davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
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. (NC)

XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Equifax, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMTDUE SHOWS : {$4800.00} THIS ACCOUNT WAS OPENED OVER 12 YRS AGO. IT FAR SURPASSES THE 7 YR TX REQUIREMENT FOR STAYING ON A CREDIT REPORT. IVE ALREADY SENT IN A DISUPUTE THROUGH XXXX AND IT IS STILL SHOWING. I NEED THIS REMOVED FROM MY REPORT, ITS SEVERELY AFFECTING MY CREDIT. IM GETTING DENIED FOR THINGS I SHOULD BE EASILY GETTING APPROVED FOR. THIS AMOUNT WAS ALSO SENT TO A CONSOLIDATION COMPANY BACK IN XX/XX/XXXX. PLEASE TAKE IN CONSIDERATION OF REMOVING THIS ASAP.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Experian.com manages my account profile, but experian refuses to change my phone number. I can not access my credit to unfreeze my credit reports. Experian is denying me acces to credit because experian does not permit users to change phone numbers and has no mechanism beside phone calls to report the issue. 

can not change phone number on account profile. Tried three times XXXX, XXXX, Get " We couldn't verify your phone number at this time. Try again later. '' error. 
Tried to file complaint from experian web site, but no form exists to file account error.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (MS)

I took A title loan out around XX/XX/XXXX to pay for school. When I took out this loan I was encourage to get the max and told that after paying I would be credited for some of the principle and most will go to interest. The loan was around XXXX and till this date I have paid OVER XXXX and no money has been credited to the principle of this loan. My car is only worth XXXX and it has transmission issues now so that lowers the XXXX XXXX value. I bought this XXXX XXXX XXXX ( with now XXXX miles ) a year old and it only cost me XXXX. I have been homeless and had to live in my car a couple of times because I couldn't pay all of my rent and made the choice to pay this loan. I have reached out to corporate twice begging for help no one responded. One time a agent called me and went off on me screaming about me being one day late and said she doesn't play and she will send someone to collect my car so I was pressured to use some of my rent money to pay, which resulted in me getting behind and getting evicted.. I was given no options for help after I asked. My car was repossessed sometime this year and I took all of my money to get it back. Nothing was credited to the loan and that was around XXXX. I then got behind on my rent again and was evicted again. I spoke with a Title Max agent that called me for collection and I told them the amount that I had paid and they couldn't believe that I was never given a settlement amount and that nothing was credited to the loan after paying so much. I would have never taken this loan out If I would have known that I would pay over XXXX in fees and payments and still owe. I was never told that nothing i paid wouldn't be applied to the principle. I thought it was a payment plan. It was not until this year that someone broke it down. I have done all I can do and I need my car to get to work. I would like to come up with a plan to keep my car. I feel like when signing the loan in XXXX the agent wasn't truthful and I would have never taken this amount out. I have paid like 6 times the amount that I borrowed and still owe. I'm currently overdue and trying to come up with the money to pay. I'm so stressed out because I don't know If my car will still be outside. I was deceived and pressured to take this amount out. The terms where not fully explained to me when I was signing for the loan. I'm taking my money for bills to pay another payment when I get paid. I just want this nightmare to be over!! My car needs fixing at this point and I cant do that and pay my loan. Sometimes I get stuck at work because I'm able to always back up. I just really come up with a solution. The current manager is the only one who has broken down how these payments work but he was not there when I took the loan out. All agents need to be truthful ....
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is against PORTFOLIO Account # XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with PORTFOLIO Account # XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of PORTFOLIO Account # XXXX? If this is a collection account how can you put a status of " XXXX ACCOUNT. past due ''? have never opened an account with PORTFOLIO Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with PORTFOLIO Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Consumer complaint received 2019-08-02
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. (CA)

XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information that continues to appear on my credit report, despite previous disputes. This account has been verified and updated multiple times, yet there are still significant errors regarding the following : Date Opened : The reported date is inconsistent across the credit bureaus. 

Date of Last Activity : The date of last activity does not match the actual account activity and varies between bureaus. 

Last Reported Date : The last reported date should be consistent across all bureaus but currently is not. 

