davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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. (IL)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date the only response that I have received was a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 


XXXX ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION. 



XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT # XXXX PLEASE DELETE OR I AM SEEKING LITIGATION.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Genesis Lending (VA)

I just got a letter on   XXXX   XXXX   XXXX    abo ut the deceptive practices for  XXXX   college that  I attended in  XXXX  and graduated  XXXX  from the  XXXX   XXXX   XXXX   Virginia Attorney General. I had  a Genesis loan  that I had paid off in the meantime. I found my letter from them when I got this loan back in  XXXX   XXXX . I have tried calling the number on this paper (  XXXX  )  XXXX , which w as Gensis  lending which then referred me to these  XXXX  numbers (  XXXX  )  XXXX  or  XXXX   XXXX   XXXX   XXXX . These  XXXX  companies have no information because I have paid off my loan. So I do n't know about how to go and get information for them to refund me the amount I had paid them.
Consumer complaint received 2017-05-05
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: EQUIFAX, INC. (NJ)

Equifax, should be investagated.  Two y ears ago i had a problem getting my online annual credit report due inaccurate questions that i couldnt answer because i never had mortgage or car loan. Or lived at the addresses Equifax has for me! I had to mail documents as to my identity. Weeks later and after a call i finally got my credit report with inaccurate information on it. I had no problems with the oth er two cr edit reporting agencys and the disputed inaccurate information was taken off my report   XXXX    a andd    XXXX  . I have been fixing my credit over the years And t he Correct  information is  Paramount  when it 's about your credit worthyness. EQUIFAX should be investagated by The Attorney General because there are hundreds probably thousands of complaints online about Equifax of people having the same problems with inaccuracies EQUIFAX Refuses to fix these problems. Credit is important to the lives of all americans AND EQUIFAX IS NOT A REPUTABLE REPORTING AGENCY. AND SHOULD NOT BE USED FOR CREDIT REPORTS. I should be able to view my online credit report online instead of having to mail and send the same documents again because EQUIFAX WAS GIVEN THE RIGHT INFORMATION BUT REFUSES TO USE IT. PLEASE DO SOMETHING ABOUT THEM. THANK YOU
Consumer complaint received 2024-10-04
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. (MS)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I have had the Gander Mountain Credit card through Comenity Bank for at lea  st 10 years without any problems. Starting this year we have gotten late fees and interest charges for the last 3 out of 4 months. The first time I called they stated that the payment was received on time and reversed all charges. After that they would reverse the interest but not the late charges.
In ten years I have always sent the payment on time and never been charged these fees. My daughter also has this card and she has auto withdraw from her checking account and she was also got a late charge, which should never happen because the money is pulled automatically from her account.
I do not know if this has anything to do with Gander Mountain filing bankruptcy but I feel I was treated unfairly and I will no longer use this credit card or any card through Comenity   Bank.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
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. (TX)

information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range.
Consumer complaint received 2024-03-15
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Staring in XXXX on or about I started with the extension of credit. 
XXXX XXXX XXXX credit limit {$5000.00} perfect payment history and then when I finishing paying the balance Synchrony closed the account for no reason other then information pulled from credit bureau. This wrought me to not see this Bank the same anymore. 
The problem is that I had approximately 8 to 9 accounts all have suffered adverse actions This has led to a conglomerate of my whole credit file. 
The following cards are : American Eagle opened XXXX closed paid and in good standing low credit availability of XXXX which changed to XXXX City Furniture opened XXXX closed XXXX Ashley XXXX opened XXXX closed XXXX authorized user because I was in need to buy a piece of furniture and so my son had suffered opening and closing of account with a reduction of credit available of XXXX down to XXXX and then closed paid in good standing Synchrony Care Credit open XXXX has suffered a adverse of credit limit from XXXX to the limit I was in with a deferred payments which hurt my usage of credit again. 
Synchrony TJ Maxx opened XXXX with a XXXX credit limit to XXXX to XXXX in XXXX it was affected by adverse action with a huge decrease in credit and it was paid and in good standing Synchrony Paypal Credit opened XXXX suffered an adverse action of reduction of credit from XXXX to XXXX which is close to limit paying as agreed and never missed any payments as well. 
Synchrony Paypal XXXX opened XXXX credit XXXX down to XXXX closer to limit affecting ratio and definately affected my score. 
They single handedly controlled my who credit profile self serving themselves to my credit which is by all accounts through a security process for identity purpose not the surveilling of file to help themselves to my suffering of my own credit. I am very upset and this needs to be seriously investigated. I expressed my concern about the constant attacks to my credit file. This has come to attention in checking my report for all the errors and information all companies think is ok to place on my report. Not even 30 days go by and they jump on negative information like its gold. No chance to dispute no questions they just help themselves amongst each other like its there credit file and social security. So now I have realized that I have unlimited credit. Synchrony has been using my credit for their benefit. The credit is not for their benefit it is for my benefit to acquire household and living expenses which also includes my health with Care Credit. Why has Synchrony used these tactics of conglomeration like a syndicate of complete control of my credit. I believe this is the only bank that has practiced this constant attacks of my credit file. I have begun reading and learning about credit and securities and this is bordering like a scheme to increase and downgrade while the real security never gets downgraded.
Consumer complaint received 2023-09-18
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. (NC)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (IN)

