnt need to do anything else. I then received a letter from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The person who opened the account was allowed to overdraft {$460.00}. I immediately called the bank again. I filled and sent all the paperwork and have called over 10 times to be told that a back office handles it and they dont have updates and with 0 assistance. Have been told different stories each time - one time was told they did determine it was fraud but didnt know how to take it from the collection agency, another time that the file was closed I verified with the collection agency that they havent done anything to remove the charge.
Consumer complaint received 2023-05-03
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. (FL)

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Transunion RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have tried to work with Truist Mortgage for the past 3 years to get current and apply for a modification or repayment plan. I believe they are treating me unfairly and they do not want to assist me with keeping my home and I have been going back-and-forth with him about the tax liens. They said the title has to be clear but the tax liens are from a payroll business debt not personally but that shouldnt matter but i wanted to apply for a repayment plan and/or modification. Im not trying to refinance the home and they keep saying that the title needs to be clear but looking at research and other mortgage companies they dont really worry about that because they already first on the title. But theyre already first on the title, but I understand Tax Lien supersede any debt on the property, but I also offered and turned in the paperwork for a subordination agreement for the tax liens and they would not proceed with any assistance. when it comes to that issue when trying to refinance or modification, I dont think theyre being that reasonable with me and I think they keep telling me no because they just do not want to provide me with mortgage assistance. And, they want to sell my property and get the money because there is equity in the property. I need to get some assistance for the mortgage an keep my home.
Consumer complaint received 2023-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to XXXX XXXX XXXX demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit. ( m ) The term accepted credit card means anycredit cardwhich thecardholderhas requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services oncredit.
Consumer complaint received 2023-05-03
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: American First Finance, Inc. (MS)

I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my XXXX credit report. I have since frozen experian, XXXX, and XXXX credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is American First Finance.
Consumer complaint received 2023-05-03
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. (SC)

XXXX  XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/2023 that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX  XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 conviction 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : my name is XXXX XXXX I am responding to your email it states your company this report to Office Financial of Currency I received a letter from them stating they are not going to respond to any more complaints, which is not fair to me especially when I gave them evidence but they ignored my claim. My last resort is to get a lawyer and file this complaint with the XXXX XXXX XXXX especially when my evidence is being overlooked or destroyed by the Office Financial of Currency and XXXX which is a violation against according to FRCA Thank you, XXXX XXXX