davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (LA)

Dear XXXX XXXX XXXXXXXX, Account number XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXX XXXX, {$25000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed that incorrect information is still being reported by XXXX, Experian, and XXXX. Despite submitting multiple disputes, the inaccurate data has been repeatedly verified as correct. I have attached clear evidence that shows this information is wrong, and the failure to correct it violates the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 609. These provisions require that credit bureaus and data furnishers ensure the accuracy and integrity of the information they report. 

I am requesting that this incorrect information be removed from my credit report immediately. Continuing to report and verify inaccurate data without conducting a proper investigation is unlawful and negatively impacts my credit standing. I urge you to take corrective action and update my credit report to reflect the correct information.
Consumer complaint received 2020-01-06
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. (FL)

It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO FINANCEhas been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CAPITAL ONE AUTO FINANCE did not disclose that it was an attempt to collect a debt. CAPITAL ONE AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CAPITAL ONE AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. Also CAPITAL ONE AUTO FINANCE is 15 USC 1692k ( a ) ( 2 ) ( A ) civilly liable for their actions.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

Exeter Finance is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (AZ)

The beginning of XX/XX/2019, I decided to refinance my home loan with my current loan servicer, DiTech. On XX/XX/XXXX, I advised the loan officer that I did not want to use their Title Escrow partner, XXXX XXXX XXXX, and wanted to use XXXX XXXX in XXXX, where the subject property is located. I provided XXXX XXXX with the contact info and fees sheet from XXXX XXXX. 
On XX/XX/XXXX, the contract processor, XXXX XXXX, informed me that they did not start the vetting process on XXXX XXXX and the fees for XXXX XXXX XXXX was approximately {$20.00} greater. I showed her the the fees were {$570.00} greater per the loan estimates. She then told me that these number were initially estimates and the fees are {$66.00} greater. 
When I signed the loan documents on XX/XX/XXXX, the fees were {$170.00} greater. 
I sent a letter and copies of the emails to DiTech for a refund on the {$170.00} that they said that my loan was transferred to XXXX XXXX, and they can not do anything. They transferred my letter and request to XXXX XXXX. 
This is passing the buck to the new loan servicer and not the company who misrepresented themselves.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX  XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX and XXXX XXXX respectively.

1 ) The original creditor must delete the prior-payment history completely.

2 ) A date certain must be stated as to when the credit tradeline can be removed.

3 ) The charge-off status must be deleted permanently.

All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I have a mattress firm credit card thru SYNCHRONY bank I had my credit limit raised to XXXX from XXXX I owed about XXXX on card I used it to buy grand son a new bed costing XXXX I tried to buy sheets for beds costing XXXX they lock my account for this claiming fraud then when I called them they tell me I have to send a picture of me and a picture of my DL to them to unlock this account which I refused to do so they refuse to unlock my account so I can not use my card to buy anything else
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (NM)

We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales. 

We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company. 

I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations. 

Sincerely,
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

I was sued by LVNV FUNDING, LLC for a time-barred debt for the amount of {$4900.00}. The last payment made towards the extended credit was on XX/XX/XXXX. The account went into default on XX/XX/XXXX. Which made it time-barred on XX/XX/XXXX. On XX/XX/XXXX is when they filed their lawsuit against my XXXX XXXX name. 

The original creditor sold my debt to the debt collector on XX/XX/XXXX. In the lawsuit they claimed that XX/XX/XXXX was my " Last payment made '', which was the first deceptive practice that they claimed in there lawsuit knowing very well that was false. 

In California Statue of Limitations is 4 years to be able to file a suit. They sued me 4 years, 1 month and 2 days. 

I was in and out of court for 6 months while teaching myself how to represent myself against these deceptive claims. On XX/XX/XXXX I finally was able to prove my case in court and had my motion to dismiss- Statue of limitations granted by the judge.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (CA)

