davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (FL)

Subject : False Reporting Dear XXXX, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing. 

You are continuing to report MID ATLANTIC FINANCE account as " open '' when this is a " closed account ''. I have sent in NUMEROUS disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!! 

I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail. 

Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage. 

I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process. 

Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered. 

I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to. 

Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''
Consumer complaint received 2023-10-16
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. (FL)

Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of XXXX5 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to XXXX XXXX XXXX XXXX which XXXX XXXX " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in XXXX XXXX XXXX and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.
Consumer complaint received 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I submitted a payment for my student loans to Nelnet. Received confirmation my payment went through and the money was also gone from my bank account a couple of days later. 

I checked my Nelnet account a month later only to see my payment was kicked back to my bank account with no notification. During that time over {$140.00} interest was accumulated. I called to see why this was the case and all they said it was some error with my saved payments on their end. They refused to waive the interest accumulated from my initial payment that was kicked back due to their own error.
Consumer complaint received 2017-12-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMO Bank, N.A. (TX)

Im a XXXX XXXX XXXX and I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I used the finance company that was referred by dealership. BMO is finance company. I agree that I do owe them however I pay them approximately 18000 per month for six vehicles. I currently owe them XXXX for month if XXXX and I have sent the last XXXX today. They wont recognize that we are in the Month of XXXX and they will not remove repossession order. The reason I know that is because repossession agent has informed us they are on the way to pick trucks up. I just feel they are pretty drastic when it comes to collection. We never refuse their phone calls. I spoke to dealership about this problem and they informed me that the finance company does this to be able to resale equipment all over again. Meaning they would have kept everything we sent in payments and then add the future income of what would come from resale. We get just as many calls from repossession company as we do from finance company. They seem to look forward to seeing us fail.
Consumer complaint received 2024-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

I ( my company ) applied for XXXX loan in XXXX of XXXX. Awarded for XXXX XXXX. Finally closed in XXXX of XXXX. 
My company value is according to their valuation they did was XXXX XXXX. ( which I had to pay for ) They took an abundance of caution on all my properties and XXXX of them they assigned a value and took secondary title position for XXXX XXXX. Which is the total value of the loan. I had to pay title fees for a secondary title position and based upon that value. I was told that the collateral needed to cover XXXX percent NOT XXXX percent. Everytime I try and contact Bank of America they tell me that I signed it, and they were only following procedure. 
The fees I paid for their attorneys the closing, the title fees, and then they made me pay down my loan by XXXX XXXX dollars when I sold that property. And pay an additional attorney fee so they could draft the amendment. Now my XXXX loan is about XXXX XXXX, they adjusted without my approval the payment amount and refuse to allow us to set up the old payment amount as an auto draft. 

Everything about this loan to me is not right. What they presented in fees and what they presented as down payment to what I paid is not correct. 

When they did my loan to cash value on my collateral they used a higher percentage on the initial collateral chart and then when I sold the collateral they used a percentage that was about half of the cash value instead of the original cash value amount making me have to pay XXXX down.
Consumer complaint received 2023-10-16
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. (OR)

I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (DE)

Discover Financial Service abruptly closed my account after 8 plus years without any satisfactory reason or the requested documentation. Discover continues to sent unsigned computer generated responses with no living person to converse with or direct my inquiries. They are required by law to supply the consumer with the information that has been requested.
Consumer complaint received 2023-10-16
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. (OR)

I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.
Consumer complaint received 2023-10-16
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. (OR)

I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (SD)

I utilize the care credit card from Synchrony Bank and i use it to buy new eyeglasses when i need them. 
Its very convenient for me to get to eyeglasses without coming up with XXXX. 
Their main reason for my credit decrease was my credit, I've always paid on time and if i was a little late i would let them know. 
Ive always kept my credit with them in good standing. 
I think Synchrony bank is discriminatory towards people in certain income brackets
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/XXXX through XX/XX/XXXX XXXX XXXX dropped my credit score by XXXX because a closed mortgage account account with Specialize Loan Service was removed from my Credit File. This account was paid in full & closed in good standard in XXXX.
Consumer complaint received 2024-04-05
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. (CA)

I have reviewed my consumer reports and noticed that have XXXX late payments on an account that I have never been late for the consumer reporting agency has assumed a vital role and have a responsibility to report customer information to the best of thier ability with maximum accuracy. I have never been late on payments for the following XX/XX/year> XXXX XXXX XXXX account that I have included in the screenshot attachment. Please investigate and provide proof with statements showing that these payments were late If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks and please see attached screenshot.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I reject your decision to dismiss my identity theft claim. Who are you to determine whether I've been a victim or not? You lack the authority or legal standing to make such a judgment. If you persist in denying my claim, I will involve my attorney to pursue legal action. Ensure that my identity theft claim is processed in accordance with the law. I am providing you with a report from a legal law enforcement agency, filed with a federal entity. Let 's resolve this matter within the mandated 5-day period. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (IA)

This company takes payments via debit card and then illegally holds that money for several weeks claiming they need to 'verify ' funds even though they have had those funds for weeks. They place additional random and wholly illegal holds on the card preventing the cards use This bank is shady at best. Their customer service personnel are not from the U.S. and are of no help, constantly citing bank 'policy ' as the reason for the illegal practices.
Consumer complaint received 2024-04-25
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: SANTANDER HOLDINGS USA, INC. (GA)

I was trying to purchase a home and I have realized there is damages to my report. According to the 15 U.S.C 1681 law there should not be any damages to my report. It is a defamation to my character. It is preventing me from purchasing my home.
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Letter to Capital One Card Customer Service : Capital One 1 ) Teamsters Card : ending XXXX 2 ) XXXX XXXX ending XXXX XXXX XXXX XXXX ending XXXX Attn : Fraud Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX Subject : Account Reinstatement Inquiry for Capital One Card Dear XXXX XXXX Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my XXXX XXXX account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I have called in an attempt to resolve this matter and was denied by a XXXX she also stated her supervisor, XXXX XXXX ID : XXXX was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 

Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (TN)

On multiple occasions i have attempted to remove incorrect addresses on file wifh experian. Each time i filed a dispute and submitted the required documents to verify my correct address as XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX. I submitted copies of ny drivers licenese. I have never lived at any of the other kisted addresses!!! As a result i have been denied loans because companies were not able to verify my identity this is wrong! Remove all listed addresses on my file EXCEPT for XXXX XXXX XXXX XXXX tn XXXX i will not call experian and wait on hold for 3 hours! 

Experian insists that i contact creditors on my file and dispute my addresses with them thats not how this works and is in violation of federal law! I have again attached proof of my place of residence in addition to proof of experians XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

According to XXXX, I owe {$8200.00} to the XXXX XXXX  in XXXX. This is unfair since I never lived in XXXX XXXX XXXX. I should not be owing anyone money. Apparently this debt has been going on since XXXX XXXX, 2018. I am unsure if this is a case of identity theft or someone messing with me. 

I've asked around, especially the banks where I have an account for guidance in resolving this matter. My credit score has taken an unnecessary hit and I've been unable to make any purchase that would require good credit history, like a car.
Consumer complaint received 2023-11-13
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX