davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-31
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : CXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, There an Unauthorized my credit report again this happens twice when I live in this address XXXX XXXX XXXX XXXX. Even though I tried to freeze my credit often now and then but still I believe this same person stole my mail and applied for X1 credit card in the past use my information again. 
I saw my credit hard pull again with same company XXXX that always offer loan in my mail. My latest credit report show hard inquiries that I did not authorize on my XXXX XXXX APP on XX/XX/. XXXX XXXX  APP is always couples day or if not a week behind of update on credit profile is the reason why I just saw a hard inquiry showing on my credit report. 
I did contact XXXX regarding this issue but they told me to call local police again because this happened to me twice with XXXX  and luckily XXXX unable identify that person was me. Please remove this unauthorize hard inquiry out of my credit report ASAP! The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. Police state they wont provide me with actual police report in PDF form is their own city policy. As you can see, Im very cautious with freezing my credit profile often now a day but due to I unable to freeze my credit report anytime on TRANSUION WEBSITE due to some kind of error that I unable to do Freezing manually on my own that causing me a whole lot problem like right now. 
Transunion need to fix issue on my back end so I can manually freeze and unfreeze my credit report anytime just like other credit bureaus to prevent hacker from use my information to apply again!
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2021-07-23
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: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX I called Experian to record a fraudulent account that was open and submitted a copy of the FTC that I reported. On XX/XX/XXXX I received an email stating thAt the information was accurate. I am a victim of fraud and Experian has record of that. I also so have a few fraudulent inquiries which I reported to them and has not been solve. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 's XX/XX/XXXX, XXXX XX/XX/XXXX. 
None of these issues has been corrected. Attached please find a screen shoot of their response and copy of my repo=rt to Federal Trade Commission XXXX Al Experian XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/XXXX XXXX Print report | Important messages Your credit report and dispute results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


The information you disputed has been updated. Please review your report for the details. 
The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Please review your report for the details. 
Information on this item has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX Contact us by phone - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in your time zone. 
XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX upload Submit documents supporting your claim electronically at experian.com/upload. 
Important note Any pending disputes will be highlighted below. 
Here are your dispute results XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX numberStatus Show more XXXX XXXX XXXX XXXXXXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute view your options
Consumer complaint received 2024-06-28
Product: Credit reporting 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. (NC)

The loans was taken off I had a XXXX XXXX The loans was over 20 years. 
US education has taken the loans off but the loans is still showing in my score making my score like XXXX, I can't buy anything on my loans scoree my score is horrible I need this to loans taken off I'm immediately
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to address an issue with inaccurate late payment entries on my credit report. After carefully reviewing my payment records, I noticed several instances where payments were reported as late despite being made on time. Over 30 days ago, I sent correspondence along with documentation disputing these erroneous late payments, but I have not received a response or resolution. 

Despite my efforts to resolve this through proper channels, the inaccurate late payment entries remain on my credit report. This is unacceptable and violates the Fair Credit Reporting Act, which requires credit bureaus to maintain accurate consumer credit information. 

I am respectfully demanding that you investigate this matter promptly and remove or update any inaccurate late payment entries from my credit report. Continuing to report incorrect payment information is misleading and damaging to my credit profile.
Consumer complaint received 2016-05-19
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (NJ)

Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. 

I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. 

Please Help if you can. Thank you.
Consumer complaint received 2024-06-28
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

Ive recently received a copy of my credit report and noticed several inaccurates and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PR)

While I XXXX and was restricted of movement and communication in the in the rapid-changing covid 19 environment we have all been subject to, Synchrony Bank insisted in using ; 1. predatory lending techniques ( I will explain below ) 2. after they approved the credit they decided to revoke the credit granted on the basis that I " did't have solvency '' according to the XXXX  Credit Report letter dated XX/XX/XXXX 3. This action of reducing the credit cards original balance of {$3500.00} to specifically the amount owed of {$660.00} dramatically affected my credit score ( SCRA ART 518 SEC 2.A ) and other credit card accounts from Synchrony Bank and other account that where not from Synchrony Bank as well.