These discrepancies are incorrect and must be corrected to reflect accurate information. According to the Fair Credit Reporting Act, all information reported must be accurate, and these errors violate my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i.
Consumer complaint received 2024-06-05
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: CITIBANK, N.A. (CO)

I have called CitiBank countless times in which their system notes reflect that things are inaccurate yet somehow my disputes are been closed as if someone cant read or unwilling to investigate. They sent out emails stating my account was closed last year, in which I then worked out a payment arrangement to take care of the account in full per there arrangement to not to continue to leave derogatory remarks. Once money was paid, along with extra fees, somehow my account wasnt closed until this year with extra derogatory marks stating 150 days past due and etc.
Consumer complaint received 2024-06-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

On XX/XX/XXXX I reached out immediately to progressive because I noticed derogatory mark on my credit file. 
XXXX XXXX from progressive told me in XXXX| had a balance of XXXX | was not aware because my policy was renewed XXXX years and it was never mentioned to me about a XXXX. I'm currently with progressive today and XXXX on my auto policy. XXXX enroll in automatic payments if I was inform or sent a current email about the balance I would have paid immediately. I was told by XXXX from progressive that it was overlook during XXXX pandemic. I spoke with agent XXXX from collection XXXX XXXX XXXX and paid amount in full immediately with XXXX and she also said she would put in a request to the credit bureau to remove derogatory mark from credit file.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MO)

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Caine & Weiner # XXXX {$380.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Caine & Weiner XXXX XXXX XXXX. XXXX FLOOR XXXX XXXX, CA XXXX | ( XXXX ) XXXX Can you look into this matter?
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My name is XXXX XXXX XXXX, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In if, general 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 item or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file bf 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. 
Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX is currently on my credit report, which is an auto loan in the amount of XXXX. Looks like it was open since XX/XX/year> without my consent. My identity has been stolen and I had no idea of this. Ive reached out to this company to get more information, but they suggest I file police report or a complaint. Id like this to be removed as soon as possible please!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX continues to report my payments as late, even though I am paying as agreed. I am the co-signer on the account and have been forced to repay due to the other party backing out of their obligation. My credit is being destroyed EVERY SINGLE MONTH by Credit Acceptance. I am paying bi-weekly which is more than the original payment is. I would try and refinance but my credit is tanked EVERY SINGLE MONTH by them reporting it as a late payment. I recently tried to apply for a mortgage and I was told my denial was solely based on this car loan from Credit Acceptance. 

I would like to try and work something out, but everyone there in every department simply says these are the rules and they can not report my payments as timely because of the balance due. I am paying as agreed, and the amount is more than the original monthly payment is.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SEACOAST BANKING CORPORATION OF FLORIDA (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi sent me a new card around XXXX of 2023. I was traveling so didn't receive the card. When i came back home, i didn't find the card in my mailbox and found out CITI closed my credit card account without any explanation. Ever since i contacted CITI cards multiple times to give me my cashback thankyoupoints which amount to some XXXX dollars. They always make different excuses. Once i was told by the customer agent that the check is sent but i never received it.
Consumer complaint received 2024-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: American Financial Resources, Inc. (CA)

On XXXX an OPEN status mortgage is shown on my property that was taken out on XX/XX/2005. Total Amount = XXXX with outstanding balance = XXXX. The borrowers are XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Lender = American Financial Resources , Inc for a XXXX  year loan at XXXX  % according to Public Records, but no county level leans are showing on the Title preliminary report by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, CA XXXX. Escrow No. XXXX. Contacted XXXX XXXX XXXX whom asked me if any fraud was involved in this Real Estate Transaction, so I explained the above info. The response was I dont understand. This is causing my transaction limits in selling AS IS distressed owner sale by my realtor XXXX XXXX, whom I have told this issue and his response was to sell my home to a resale business at a cut rate price XXXX under the agreed price of XXXX when XXXX  listed. This realtor has duel contracts as both buyer and seller realtor in this transaction. I have sought out legal help through legal referrals through the CA XXXX XXXX XXXX. The referrals response was I will not help you without referral for help from another specialized law firm.
Consumer complaint received 2023-05-04
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXXXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

My wife reached out to because she XXXX XXXX and is trying to help me get a quote. She found that I have a fraud alert on my social security number/ credit report. Including I continue to be denied by XXXX XXXX  and I was denied housing due to this credit issue.