davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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. (NY)

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX  Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity
Consumer complaint received 2023-03-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX ..Do not use the EOSCAR system .. XXXXs Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times Experian, XXXX and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to DELETE IMMEDIATELY
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZENCO COLLECTION, LLC (OH)

I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I asked the designated Lease return salesman to explain the early termination clause. He said it wouldnt apply to me if I paid the lease off in full prior to surrendering the vehicle, which I did. The lease company then charged me an additional nearly {$4000.00} early termination fee, despite me paying the lease off in full. When I went back to the dealership just weeks after being given advice. The man was no longer working for the company. The company had also been sold and was now under new ownership. They state they have no responsibility. 
I tried to get my leased car back and couldnt, as it was sold in auction. 
When I tried to get written notice that my account was paid in full-lexus XXXX  delayed the action for no apparent reason except to cause financial harm to me personally. The leasing company failed to have working phone services. Myself and others working on my behalf were left on hold for hours at a time. And offered nothing in writing stating my account was paid off.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

Sent a check dated XX/XX/XXXX in the amount of {$1400.00} to discover card for payment through the U.S. Mail. The check never reached XXXX and was washed and cashed by an individual at the XXXX XXXX XXXX XXXX. I notified my bank, PNC ' PNC requested a notarized statement regarding altered check, which was sent to them XX/XX/XXXX. 

As of this date, XX/XX/XXXX, I have not received my funds or any answer to the status of my claim despite numerous calls to the number I was given.
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

This concerns my existing mortgage loan with Cornerstone Home Lending. 

I have asked two questions : 1 ) Why does my Truth in Lending Disclosure reflect an interest rate of 3.475 % APR, yet my loan note reflects an interest rate of 3.875 %. The interest rate on the note, plus the cost of obtaining the credit should be equal to the APR. So the note rate should not be higher than the APR rate. Please show me the math.
2 ) Based on the loan history amortization schedule I downloaded from Cornerstone 's customer account, web base access portal, Cornerstone is charging me interest on a 360 days basis instead of a 365 days basis. I understood this was a standard type consumer mortgage product, based on a simple interest calculation. I can not find any disclosures in my loan documents stating this interest rate is calculated on a 360 day basis. The difference in interest is material over time. 

The excel sheet includes an example of the interest rate for XXXX, XXXX and XXXX of XXXX. The tabs at the bottom are different work sheets one for 360 days, directly from the web site ; one for 365 days, the third for 365 days and the 3.475 interest rate. 

Thank you,
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

NOTICE OF DISPUTE To Whom It May Concern, The nature of my dispute is I am contacting Experian representatives and I am trying to give you the opportunity to resolve this dispute. PLEASE UNDERSTAND. Experian has been discriminating against me on multiple occasions. I have tried multiple occasions I have called sent in disputes and even submitted online complaints. This company has caused me unwanted stress and has caused my XXXX XXXX to rise and has caused me tremendous financial hardship. 

As a protected CONSUMER please remove these inaccuracies from my consumer report : 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 XXXXXXXX AND PLEASE DELETE THE 16 UNARTHORIZED INQUIRIES ALSO Please understand an answer of " VERIFIED '' or " BEEN VERIFIED '' IS NOT a pertinent nor a legal response. I am allowing Experian 7 calendar days from the date that you receive this notice to CONFIRM, VALIDATE and FURNISH any documents that show that I am LEGALLY bound to pay these ALLEGED DEBTS and who authorized these inquiries on my consumer report. In the event that you fail to provide LEGAL and LAWFUL responses it will result in further action.

THE RELIEF ( DEMAND ) THAT I AM SEEKING IS TO DELETE ALL THE ITEMS ABOVE AND PAY ME {$16000.00} FOR CIVIL LIABILITY FOR NEGLIGENT NON-COMPLIANCE UNDER 15 U.S. CODE 1681o.

PLEASE UNDERSTAND IF THIS MATTER IS NOT SOLVED YOU WILL BE HELD LIABLE AND THIS CLAIM WILL BE USED AGAINST YOU
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I have been a customer of PayPal for over two decades.

I had alwasy used my own credit cards. 

I was recently offered a PayPal credit card which turned out to be offered from Synchrony Bank. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card.

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Consumer complaint received 2023-06-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

You have been reporting on my credit and I didnt know I was an authorized user for this account Id like this account immediately permanently removed from all 3 credit agencies please it should not be reporting on my credit and it is
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX Bank account # XXXX is from XXXX. I need them to delete this account from my credit report.
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was preapppoved for {$3200.00} I submitted my application and I was denied due to not verifying my identity I called customer service and then they send me a one time code and then they told me someone will get back to me in four days which it dont make any sense if they verify me then I should be approved then I applied again then it was denied again and they are trying to pull my credit report again but I didnt let it happen. I refused .. so I want them to approved my application I submitted at XXXX XXXX not the one for XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

On XX/XX/2022, I wrote a check # XXXX to my telephone provider, XXXX, for {$64.00}. 
The check was altered to {$9500.00} and that amount was to an XXXX XXXX on XX/XX/2022. The PNC bank was contacted within 60 days of the date the check was written, to correct the problem. PNC requested a an affadavit of the altered check. This affidavit was submitted to PNC XX/XX/2022.
Consumer complaint received 2017-07-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened- XXXX XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX system are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( XXXX ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-25
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: Early Warning Services, LLC (GA)

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. 

XXXX XXXXXXXX XXXX # XXXX has violated my rights. 

XXXX5 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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I pulled my consumer reports and I noticed that there was a 30 day late payment on an account that was paid in full and closed and was never late for consumer reporting agencies have assumed a critical position and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for this account ( XXXX XXXX ) please investigate and provide proof with statements showing this payment was late if proof cant be provided I demand this payment be updated as on time paid in full and account closed and reflect as NEVER late thank you.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

It appears on my credit report through ( rental credit and the experian.com, XXXX and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XX/XX/2013. but they keep reporting this information
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  is listed as a installment loan, it is not, this an alarm system that i never used, and ask this company to remove it, they would not, so i removed it, never used this system.This account has been sold, but know name who is the collection agency.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (OH)

My daughter had a medical crisis a couple moths ago and it has caused us financial hardship. I tried communicating and working with this credit card company, Aspire and they refused to work with me on anything. And now I have recieved a threatening email about paying the bill. I have emailed them again before this email they sent me and they chose to ignore it.
Consumer complaint received 2023-05-25
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. (IL)

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and Experian, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Consumer complaint received 2021-01-13
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. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!