davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC. (TX)

To whom this may concern, Please be advised that this is my 4TH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 
This is my final attempt to ask Equifax to removed this hard inquiry that not suppose to be on my credit profile as I explained the reason in the pass that you ignore. I have a life and can not be wasting hours keep calling around when clearly the mistake is not me. 
I will pursuit this to legal matter if this is not resolve asap it can Jeopardize my refinancing home approval right no. We can be a homeless if I dont have a clean credit record to show the lenders that this inquiry is not suppose to be on my credit report. 
Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately
Consumer complaint received 2023-07-15
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. (TN)

I have written to Transunion on XXXX, and XXXX and I have not received not one reply back about the inaccurate and unverified accounts that is on my credit report. These late payments that are showing are inaccurate, and I have reached out to the creditor and they stated it should not be reporting as a late payment. I have tried to dispute with Transunion over 75 days ago about updating and correcting the accounts due to it be very detrimental to me by defaming my character and not being able to purchase a house for my family. The account is XXXX Account Number : XXXX, and XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I hope this email finds you well. I am writing to express my deep concern regarding the multiple overdraft fees that have been assessed on our business account, over the past few months. We value our relationship with JP Morgan Chase and have always been diligent in managing our finances, but we are currently facing some unforeseen financial hardships that have made it challenging for us to keep up with these fees. 

Our business, XXXX XXXX, like many others, has been significantly impacted by the economic challenges of the past year. The ongoing pandemic and its repercussions have resulted in a substantial decrease in our revenue, and we are currently not making a profit. We are actively working on reorganizing our financial situation to ensure the long-term sustainability of our business. 

Given our present financial obstacles, the overdraft fees have added an additional burden that we are struggling to manage. Every cent counts for us at this moment, and we believe that waiving these fees would provide us with the breathing room we desperately need to stabilize our financial situation. 

I kindly request that you consider our situation and grant us the relief of waiving the overdraft fees that have been charged to our account. We have been loyal customers of JP Morgan Chase for several years, and we genuinely appreciate the banking services and support you have provided to us throughout our partnership. 

If possible, we would also appreciate any guidance or assistance you can offer to help us avoid similar financial challenges in the future. We are committed to working diligently to restore our financial stability and maintain a positive banking relationship with JP Morgan Chase. 

Please let us know if there are any documents or information required from our end to process this request promptly. Your understanding and assistance in this matter would be immensely helpful to our business during these trying times. 

We look forward to your positive response and appreciate your attention to our request. Thank you for your time and consideration.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This company has been on my credit for 8 years it was a repo. This vehicle was sold and changed the balance to XXXX it remains at XXXX it hurts my credit score to the point I cant get jobs I cant purchase another vehicle to make it to work.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS and Its investors Dear Leader, Our Mortgage is serviced on your behalf by SPS. You recently decided that not only impact us but thousands of your mortgage holders. You changed the policy of how you handle the escrow portion of our account and called added a pre pay option which caused our mortgage to jump an additional {$700.00} per month starting in XX/XX/XXXX. 

Its important that you understand that this can cause massive foreclosures as Senior Citizens such as us can not budget for this type of an increase. You must understand that the decisions you make behind closed doors do impact real people. When investors invest in homes and homeowners you have to ensure that you set us up for success. 
As I look at the investors that are listed here and own our mortgage, I must also be reminded of XXXX when Big Banks such as yourselves received a massive bailout. However, you make decisions like this to force more homes into the market by foreclose. 
We are asking that we have 36 months to pay off this escrow balance to reduce the {$700.00} extra that has been added to our mortgage payment. 
We have enclosed paperwork to show what we have received from SPS. We are willing to take what should be a private issue very public to prove what is happening behind the scenes to ordinary homeowners such as ourselves. 
You are the decision makers that can help us. Help us. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX
Consumer complaint received 2023-12-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Re : Dispute of Inaccurate Account Reporting by XXXX XXXX Dear Equifax Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Equifax, specifically regarding the reporting of an account by XXXX XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per XXXX : XX/XX/2021 Opening Date as per Equifax XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Equifax, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Kornerstone Credit,  LLC. (LA)

I applied for a account with the store called Tire Agent on XX/XX/2023 and got approved with an account with the finance company name kornerstone credit and I was finishing up the contract and when I got to last page it had the wrong physical address and I had did not complete the contract until I talked to XXXX credit about changing the address on XXXX  XX/XX/2023 and I asked the representative did I have to re-apply and she said once approved I didn't have to re-apply again so I was hoping that that could correct the papers before I signed the contract but they come on Tuesday XX/XX/2023 and said I had to re-apply because the computer lost my paperwork and I know that was not right because it was something they could have did without me applying all over again so please look into this because they ain't doing me right about the account they approved me already.
Consumer complaint received 2023-11-02
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)

I've expressed my complaints regarding identity theft on multiple occasions. Any items that were opened without my knowledge, approval, or authority must be closed or blocked within four business days with the following documentation : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) the consumer 's declaration that the information is unrelated to any transactions. 
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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC. (PA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Visit XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX submitted fraudulent loan documents to Exter finance LLCXXXX XXXX the director of loss mitigation ( XXXX ) XXXX keep on calling me stating, I didnt sign the contract. 

for a stolen XXXX XXXX XXXX which was stolen from me XX/XX/XXXX when I parked it in front of XXXX XXXX XXXX XXXX, XXXX, Pa XXXX. 

I didnt know of this until the threatening calls from XXXX XXXX who took my information and uploaded it on Exter financial website who illegally took {$360.00} a month with {$2000.00} down payment, from XXXX XXXX XX/XX/XXXX for a stolen car. 

Pa state trooper XXXX XXXX stolen car unit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX I went to him on XX/XX/XXXX in person on the bus and reported my car stolen to him. 
He stated, my car was stolen and he brought me tags in XX/XX/XXXX for the car that was stolen. 

XXXXXXXX dot never gave me a registration card due to the incorrect title XXXX submitted for the stolen. 

XXXX police report the car stolen on XX/XX/XXXX, when they pulled the suspect over. XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-31
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. 
The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (IL)

I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through Chase Auto, started in like XXXX. I refinanced the vehicle with XXXX XXXX XXXX XXXX in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by Chase Auto as late payments are inaccurate as they received a check in hand in person at a Chase Bank location as instructed paying the vehicle in full and were to release the title and or lien to XXXX XXXX XXXX XXXX. While I initially got a low rate for my vehicle with XXXX for monthly payments that rate quickly skyrocketed because XXXX did not have the tile ot lien to vehicle which Chase Auto keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially XXXX approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with Chase it was at about XXXX plus when refinanced with XXXX it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While XXXX is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the XXXX banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from XXXX and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Consumer complaint received 2023-09-02
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. (GA)

I previously disputed accounts with Experian, XXXX and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Consumer complaint received 2023-12-27
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Billing statement — 
Company: SUNTRUST BANKS, INC. (GA)

I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.