davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$170.00}
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX  # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
Your companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (VA)

I contacted them about the problem they keep adding fees and different charges that keeps making my loan go up whenever I pay it when I pay it it goes right back up to the same amount making it impossible to pay over because it never drops down.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/22, I received a cashiers check from my father in the amount of {$13000.00}. This was taken from my dads bank account from XXXX, and was given to me to pay off my loan. 

Immediately ( within XXXX minutes ), we deposited this cashiers check into my Bank of America account at the local financial center. I was told then that the funds would be available XXXX since this amount is larger than {$5000.00}. 

XXXX @ XXXX AM I received an email from BOA saying a hold until XXXX was placed bc check specific information indicates item XXXX be returned. I did not understand why since this was a cashiers check taken from my fathers home equity loan and then deposited immediately at a financial center. 

XXXX I call Bank of America to inquire what was going on since I was unable to log into my account to see where we were with the hold. I am told by the risk team that due to my cashiers check being counterfeit, my account is now closed. Bank of America did not contact me informing me this was happening. 

The following few days I call the risk team 6 times to figure out the solution since the cashiers check is not fraudulent. I am told different things by each employee on how to resolve the issue. 

XXXX I go to the BOA branch where the cashiers check a deposited and talk to the branch XXXX XXXX XXXX. He tells me there is not anything he can on his end, but recommends I go to the XXXX branch. There, the XXXX employee XXXX XXXX is confused this has happened and informs me BOA did not contact XXXX to confirm the cashiers check validity at any point. They confirm the money has been taken from my dads account. XXXX employee emails BOA branch XXXX to verify that the cheque had come from XXXX. 

Frustrated, I call the BOA risk department and ask for the situation to be escalated to the supervisor. The supervisor flags the cashiers check for XXXX review, and says the analyst will make an update within XXXX business days XXXX I speak to the BOA risk mitigation supervisor, and he informs me no update has been made.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (AR)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.
Consumer complaint received 2023-07-28
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by XXXX, Experian, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : XXXX. Discrepancy in Last Active Date : XXXX reports the last active date as XX/XX/XXXX. 
Experian reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

XXXX. Discrepancy in Dates Opened : XXXX reports the date opened as XX/XX/XXXX. 
Experian reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-12-06
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. (NV)

n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX account # 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 XXXXXXXX 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
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC (GA)

I HAVE CALLED XXXX XXXX AND THE COMPANY EMVLP LLC ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bridgecrest Acceptance Corporation (NC)

I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX  to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to XXXX  where the vehicle was located. The finance company that extended my credit back to me was Bridgecrest. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. XXXX also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) XXXX and Bridgecrest are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to XXXX rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. XXXX called me and said that I could bring the car back which is not equitable to me.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 credit score. 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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2020, the Supervisor agreed to remove all late fees ( since my account was on deferment ) with XXXX XXXX XXXXXXXX XXXX XXXX, bringing my balance to {$280.00}. We had made an agreement that after I paid off the balance, it would be removed from my credit report. I paid off the debt bringing the balance to {$0.00} and the supervisor emailed me a letter of proof that the account was paid off and it would be removed from credit as stated. I noticed on my credit report that they reported a late payment on XX/XX/2020, after my balance was paid off days before. I need this New report and prior report ( on XX/XX/2020 ) removed from credit as soon as possible, as its hindering me from purchasing a home.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DriveTime (NC)

I, the consumer, in fact, XXXX XXXX, entered into a consumer credit transaction on XX/XX/XXXX   to purchase a XXXX XXXX XXXX my open ended consumer credit plan. I went to DriveTime where the vehicle was located. The finance company that extended my credit back to me was XXXX. Upon discovery, my Retail Installment Contract stated that the finance charge is {$17000.00} which this was told to me to be the interest in which I would be responsible for this was also a deceptive practice as the finance charge is what my credit will cost me via my consumer credit plan not my checking account I have with my personal bank. DriveTime also collected what was said " required '' downpayment in the amount of {$2500.00} which is and was prohibited by law under TILA 15 USC 1662. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) DriveTime and XXXX are now liable to me, XXXX XXXX for double the finance charge. 
I was not given any forms to rescind the transaction under 15 USC 1635 ; however, I sent an email to DriveTime rescinding giving security interest to any and all parties to my vehicle purchased under the contract which was signed. DriveTime called me and said that I could bring the car back which is not equitable to me.