4. I contacted them as soon as I could on XXXX to let them know that plans had changed, I was told I would be quarantining with my phone for two weeks prior to starting bootcamp but the protocol changed and I was not going to be able to make payments until I graduated from bootcamp and there is evidence because they sent me a letter to enroll me in SCRA benefits dated XX/XX/XXXX as evidence of that call. 

Once I graduated  on, XX/XX/XXXX, I called and the teller for Synchrony Bank told me it was ok, that my accounts would not be closed if I made payments of specific quantities. Which I did. I actually payed in full the XXXX Mastercard credit card ( {$620.00} ) and made other big quantity payments to other of the Synchrony Bank credit cards, ( {$2000.00} for XXXX  MasterCard on XX/XX/XXXX ) because this would prevent them from closing my accounts. However my account were still closed and my credit score plummeted 123pts because of this. ( ART 518 SEC 3 ) While I would have remorse if this happened and I was not XXXX the fact is I was. If I had not XXXX this would not have happened. Does this bank understand that? I am a responsible person. I XXXX in 2 months from swearing in to serve my country and I had to make a lot of adjustments in my civilian life in order to serve, I can not believe the circumstances by which it happened. I wrote, sent faxes and personally called the three ( 3 ) customer service departments for each credit card company and they acted like they didn't care, like they deal with this in a regular basis, were they just close customers credit accounts without previous announcement. I wasn't home to receive any of the letters. I didn't have access to any type of communication and to put the cherry on top they just told me I could just re-apply for credit. ( ART 518 SEC 2 C ) Like re-applying for credit won't affect my credit score even more.

Would anyone who encounters such cruel treatment of a service member ever re-apply to for service in a place where they where served so badly in the first place? 

I read through the SCRA and found several articles to apply to my specific situation. ( ART 523 SEC A, B, B1 ) I have evidence to prove every statement made.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

Date : XX/XX/year> My account was locked for unknown reasons. Unable to verify my identity because my phone number " doesn't match the name on the account. '' I need an affidavit to verify my identity. An affidavit was never sent. Unable to verify my identity and now locked out of my account with nearly $ XXXX in it. According to them, there is no other way to verify idenitiy.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-10-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (OH)

ERC contacted my elderly parents at a number and residence that I have not lived at or used in over twenty years. They attempted to pump my parents for information about me but would not state who they were or what they wanted. I only found out that they were a debt collection agency through XXXX. This number and residence have never been associated with the account in question and I never gave permission to be contacted at this number by anyone.
Consumer complaint received 2016-12-28
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XXXX/XXXX/2016 My Citizens Bank ATM/Debit card was refused twice - once at a store and once at a parking meter. I called the service number on the back of my card, was told by a service agent that the fraud department had put a hold on my card and was transferred to a fraud department service agent who painstakingly verified my identity before my cell phone call was disconnected. 2 hours later, from home, i called again on my landline, once again verified my identity through numerous numbers, and security questions before being transferred to the card fraud service department where an agent told me I would have to appear at a branch with a photo ID. When i asked why she said my account had been notated. When I asked ( politely ) why she said she could not add further details. I asked to speak to someone who could, was transferred to a XXXX who rudely and belligerently insisted a 'previous caller ' ( surely me ) could not establish his identity. This is untrue - I was the previous caller and I had satisfactorily established my identity. When I insisted my card be unblocked i was told I would be transferred to a manager XXXX I was put on hold for approximately 7 minutes at which time my call was dropped into an unnamed voice message system.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Bridgecrest Acceptance Corporation (NC)

I bought a XX/XX/2012 XXXX XXXX from XXXX and it turns out that it was a lemon. The transmission is slipping and my car shudders. The more I look into the issue the more it seems like XXXX should have told me that this would be an issue. Also I am being charged >24 % interest on the vehicle, is that legal? I purchased the car alone and I feel like I was taken advantage of.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I purchased a 2013 XXXX XXXX XXXX and omg worst mistake of my life i have contacted credit acceptance and XXXX both consumers gave me the run around and said i will be held responsible for payments still even though i was sold a piece of crap