davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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. (NC)

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, Equifax, XXXX ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report!

Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX  30 % XXXX XXXX  85 % XXXXXXXX XXXX  39 % XXXX % XXXXXXXX XXXX 40 % XXXX  0 % XXXX 10 % XXXX 3 % XXXX 0 % XXXX 0 % XXXXXXXX XXXX  XXXX 0 % XXXX  91 % XXXXXXXX XXXX 0 % Failure to respond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I fell behind due to lack of hours at my old job and due to the fact the shower collasped in this house, my car broke down and the furnace broke down. I have since gotten a good job with consistent hours good pay and receive adequate income from child support and ssi for my  XXXX  daughter and this company says I do not have adequate income. I have filed a dispute against the under writer to no avail. I really feel like I have been discriminated against.as a single parent and parent of a  XXXX  child I have called multiply times to talk to the under writer and have been bounced around and finally was able to leave her a message to this date she has yet to call me I have all this noted
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (TX)

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor   nor the credit bureau is willing to help me.    XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   1 XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   RALLY MOTOR CREDIT    XX/XX/XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX    XX/XX/XXXX
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (KY)

I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from XXXX. We had just purchased the home so it was empty for the flooring to be installed. XXXX charged my Synchrony account on XX/XX/2016 for {$6000.00}. XXXX XXXX started install on XX/XX/2016. My wife and I attempted several times to get XXXX XXXX management to come to the home as the install did not look correct to us. My wife sent pictures to XXXX XXXX and XXXX, the flooring manufacturer. XXXX admitted the flooring is defective via pictures. XXXX XXXX continued install using wood putty on luxury vinyl plank flooring to hide the defect. In addition XXXX switch carpet on us and installed a lower quality carpet than what was contracted for. XXXX violated XXXX installation instructions, which would void the warranty. We rejected the install and merchandise. An independent flooring consultant hired by XXXX verified our complaint with the vinyl flooring. XXXX admits all this but refuses to install new flooring as furniture and personal items now need to be moved and they refuse to hire a professional to move our items. Synchrony twice has sided with XXXX but I have filed a fourth dispute with them stating a billing error in accordance with the terms of The Fair Credit Act has occurred since I have not received the merchandise or service I contracted for. Synchrony Bank and XXXX XXXX are trying to force me to accept the {$6000.00} charge.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023, there was an unauthorized transaction made from my BOA checking account of {$36000.00}. I got a text notification from BOA. I immediately called the BOA customer care and asked to freeze the transaction as this was unauthorized by me. The transfer was made to a XXXX. Finally, even after me requesting BOA to hold the transaction it was processed on XX/XX/2023. I had several calls made to Customer care at XXXX XXXX  and BOA.
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. (MD)

Timely payments have consistently been maintained on this account, preventing any overdue instances. I'm uncertain about the basis for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2017-05-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I disputed three inaccurate 30 day late payments on my credit report directly to Experian. I submitted all documentation by certified mail on  XXXX   XXXX ,   XXXX   to Experian including : record of my payment due date (  XXXX  each month {$840.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by experian giving a response. The file should be updated noting no late payment and all payments made accordingly to on time status.
Consumer complaint received 2015-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Reliance Exchange Group (TX)

Received robotic phone call message regarding a civil lawsuit being issued and papers to be served at employment address or home if I did not respond within 12 hours of receiving the message. Did not leave a company name or creditor name only that I had some time to call them back and make payment arrangements. Mainly threats about litigation and jail time even though they say 'civil ' at the beginning of the message. I called the number, a woman said they were " XXXX XXXX ''. They buy OLD debt and this was supposedly a debt from 2009 from a XXXX XXXX loan paid to XXXX XXXX Bank. She tried to be very friendly and said wow this is a really old account. I asked her for confirmation of the debt and she said, this was the XXXX level of collection and I had been sent information many times regarding this debt. She said, I see you are on social security which is not true nor have I had a bank account at XXXX XXXX XXXX. She said I needed to make a statement and she needed to record it. I told her no, she needed to confirm her true identity as a collection agency with her license and send me written proof of what she was trying to collect. She said I had already received that so I said then you are not legitimate with the FTC and I am not sending you any money or making a statement. The phone numbers used are XXXX and XXXX.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (ID)

We have decided to refinance with our bank and get out from Chase Auto, as there is no resolution to this matter. We have asked three times for them to mail our payoff to us and we still have not seen it. I have made sure they have the correct address, and they are not complying with anything that we have asked them to do. I have personally asked them three times to mail it out and still have not seen one in the mail. They are walking their way around it so now I'm going to ask for them to e-mail it to me. I have never dealt with such unprofessional people.
Consumer complaint received 2023-11-25
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: Frontline Asset Strategies, LLC (NY)

internet service provideXXXX XXXX  ceased supplying me service when they converted exclusively to XXXX on XX/XX/. they promised me that they will repair the problem and i, to maintain my 7 year seniority and to keep the peace, i paid them $ XXXX/month. but when it became obvious after several months that they can not or will not fix the issue, that's when i decided to cease paying them. they nevertheless filed a negative credit report with XXXX XXXX. not much - my debt is XXXX - but the negative credit report will hurt me, and i don't deserve it.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Self Financial Inc. (FL)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (FL)

In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I purchased a new home valuation ( XXXX ) through the servicer ( Chase ) for the purpose of PMI removal. The XXXX was completed, and Chase sent a letter confirming the new value and the principal balance ( XXXX  ) that would need to be reached to qualify for PMI removal ( {$210000.00} ). 
On XXXX, I made the necessary principal curtailment to bring the balance below this threshold ( in addition to my regular monthly payment on XXXX ). 
In the payment screen of the Chase website, I specifically selected the " Principal payment '' option for the curtailment. Chase misapplied my principal curtailment, causing my principal to remain above the threshold. 
Note : {$400.00} out of my regular XXXX monthly payment should have gone to principal, per the amortization table -- I was including this in my overall calculation. 
I contacted Chase 3 times, but their responses failed to even recognize my issue. They only replied with thoughtless, copy and paste style answers. I am providing copies of the following documentation : ( 1 ) all complaint correspondence ( 2 ) proof of my regular monthly payment ( 3 ) proof of my principal curtailment ( 4 ) New valuation and UPB requirement letter from Chase ( 5 ) XXXX and XXXX account statements ( 6 ) Recent transaction history ( 6 ) Amortization table from loan origination The numbers are as follows : XXXX as of XXXX : {$210000.00} Principal Curtailment : {$2900.00} XXXX payment portion to principal : $ XXXX Total principal reduction : {$3300.00} My XXXX  should now be at {$200000.00} Somehow, my XXXX  XXXX still showing as {$210000.00} *This number came from Chases amortization schedule as of XX/XX/2022, which I did not save a copy at the time that I viewed it. The Chase website now no longer provides the XXXX  portion of their amortization table, but I provided a copy of the original version from the loan origination. The portion to principal varies slightly, but not by enough to make any material difference.
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (FL)

I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
XXXX
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I contacted the XXXX credit bureaus XXXX and Transunion. They continue to report that an account, XXXX XXXX, is open and current. That account is paid in full and closed. I have disputed the information as incorrect several times and the above companies report that the account remains open with a balance.