I obtained a lease thru XXXX XXXX XXXX, XXXX. Was told payments were monthly when they were actually bi-weekly. I called XXXX and they advised that could n't be changed. After purchase, advised the salesman of numerous problems with vehicle. I was advised lease as is and nothing will be done about them. I went to a manager and requested a review or lower price due to problems. Manager said would only address XXXX problem ( rubbing noise in front right tire area ). Issue was looked at twice and never repaired. Made payments on time. Numerours times I requested a balance and/or statement, was told they do n't have ability to pull up?? Lost job XXXX XXXX due to company closing. Called XXXX, they advised there is no assistance on leases and have to pick up vehicle. Struggled to make payments. Made payments on time until XXXX XXXX. Called XXXX XXXX, XXXX and advised need assistance. Was told loan is now with Bridgecrest ( no communication on this until tried to make a payment ) They just requested job and phone and again said could n't help. Made payments XXXX a month. XXXX XXXX, XXXX car was repossessed. I called to ask why as I was never called, emailed or sent mail to advise of possibility of repo. Rep advised have n't received payment in 2 months when last payment received was XXXX/XXXX/XXXX. I asked to speak with a manager several times XXXX XXXX, XXXX and was denied.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The credit reporting agency is in violation of 15 USC 1681a ( 2 ) I by reporting transactions between myself and XXXX XXXX on my credit report. The law clearly states the term credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. The word person refers to a corporation. So XXXX XXXX is the person and I am the consumer. The credit reporting agency should not be displaying this information such as late payments on my credit file. The credit reporting agency has also violated 15 USC 1681b ( 2 ) which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance to with the written instructions of the consumer to whom it relates. I never wrote any credit reporting agency asking them to furnish anything on my credit report. In fact, I've done the opposite. I have written several letters opting out and asking the credit reporting agency not to furnish information on my credit file without my permission. I have been a victim of fraud and identity left in the past and I am asking the credit reporting agency to abide by the FCRA and respect my privacy.
Consumer complaint received 2023-06-07
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. (VA)

NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq.

and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.

This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.

2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.

( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.

( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.

( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.

( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (KS)

I had my tax return deposited into credit karma account. On Friday, XX/XX/XXXX, my account was hacked. I woke up to my money all gone over XXXX dollars. I immediately filed disputes with credit karma and a police report. Credit karma said just to wait for an email as you couldn't contact this mystery department, they would email. A day later got another email saying your account is now locked and to upload ID. I uploaded I'd immediately. I have not heard a word about my dispute or getting my money back nor about unlocking my account. I call everyday and they just say to wait for an email from this department who never emails and also never responds when i email them. This has happened to countless people. We shouldn't have to wait weeks for our money after an incident like this. It's stressful and they do nothing to help at all. I need my money back.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix this matter.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (CA)

May this letter find you in good health As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. I understand the importance of maintaining a positive payment history and take full responsibility for these oversights. I kindly request your understanding and assistance in removing the recorded late payments from my account history. 
M & T BANK XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or M & T BANK customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed. 
I appreciate you taking the time to consider this request. I value your efforts in assisting me in keeping my account information accurate.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

Nowhere in my Note does it say that the lender has the right to change the index attached to my mortgage. Obviously, XXXX is expiring and my loan was based on that index. Lender decided to change to a more aggressive index. While reading thru my documents I do not see where the lender has this authority.