We were denied a claim for {$1500.00} for excess wear and tear. We extended our lease for a XXXX XXXX XXXX XXXX and were not informed that it would affect our excess wear and tear charges, which we paid coverage for. The car was returned on XX/XX/XXXX and a new VW lease was purchased on the same day. We were charged the same monthly payment amount for the extension of the old lease. We were still paying towards excess wear and tear coverage and it should have been covered.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I electronically submitted an additional {$1000.00} escrow payment with my XX/XX/20 payment to my mortgage servicing company. The {$1000.00} was not applied to my escrow balance. Spoke to company. They found a record indicating I submitted the payment and said it would be applied it to my account in 24-48 hours.  However, they had no idea how this happened. Asked to speak with someone who could address this issue and was told there wasn't anyone to talk to about this. Since I don't have a choice as to which mortgage servicing company I work with, how I am supposed to trust them with my money?? The bigger concern is has this happened to others that aren't even aware??
Consumer complaint received 2020-01-05
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX    XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX   Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX Inquiry : XXXX. XXXX, XXXX + National Credit Card Cos. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/19 Statement New purchases Summary Account Activity {$2.00}, XXXX ref # begin with ( F ) are NOT NEW PURCHASES {$860.00} New purchases are without the ( F ) ref # There are {$1.00}, XXXX UNEXPLAINED NEW PURCHASES that are not new purchases that do Not give Accurate Purchase Date or any Merchants Name of who placed purchases of {$1600.00} on my card I KNOW DID NOT
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX I deposited a check for {$1000.00} into by checking account at PNC before the next business day cutoff time. I was not notified of any holds placed in this deposit. The full amount of my deposit was not credited to my account to cover items presented that night which resulted in an overdraft fee. When I contacted the company I was told their policy was to only credit {$100.00} of any deposit made towards items posting that night and the remainder of the deposit posted the next day. How can they hold funds without notice? Why should they have a standard policy to not fully credit funds to their customers accounts until the following day? This policy is obviously in place to cause overdrafts and generate fee revenue and hold funds to make additional float in it. Its an unfair practice to place on consumers and opposite if any other bank that I know.
Consumer complaint received 2020-01-05
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)

you say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

XXXX report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have submitted ALL information requested by Experian. Yet they are accusing me of this and this is NOT TRUE : XXXX XXXX XXXX, We are responding to your request that information in your personal credit report be blocked due to identity theft. 
Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that you are seeking to block. 
Therefore, we are declining your request to XXXX XXXXXXXX or more of the items of information. If you have additional relevant information that indicates that the disputed item ( XXXX ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( XXXX ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. 

This is a dishonest stall tactic. I have submitted ALL information required by the FCRA and EXPERIAN to BLOCK/DELETE these accounts.
Consumer complaint received 2020-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (NC)

On XXXX XXXX, XXXX I was in a car accident. The deductible to repair my car was {$500.00} so on XXXX XXXX, XXXX I contacted the company the car is financed with to notify them what had happened and I requested a payment extension for the month of XXXX to help cover the deductible. The finance company is Avid Acceptance and the agent I spoke with is XXXX XXXX. The contact info I have is XXXX ext XXXX. I was told I could have an extension for the month of XXXX and he emailed me a document on XX/XX/XXXX stating as such. The email and form said to reply to the email that I accept the terms and it would be processed, which I did. I assumed the matter was taken care of until I received a voicemail from someone at Avid Acceptance named XXXX, same number but her extension is XXXX, on XX/XX/XXXX claiming to be XXXX XXXX supervisor and stating that I had not responded to the extension document, which I had. Upon returning her call that day I was connected with XXXX again who informed me that the XXXX extension had not been processed and I would need to make the payment and he would try to defer XXXX to get me on track. This was also sent in an email from him to me on XX/XX/XXXX. On XX/XX/XXXX I was again contacted by this 'XXXX '' who never seemed to want to talk after leaving a message to contact her ASAP, again I was connected to XXXX who gave me the run around again and was adamant about me making a payment for XXXX. My credit report was also reported as a late payment over 30 days at this time. On XX/XX/XXXX I  submitted a payment in the amount of {$400.00} which was supposed to be my XXXX payment due on the XXXX but was in fact credited as payment for XXXX. I began calling everyday to speak with either XXXX or XXXX and emailed also with no response as of today. I have recorded phone conversations being told over and over that XXXX and/or XXXX are busy or out of the office with different agents asking to help me until I explain the situation and its passed on. I am concerned they are avoiding the extension that was promised and trying to destroy my credit in the process. I am currently in Chapter XXXX and this finance company was selected by my trustee as the car was purchased while I am in bankruptcy. My monthly funds are limited and I requested one simple extension which In writing looked legit but no one can seem to make happen in reality. I have documentation, voicemails and recordings to support my claim.